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. The top options in this category feature no annual fees, report to all three major credit bureaus, and offer competitive rewards to enhance your spending experience.
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 Flat Rate | $0 | 1.5% Everything Else | 1.5% |
4 | $0 | - | - | |
5 | $0 | - | - | |
6 | $0 | - | - |
Earn 5% cash back on rotating categories each quarter (activation required, up to $1,500), and 1% on all other purchases. No annual fee.
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Get 3% cash back in a choice category (gas, online shopping, dining, travel, drugstores, home improvement) up to $2,500 per quarter, plus 2% at grocery stores. No annual fee.
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Earn 5% cash back on hotels and rental cars booked through Capital One Travel, and 1.5% on all other purchases. No annual fee.
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