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BestCreditCardsGuide

Secured Credit Cards

Secured cards ask for a refundable security deposit, which usually sets your credit limit. Because the deposit reduces the issuer’s risk, these cards are accessible with limited or damaged credit. They report to the credit bureaus like any other card, so on-time payments help you build a positive history.

We may be compensated when you click links to issuer sites. Advertiser Disclosure. Rates, fees and offers vary and change often; confirm current terms on the issuer’s site.

46 cards · select up to 3 to compare side by side

First Progress Platinum Select Mastercard® Secured Credit Card

  • Get a First Progress Platinum Select Card and Earn 1% Cash Back Rewards!
  • Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase…
Annual fee
$39
Recommended credit
Poor / No Credit Required
Purchase APR
18.74% variable based on the Prime Rate
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U.S. Bank Secured Visa Credit Card

  • Zero Fraud Liability - You are not responsible for unauthorized transactions if your U.S. Bank Secured Visa card is…
  • Fraud Protection – detects and notifies you of any unusual card activity to help prevent fraud
Annual fee
None
Recommended credit
Poor / No Credit Required
Purchase APR
29.24% variable based on the Prime Rate
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Truist Enjoy Cash Secured Credit Card

  • Earn up to 3% cash back on gas, 2% on utilities and groceries (with a combined $1,000 monthly cap), and 1% back on all…
  • Monthly payment history will be reported to three major credit bureaus
Annual fee
$19
Recommended credit
Fair / Poor
Purchase APR
24.24% variable based on creditworthiness and the Prime Rate
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Assent Platinum 0% Intro Rate Mastercard Secured Credit Card

  • Full-Feature Platinum Mastercard* Secured Credit Card
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
Annual fee
$49
Recommended credit
Poor / No Credit Required
Purchase APR
29.24% variable based on the Prime Rate
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Capital One Quicksilver Secured Cash Rewards Credit Card

  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're…
  • Put down a refundable $200 security deposit to get a $200 initial credit line
Annual fee
None
Recommended credit
Poor / No Credit Required
Purchase APR
29.99% variable based on the Prime Rate
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First Progress Platinum Prestige Mastercard® Secured Credit Card

  • Earn 1% Cash Back Rewards with First Progress Prestige!
  • You Can't Rebuild credit with a Debit Card. Try First Progress Today! ¹
Annual fee
$49
Recommended credit
Poor / No Credit Required
Purchase APR
14.74% variable based on the Prime Rate
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Discover it® Secured Credit Card

  • 2% cash back at restaurants or gas stations on up to $1,000 in combined purchases each quarter. Plus 1% cash back on…
  • Discover automatically matches all the cash back you've earned at the end of your first year
Annual fee
None
Recommended credit
Poor / No Credit Required
Intro APR
10.99% for 6 months from date of first transfer for transfers that…
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What to look for

  • Minimum deposit: compare the required deposit and whether a larger deposit raises your limit.
  • Graduation path: some issuers review accounts and return the deposit when you move to an unsecured card.
  • Bureau reporting: confirm the card reports to all three major credit bureaus.