Orchard, owned by the financial conglomerate HSBC Finance Corporation, issues a Secured MasterCard with a 7.90 percent variable purchase annual percentage rate (APR) and a $200 deposit requirement. The annual fee is $35, which is waived the first year.
HSBC Card Services PO Box 60102 City of Industry, CA 91716-0102 503-293-4037 www.orchardbank.com
First Premier Bank offers a secured MasterCard. The card's processing fee is $95 and it has a 23.9 percent APR. The annual fee is $75 and the required deposit is $300.
First Premier Bank P.O. Box 5524 Sioux Falls, SD 57117-5524 800-987-5521 www.firstpremier.com
Credit One Bank's secured Visa has a 23.9 percent APR. The annual fee is $75 and the required deposit is $300.
Credit One Bank P.O. Box 98873 Las Vegas, NV 89193-8873 800-752-5493 www.creditonebank.com
Merrick Bank's secured MasterCard comes with a 17.45 percent APR. The annual fee is $36 and the minimum deposit is $300.
Merrick Bank Customer Service P.O. Box 9201 Old Bethpage, NY 11804-9001 800-253-2322 securedcard.merrickbank.com
Public Savings Bank
Public Savings Bank offers a secured Visa with 0 percent APR for six months and 11.24 percent afterwards. The application fee is $79 and the minimum deposit is $200. There is no annual fee.
Public Savings Bank 2755 Philmont Avenue, Suite 140 Huntingdon Valley, PA 19006 215-344-8145 www.publicbankcard.com
Applied Bank's Platinum Zero Visa has a 0 percent APR (9.99 percent for cash advances). The minimum deposit is $500.The annual fee is billed on a monthly basis at $9.95.
Applied Bank 601 Delaware Avenue Wilmington, DE 19801 561-982-9111 appliedbank.com
U.S. Bank offers a secured Visa with a 20.99 percent APR. The minimum deposit is $300.The annual fee is $35.
U.S. Bancorp U.S. Bancorp Center 800 Nicollet Mall Minneapolis, MN 55402 800-872-2657 www.usbank.com
Bank of America
The BankAmericard Visa offered by banking giant Bank of America comes with a 18.24 percent APR. The minimum deposit is $300.The annual fee is $39.
Bank of America P.O. Box 15020 Wilmington, DE 19850 800-932-2775 bankofamerica.com
The Wells Fargo secured Visa comes with a 16.49 percent APR. The minimum deposit is $300.The annual fee is $18.
Wells Fargo Card Services P.O. Box 10347 Des Moines, IA 50306-0347 800-642-4720 www.wellsfargo.com
Citi Secured MasterCard
Citigroup's Citi secured MasterCard comes with an 18.24 percent APR. The minimum deposit is $200.The annual fee is $18.
CITI New Cardmember Services P.O. Box 6264 Sioux Falls, SD 57117-9637 800-347-4934