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Best Secured Credit Cards

Establishing or rebuilding credit? A secured credit card aids in building a robust credit history and boosting your credit score. Your refundable deposit serves as "security," and you use the secured card like any other credit card, offering a valuable tool for credit development.

Best Secured Credit Cards List

BankAmericard® Secured

The BankAmericard® Secured credit card is a secured credit card designed to help individuals establish or rebuild their credit. Key features include the ability to deposit funds into a collateral account to establish a credit line, access to online and mobile banking, and the opportunity to potentially upgrade to an unsecured card with responsible card use. This card also offers fraud protection and access to FICO® Credit Score monitoring.

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BankAmericard® Secured

Capital One Quicksilver Secured Cash Rewards Credit Card

Put down a refundable $200 security deposit to get a $200 initial credit lineBuilding your credit? Using a card like this responsibly could helpEnjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized chargesYou could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on timeBe automatically considered for a higher credit line in as little as 6 months with no additional deposit neededMonitor your credit score with CreditWise from Capital One. It's free for everyone

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Capital One Quicksilver Secured Cash Rewards Credit Card

Secured Chime Credit Builder Visa® Credit Card

The Secured Chime Credit Builder Visa® Credit Card is designed to help users build or rebuild their credit. It requires a security deposit, which then becomes the card's credit limit. The card reports to all three major credit bureaus, helping users establish a positive credit history. It also offers no annual fees, no interest charges, and no credit check for approval. This card is a great option for those looking to improve their credit.

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Secured Chime Credit Builder Visa® Credit Card

Discover it® Secured Card - No Annual Fee

The Discover it® Secured Card has no annual fee and is designed to help individuals build or rebuild their credit. Key features include cash back rewards on every purchase, a refundable security deposit, and the ability to transition to an unsecured card after responsible use. Additionally, cardholders benefit from free FICO® Credit Score monitoring, no foreign transaction fees, and 24/7 customer service.

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Discover it® Secured Card - No Annual Fee

UNITY® Visa Secured Credit Card

The UNITY® Visa Secured Credit Card is a great option for rebuilding or establishing credit. It requires a security deposit, which determines the card's credit limit. It reports to all three major credit bureaus, helping to improve credit scores. The card also offers a low annual fee, competitive interest rates, and flexible payment options. With responsible use, cardholders can work towards improving their credit history and financial health.

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UNITY® Visa Secured Credit Card

Merrick Bank Secured Visa Card

The Merrick Bank Secured Visa Card is a great option for individuals looking to build or rebuild their credit. With a minimum deposit of $200, cardholders can access a credit line up to $3,000. The card reports to all three major credit bureaus, providing an opportunity to improve credit scores. Additionally, it offers online account management and fraud protection for added security.

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Merrick Bank Secured Visa Card

Applied Bank® Secured Visa® Gold Preferred® Credit Card

Better than Prepaid...Go with a Secured Card! Load One Time - Keep On UsingAbsolutely No Credit Check or Minimum Credit Score RequiredAutomatic Reporting to All Three National Credit Bureaus9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are LateActivate Today with a $200 Minimum Deposit - Maximum $1,000.Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

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Applied Bank® Secured Visa® Gold Preferred® Credit Card

OpenSky® Secured Visa® Credit Card

No credit check to apply. Zero credit risk to apply!Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time paymentsExtend your $200 credit line by getting considered for an unsecured credit line increase after 6 months, no additional deposit required!Get free monthly access to your FICO score in our mobile applicationBuild your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransunionAdd to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google PayFund your card with a low $200 refundable security deposit to get a $200 credit lineApply in less than 5 minutes with our mobile first applicationChoose the due date that fits your schedule with flexible payment datesFund your security deposit over 60 days with the option to make partial paymentsJoin over 1.2 million cardholders who’ve used OpenSky to build their credit

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OpenSky® Secured Visa® Credit Card

First Progress Platinum Select MasterCard® Secured Credit Card

Choose your own credit line - $200 to $2000 - based on your security depositBuild your credit score.¹ Reports to all 3 credit bureausNo minimum credit score required for approval!¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

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First Progress Platinum Select MasterCard® Secured Credit Card

Citi® Secured Mastercard®

The Citi® Secured Mastercard® is designed for individuals looking to build or rebuild their credit. This card requires a security deposit, which determines the credit limit, and offers flexible payment options. Cardholders have access to online account management, and can easily track their progress with free FICO® score updates. Additionally, the card has no annual fee, making it a cost-effective option for those looking to improve their credit history.

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Citi® Secured Mastercard®

Top Cards We Selected For Your

	Secured Chime Credit Builder Visa® Credit Card	OpenSky® Secured Visa® Credit Card	First Progress Platinum Select MasterCard® Secured Credit Card
Annual fee	No Annual Fee	$35	$39
Regular APR	0%	$35	$39
Purchase Intro APR	N/A	3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*0% for 15 months	N/A
Transfer Intro APR	N/A	N/A	N/A
Late Payment Fee	N/A	10.99% for 6 months	Not Offered
Returned Payment Fee	N/A	27	38
	See Details	See Details	See Details

Top Card Issuers

Capital One

Discover Bank

Citibank

Synchrony Bank

Chase

American Express

USAA Bank

Comenity Bank

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What Type of Credit Card is Best?

Choosing the best credit card isn't a one-size-fits-all scenario. Each card serves a unique purpose – some for spending, others for borrowing, travel, rewards, and more. To navigate this financial landscape, answer a few key questions to find the perfect card tailored to your specific needs. Let's unravel the credit card puzzle and discover how you can save by having the right card for the right purpose. The best credit card for you depends why you need it:

Cut interest with a balance transfer cardGet points/cash on a reward credit card

And there are others too... our 'how do credit cards work' guide takes you through all the options.

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Best Secured Credit Cards