These offers are no longer available on our site: Citi® Secured Mastercard®, Green Dot primor® Visa® Gold Secured Credit Card, Credit One Bank® Platinum Visa®, Green Dot primor® Visa® Classic Secured Credit Card
Intro Purchase APR
N/A
Regular Purchase APR
18.99% - 28.99%* Variable
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
18.99% - 28.99%* Variable
Annual Fee
$0
Rewards
None
Points
Balance Transfer Fee
Balance transfer fee applies with this offer 5% of each balance transfer, $5 minimum.
Min Credit Needed
GOOD
Return Payment Fee
Up to $41
Foreign Transaction Fee
3%
Penalty APR
Up to 29.99% Variable
Late Fee
See Terms*
Cash Advance Fee
5% of each cash advance; $10 minimum
Cash Advance APR
29.74%* Variable
Card Information
Card Details
- Earn 5,000 bonus points after spending $500 in the first 3 months of account opening, redeemable for $50 in gift cards or travel rewards at thankyou.com.
- Bonus ThankYou® Points are not available if you received a new account bonus for a Citi Rewards+® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Rewards+ account.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
- Earn 5X total ThankYou® Points on hotels, car rentals and attractions booked on the Citi TravelSM portal through 12/31/2025.
- The variable APR for purchases and balance transfers is 18.99% - 28.99%, based on your creditworthiness.
- Rates and fees
Card Details
- Earn 5,000 bonus points after spending $500 in the first 3 months of account opening, redeemable for $50 in gift cards or travel rewards at thankyou.com.
- Bonus ThankYou® Points are not available if you received a new account bonus for a Citi Rewards+® account in the past 48 months or if you converted another Citi credit card account on which you earned a new account bonus in the last 48 months into a Citi Rewards+ account.
- Earn 2X ThankYou® Points at Supermarkets and Gas Stations for the first $6,000 per year and then 1X Points thereafter. Plus, earn 1X Points on All Other Purchases.
- Earn 5X total ThankYou® Points on hotels, car rentals and attractions booked on the Citi TravelSM portal through 12/31/2025.
- The variable APR for purchases and balance transfers is 18.99% - 28.99%, based on your creditworthiness.
- Rates and fees
Intro Purchase APR
N/A
Regular Purchase APR
18.99% - 28.99%* Variable
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
18.99% - 28.99%* Variable
Annual Fee
$0
Min Credit Needed
GOOD‡
N/A
Intro Purchase APR
N/A
Regular Purchase APR
22.95%* Variable
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
N/A
Annual Fee
$36 the first year. Billed $3 per month thereafter
Rewards
None
Balance Transfer Fee
N/A
Min Credit Needed
POOR
Return Payment Fee
Up to $40
Foreign Transaction Fee
See Terms*
Penalty APR
N/A
Late Fee
Up to $40
Cash Advance Fee
$10 or 4% of the amount of each cash advance, whichever is greater.
Cash Advance APR
27.95%* Variable
Card Information
Card Details
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
Card Details
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
Intro Purchase APR
N/A
Regular Purchase APR
22.95%* Variable
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
N/A
Annual Fee
$36 the first year. Billed $3 per month thereafter
Min Credit Needed
POOR‡
N/A
N/A
Intro Purchase APR
N/A
Regular Purchase APR
24.89%* Variable
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
N/A
Annual Fee
$35
Rewards
None
Cash Back
Balance Transfer Fee
N/A
Min Credit Needed
LIMITED
Return Payment Fee
See Terms*
Foreign Transaction Fee
3%
Penalty APR
None
Late Fee
Up to $41
Cash Advance Fee
5%, Min: $6
Cash Advance APR
24.89%* Variable
Card Information
Card Details
- New feature! Earn up to 10% cash back on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Card Details
- New feature! Earn up to 10% cash back on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and Transunion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Intro Purchase APR
N/A
Regular Purchase APR
24.89%* Variable
Intro Balance Transfer APR
N/A
Regular Balance Transfer APR
N/A
Annual Fee
$35
Min Credit Needed
LIMITED‡
N/A