Best Secured Credit Cards for People with Low Income
You don't need a high income to get a secured credit card. Many of the best options have no income verification at all. Your deposit is what matters — not your paycheck. Here are the best cards that work on any income level.
Best Cards for You
4 optionsNot sure which is right for you?
Answer 5 quick questions and we'll match you to the exact card that fits your credit score, income, and deposit — free, no credit check required.
Get My Personalized Match →How to Build Credit Fast
These 4 habits separate people who hit 700 in 18 months from those who stall.
Your Credit Journey
Where most people land after consistent secured card use
* Timeline assumes on-time payments and utilization below 30%. Individual results vary based on credit profile.
Frequently Asked Questions
Is there a minimum income for secured credit cards?
Many secured cards (OpenSky, First Progress, Applied Bank) have no income requirement at all. Others like Discover require you to list income but don't set a minimum — part-time and gig work income counts.
What if I receive government benefits?
SSI, SSDI, unemployment, child support, and alimony all count as income on credit card applications. You're not at a disadvantage.
Should I get a card if I'm struggling financially?
Only if you can pay the full balance each month — carrying a balance means paying high interest. If your budget is tight, the Chime Credit Builder with 0% APR means you'll never pay interest regardless of your balance.
Ready to start building your credit?
Our free 60-second quiz finds the exact card that fits your situation — no credit check, no cost, no obligation.
Find My Card — Free →