


| Factors | Secured Cards | Unsecured Cards |
| Credit requirements | Lenient and accessible with poor credit history | Need a good credit score for approval |
| Security deposit | Need security deposit | Does not need a security deposit |
| Credit limit | Determined by the security deposit | Based on creditworthiness and income |
| Fees and interest rates | Higher fees and interest rates due to increased risk | Lower fees and interest rates for individuals with good credit scores |