I was just googling secured cards and up came Wallaby Financial....I don't know anything about them other than they seem
to have a ton of cards listed all in one place. It shows the rewards/non rewards cards as well as the Annual Fee and
interest rate. I didn't know that there was such a thing as a secured AMEX card....wow!
Maybe this can help someone....
(Mod edit - link removed, since it appears to be broken; please scroll down for thorough list. --SE)
Oh wow, a huge list thanks for posting it
Hmmm...For some reason I cannot reach the walla.by domain. Odd...
I have my eyes set on the secured Amex.
I got bored and made up a chart of many of the national ones. The Wallaby Financial list is cool but it doesn't say issuers names on a lot of the cards which I found strange.
|Name||APR||Annual Fee||Monthly Fee||Unsecured CLI?||Unsecured CLI Terms||Graduate?||Graduation Terms||Rewards||Comments|
|FNBO Kickstart Visa||20.99%||$29||$0||yes||eligible @ 7 months||yes||eligibility begins @ 11 months||no|
|FNBO Secured Visa||17.99%||$19||$0||unknown||unknown||yes||eligibility begins @ 15 months||no|
|FNBO SavingStar AMEX||18.99%||$25||$0||unknown||unknown||yes||eligibility begins @ 11 months||10% back on SavingStar groceries / 5% back on SavingStar online mall / 1% back everyday|
|Discover It||22.99%||$0||$0||yes||unknown, likely eligible @ 6 months||yes||12 months||5% rotating categories / 1% everyday||counter offer only|
|Discover It Chrome||22.99%||$0||$0||yes||unknown, likely eligible @ 6 months||yes||12 months||2% gas and restaurants / 1% everyday||counter offer only|
|Capital One Platinum Secured MasterCard||22.99%||$29||$0||yes||Credit Steps - typically after 5-7 on time payments||no||N/A||no||can be partially or fully secured|
|Bank of America Secured Visa||20.24%||$39||$0||no||N/A||yes||Automatic begins @ 12 months, can unsecure early||can add 3% gas / 2% groceries / 1% everyday||can be partially or fully secured / partially secured counter offer only|
|Citi Secured MasterCard||18.24%||$29||$0||unknown||unknown||yes||18 months||no||must apply in branch|
|US Bank Secured Visa||18.99%||$29||$0||no||N/A||yes||eligibility begins @ 12 months||no|
|US Bank AeroMexico Secured Visa||22.99%||$25||$0||no||N/A||yes||eligibility begins @ 12 months||2 miles per $1 gas and groceries / 1 mile per $1 everyday||Intro: 5000 miles + companion ticket on first spend|
|US Bank Harley Davidson Secured Visa||22.99%||$0||$0||no||N/A||yes||eligibility begins @ 12 months||1 HD Genuine Rewards point per $1||Intro: $10 HD Genuine Rewards certificate @ account opening|
|US Bank LANPASS Secured Visa||22.99%||$25||$0||no||N/A||yes||eligibility begins @ 12 months||1 mile per $1||Intro: 5000 miles on first spend / 10% discount on LAN purchase once/yr|
|US Bank LifeMiles Secured Visa||22.99%||$25||$0||no||N/A||yes||eligibility begins @ 12 months||1 mile per $1||Intro: 5000 miles on first spend|
|US Bank SKYPASS Secured Visa||16.24%||$50||$0||no||N/A||yes||eligibility begins @ 12 months||1 mile per $1||Intro: 5000 miles on first spend / 1000 miles at renewal|
|Merrick Bank Secured Visa||17.45%||$36 first year||$3 after first year||no||N/A||no||May be sent an unsecured pre-approval, but it is a second card||no|
|First Premier Secured MasterCard||19.90%||$50||$0||yes||eligible @ 13 months / 25% fee per increase ($100 increase = $25 fee)||no||N/A||no||(editor's comment: sadly, this is STILL a better deal than their unsecured)|
|OpenSky Secured Visa||17.50%||$29||$0||unknown||Anecodally, CLIs are possible||no||N/A||no|
|First Progress Platinum Select Secured MasterCard||14.99%||$39||$0||yes||"at sole discression"||no||N/A||no|
|First Progress Platinum Elite Secured MasterCard||19.99%||$29||$0||yes||"at sole discression"||no||N/A||no|
|First Progress Platinum Prestige Secured MasterCard||11.99%||$44||$0||yes||"at sole discression"||no||N/A||no|
|NFCU nRewards Secured Visa||8.99%||$0||$0||unknown||unknown||yes||eligibility begins @ 12 months||1 nRewards point per $1||**must meet CU eligibility requirements**|
|SDFCU EMV Savings Secured Visa Platinum||6.99%||$0||$0||unknown||unknown||unknown||unknown||1 FlexPoints Rewards point per $1|
|USAA Secured American Express||9.9% - 19.9%||$35||$0||no||N/A||no||N/A||no||**must meet CU eligibility requirements**|
|USAA Secured Platinum MasterCard||9.9% - 19.9%||$35||$0||no||N/A||no||N/A||no||**must meet CU eligibility requirements**|
|Wells Fargo Secured Visa||18.99%||$25||$0||unknown||unknown||yes||per site: reviewed periodically||no|
|DCU Secured Visa Platinum||11.50%||$0||$0||unknown||unknown||yes*||*must apply and be approved, not automatic||no|
|Union Bank Secured||17.99%||$19||$0||unknown||unknown||yes||eligibility begins @ 15 months||no||Issued by FNBO|
|primor Secured Visa Classic / MasterCard||13.99%||$39||$0||no||N/A||no||N/A||no|
|primor Secured Gold Visa / MasterCard||9.99%||$49||$0||no||N/A||no||N/A||no|
Added another one to my list:
|Name||APR||Annual Fee||Monthly Fee||Unsecured CLI?||CLI Terms||Graduation?||Graduation Terms||Rewards||Comments|
|Swagbucks Secured Visa||19.99%||$0||$0||unknown||unknown||unknown||Issued by FNBO; probably similar terms to SavingStar / Kickstart (eligible @ 11-15 months)||1 Swagbuck per $2||Intro: 500 bonus swagbucks for $500 / 1000 bonus swagbucks for $1000 / Issued by FNBO|
Awesome work. I would add that the Merrick Bank secured CC provides free FICO scoring.
I thought that was useful. It also has an app that works well for viewing your account and making payments.