Best Secured Credit Cards
The best secured credit cards for building or rebuilding credit, all with no annual fee.
Secured credit cards provide a valuable pathway for individuals aiming to establish or improve their credit scores. Our top picks in this category feature no annual fees, report to all three major credit bureaus, and offer competitive rewards to support your financial growth.
Consensus ranking, combined Borda-count vote of 3 models.
Quick Comparison
| # | Card | Annual Fee | Top Category | Base Rate |
|---|---|---|---|---|
1 |  Discover it SecuredBest Overall | $0 | 5% Rotating Categories | 1% |
2 |  Bank of America Cash Rewards SecuredBest for Customization | $0 | 3% Selected Categories | 1% |
3 |  Capital One Quicksilver Secured Cash RewardsBest for Simplicity | $0 | 1.5% Everything Else | 1.5% |
4 | $0 | - | - | |
5 | $0 | - | - | |
6 | $0 | - | - |
The Discover it Secured card offers 5% cash back on rotating categories (activation required each quarter) on up to $1,500 in purchases, and 1% on everything else, all with no annual fee.
View Card Details
With the Bank of America Cash Rewards Secured card, you can earn 3% in a choice category (gas, online shopping, dining, travel, drugstores, or home improvement) on up to $2,500 in combined purchases each quarter, plus 2% at grocery stores, all with no annual fee.
View Card Details
The Capital One Quicksilver Secured Cash Rewards card offers 5% cash back on hotels and rental cars booked through Capital One Travel and 1.5% on all other purchases, with no annual fee.
View Card Details
The Citi Secured Mastercard has no annual fee and a regular APR of 25.99%.
View Card Details
The US Bank Secured card features no annual fee and a regular APR of 27.49%.
View Card Details
The Capital One Platinum Secured card has no annual fee and a regular APR of 28.99%.
View Card Details