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Different Types of
Low APR Credit Cards:
Air Miles Credit Cards
Bad Credit Credit Cards
Balance Transfer Credit Cards
Business Credit Cards
Cash Back Credit Cards
Credit Cards with Rewards
Gas Rebate Credit Cards
Gold Cards
No Annual Fee Credit Cards
Platinum Credit Cards
Prepaid Credit Cards
Reward Credit Card
Secured Credit Cards
Student Credit Cards
Unsecured Credit Cards
UK Credit Cards
Offers by Company/Bank
American Express
Bank of America
Bank One
Chase
Citibank
Discover
MasterCard
Visa
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Credit Card Glossary
Common Questions
Contact Us
Other Great Offers:
Free Credit Report Copy
Credit Card Basics:
-
Pros and Cons of Credit Cards
-
How Credit Card
Issuers Make $$
-
Shopping
for a Good Interest Rate
-
Credit
Card Cash Advances
-
Problems
with ATM/Debit Cards
- Advantages with
ATM/Debit Cards
-
Credit Card
Record Keeping
-
Tracking Billing Errors
- What
is a Billing Error?
- Fixing
Billing Errors
-
What
is a Stop Payment?
-
How to Prevent
Identity Theft
- Pre-approval Credit Card Offers
- Safeguarding Receipts
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SECURED CREDIT
CARDS
A secured
credit card is much like a secured loan.
You are required to deposit money into
a savings account or a certificate of
deposit as collateral for a line of credit.
The amount of deposit required varies
amongst the different credit card offers,
but generally minimum amounts range from
$250 - $500.
Your credit limit is determined by the
amount you deposit into the savings account.
Sometimes the limit will be for the full
amount of the deposit, other times it
will be a percentage of the total. However,
some companies will offer credit the same
or greater than the amount deposited.
All the online secured credit
card offers we feature in our credit card
comparison chart present different deals.
Examine their APR's, rewards, benefits,
perks and terms and conditions. Some of
the secured credit card offers listed
include a one time activation fee and/or
a low monthly fee.
Secured credit cards are
an excellent bad credit credit card for
individuals with poor credit or for those
with no credit looking to establish credit.
If you are a college student looking to
establish credit, we recommend you apply
for a
student credit card.
Apply for several cards
and choose the best credit card rate offered
to you!
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*
This
card is designed
for those with
little or damaged.
Orchard Bank
has helped millions
of people obtain
credit – Let
them help you
too.
* Initial
credit limit
up to $1,000
* Periodic
credit limit
increase reviews
* Low
annual fees.
* Competitive
low interest
rates for APRs.
|
|
|
Interest Rate |
Intro Rate |
Grace
Period |
Credit
Line |
Annual
Fee |
|
Competitive interest
rates |
0% APR intro
for
6 months
|
20 days |
Instant initial
credit line of
$1000 |
Low annual fees |
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GET
WIRED
and
enjoy
MasterCard®
purchasing
power
without
credit
card
debt
and
finance
charges.
*
No
Credit,
ChexSystems,
or
Employment
Checks
and
No
Bank
Account
Required.
*
Earn
1
Wired
Point™
with
every
$1
spent.
Redeem
points
for
prepaid
wireless
and
calling
card
minutes
on
our
website.
*
Add
cash
within
minutes
at
more
than
40,000
Western
Union®
SwiftPay®
Agent
locations
and
25,000
InstaPay™
load
stations.
|
|
|
Interest
Rate |
Intro
Rate |
Grace
Period |
Credit
Line |
Fees |
|
0% |
N/A |
N/A |
Cash
limit
of $2,500
daily. |
$29.95
activation
fee
and
a $6.95
monthly
service
fee. |
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*
Guaranteed
Approval.
*
No
credit
check,
bank
account,
or
security
deposit
required.
*
No
interest
charges
or
late
fees.
*
Prepaid,
with
easy
loading
options.
*
Purchasing
power
at
more
than
29
million
merchants
worldwide.
*
Cash
Access
at
more
than
800,000
ATMs.
*
Protected
by
MasterCard’s
Zero
Liability
Policy.
|
|
|
Interest
Rate |
Fees |
|
0%
APR |
One-time
Application
Fee:
$49.00
Monthly
Service
Fee:
$5.95 |
|
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*
Stop
losing
your
Income
($$).
*
Direct
deposit
from
your
employer.
*
Low
cost
fees.
*
Store
your
money
safely.
*
24/7
ATM
access
to
funds.
*
No
credit
check
or
bank
account
required
*
No
security
deposits
*
No
employment
verification
*
Keep
your
money
safe
-
No
more
need
for
money
orders
or
walking
around
with
cash
in
your
pocket.
|
|
|
Interest
Rate |
Intro
Rate |
Grace
Period |
Credit
Line |
Annual
Fee |
|
As
low
as
7.49% |
$159.95
|
20
days |
Instant
credit
line
up
to
$100,000 |
$85
|
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Several of the secured credit
cards presented on this page offer fixed,
low interest rates and instant approvals
upon application submission. It is free
to apply for a credit card, and if approved
you are not obligated to accept
the card offer made to you!
The
secured
credit
card
deals
listed
in the
comparison
chart
above
are
advice-giving
only.
You
should
rely on
your own
opinion
in
deciding
which
available
credit
card
program
and
service
that
best
suits
your
needs
and
financial
means.
Please
note
that you can
not
perform
a credit
card
balance
transfer
with
secured
credit
cards.
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