Best Secured Credit Cards
The best secured credit cards for building or rebuilding credit, all with no annual fee.
Secured credit cards are designed to help you build or rebuild credit by using a refundable security deposit as your credit limit. The best options report to all three major credit bureaus, charge no annual fee, and offer cash back rewards to maximize the value of your spending.
Consensus ranking, combined Borda-count vote of 3 models.
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 |
2 |  Capital One Quicksilver Secured Cash RewardsBest for Travel Rewards | $0 | 1.5% Everything Else | 1.5% | 10.99% BT for 6mo |
3 | $0 | 3% Selected Categories | 1% | - | |
41 | $0 | - | - | - | |
51 | $0 | - | - | - | |
6 | $0 | - | - | - |
10.99% intro APR for 6 months on balance transfers
Discover it Secured offers 2% cash back on gas and dining purchases, 1% on everything else, with no annual fee and a 6-month intro APR of 10.99% on balance transfers.
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10.99% intro APR for 6 months on balance transfers
Capital One Quicksilver Secured Cash Rewards provides 5% cash back on hotels and rental cars booked through their portal, plus 1.5% on all other purchases, with no annual fee.
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Bank of America Cash Rewards Secured offers 3% cash back in one category of your choice, 2% on groceries, and 1% on all other purchases, with no annual fee.
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Citi Secured Mastercard offers no annual fee and a straightforward approach to credit building with no rewards categories.
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Capital One Platinum Secured provides no annual fee and no rewards, focusing purely on credit building fundamentals.
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US Bank Secured offers no annual fee and no rewards categories, keeping the focus on credit building.
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