Secured credit cards require a refundable security deposit that becomes your credit limit, making them ideal for building or rebuilding credit. The best options report to all three major credit bureaus, charge no annual fee, and offer rewards to help you maximize spending while rebuilding credit.
6 cards · live
Best Secured Credit Cards
The best secured credit cards for building or rebuilding credit, all with no annual fee.
Updated · May 15, 2026·6 cards
Quick Comparison
| # | Card | Annual Fee | Top Category | Base Rate | Intro APR |
|---|---|---|---|---|---|
1 |  Discover it SecuredBest Overall | $0 | 2% Gas | 1% | 10.99% BT for 6mo |
21 |  Bank of America Cash Rewards SecuredBest Flexibility | $0 | 3% Selected Categories | 1% | - |
31 |  Capital One Quicksilver Secured Cash RewardsBest for Simplicity | $0 | 1.5% Everything Else | 1.5% | 10.99% BT for 6mo |
4 |  Capital One Platinum SecuredEasiest Approval | $0 | - | - | - |
5 | $0 | - | - | - | |
6 | $0 | - | - | - |
Discover$0 / yrCash Back
10.99% intro APR for 6 months on balance transfers
2x gas2x dining1x everything_else
Earns 2% cash back at gas stations and restaurants (up to $1,000/quarter), then 1% on everything else. Discover matches all cash back earned in your first year, effectively doubling your rewards. No annual fee.
View Card Details
Bank of America$0 / yrCash Back
3x selected_categories2x groceries1x everything_else
Earns 3% cash back in one category you select, 2% at grocery stores and wholesale clubs, and 1% on everything else. No annual fee with flexible quarterly category changes to match your spending patterns.
View Card Details
Capital One$0 / yrCash Back
10.99% intro APR for 6 months on balance transfers
5x hotels_car_portal1.5x everything_else
Earns a flat 1.5% cash back on all purchases with no rotating categories to track. Includes 5% cash back on hotels and car rentals through Capital One Travel. No annual fee.
View Card Details
Capital One$0 / yr
Designed for accessible credit building with deposits as low as $49 depending on creditworthiness. No annual fee, no rewards, and straightforward terms for establishing credit history.
View Card Details
Citi$0 / yr
A straightforward secured Mastercard with no annual fee and no rewards. Reports to all three major credit bureaus and offers a documented upgrade path to unsecured Citi products.
View Card Details
U.S. Bank$0 / yr
A basic secured Visa with no annual fee and no rewards. U.S. Bank automatically reviews accounts for potential upgrade to an unsecured card.
View Card Details