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Credit Education, Personal Finance

What is an Unsecured Credit Card? What is a Secured Credit Card? [Infographic]

Author: Sean P. Egen

March 30, 2021

Topics:

Credit Card Infographic Rebuild Credit

Infographic of unsecured vs secured credit cards

Unsecured and secured credit cards are the two main types of credit cards. This infographic by Credit One Bank highlights the differences and similarities between the two.

If you’re ready to apply for an unsecured credit card of your own, see if you Pre-Qualify for a Credit One Bank credit card. It takes less than a minute and won’t harm your credit score.

Photo of the author

About the author:

After realizing he couldn’t pay back his outrageous film school student loans with rejection notices from Hollywood studios, Sean focused his screenwriting skills on scripting corporate videos. Videos led to marketing communications, which led to articles and, before he knew it, Sean was making a living as a writer. He continues to do so today by leveraging his expertise in credit, financial planning, wealth-building, and living your best life for Credit One Bank.

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Using a Secured Credit Card To Build Credit

Using a secured credit card strategically and responsibly is one of the best ways you can build your credit. However, it’s important to know how to obtain and use one of these cards before pursuing this option.

A couple reviewing the benefits of having a secured credit card.

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About Secured Credit Card Deposits

Secured Credit Card Deposits

A secured credit card is a good way for those with little or no credit history to build credit. But there’s one major difference between a secured and an unsecured, or traditional, credit card. A secured credit card requires that some security, or collateral, be tied to it to minimize the card issuer’s risk. This collateral is in the form of a monetary deposit, which the card holder is required to make before they can start using a secured credit card. This deposit is typically equal to the credit limit of the secured credit card.

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