Best Secured Credit Cards
The best secured credit cards for building or rebuilding credit, all with no annual fee.
Secured credit cards require a refundable security deposit that typically becomes your credit limit. They're designed for people building credit for the first time or rebuilding after a setback. Every card on this list has no annual fee and reports to all three major credit bureaus, so responsible use will help your credit score grow over time.
The only secured card that earns meaningful cash back — 2% at gas stations and restaurants (up to $1,000/quarter) and 1% on everything else. Discover also matches all cash back earned in your first year, effectively doubling your rewards.
Earns 1.5% cash back on every purchase with no annual fee. One of the few secured cards with a flat-rate rewards structure, making it feel like a regular credit card.
Earns cash back in a category of your choice (gas, online shopping, dining, travel, drug stores, or home improvement). A good pick if your spending is concentrated in one area.
No rewards, but one of the easiest secured cards to get approved for. Minimum deposit as low as $49 depending on creditworthiness. A strong starter card for those with very limited credit history.
A straightforward secured card with no rewards but wide Mastercard acceptance. Reports to all three bureaus and has a path to upgrade to an unsecured Citi card over time.
A basic secured Visa card with no rewards. U.S. Bank reviews your account for an upgrade to an unsecured card automatically. A solid option if you already bank with U.S. Bank.