Build your credit history with a secured credit card. Secured credit cards require a deposit, and help build credit by reporting your activity to major credit bureaus. Browse the best secured credit card offers from our partners, apply to the card that suits you, make payments on time, and keep a low balance to improve your credit score.
See the best secured credit card offers from our partners below.
CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCards.com does not include the entire universe of available financial or credit offers.
Updated: March 15, 2018
If your credit isn’t its best or you are new to credit, your options can be limited. But with a secured card, you can build your credit in a few months so that you can apply for a more rewarding unsecured card.
Secured cards require a refundable deposit that you are borrowing off of for your available credit limit. In many cases, they may be your only option. But they are a great way to build credit and to develop good payment habits.
We evaluated over 30 secured credit cards using criteria like: rates and fees, deposit amounts, ability to improve credit, customer service, and miscellaneous features and benefits. Below are our top picks for the best secured cards and further information to help you make your decision and improve your credit so you can qualify for even better offers. Here, we look at:
Wondering how to get a secured card? Or not sure how to use one? We explain below.
Typically deposits on secured credit cards start at $200. You pay a refundable deposit in exchange for a credit limit of the same amount. Sometimes, you can get a credit limit above the amount for the deposit, or the card issuer will allow you to increase your limit after several months of on-time payments.
|Secured Credit Cards||Unsecured Credit Cards|
|Refundable deposit required||No deposit required|
|Build credit||Builg credit|
|Lower credit limit||More robust credit limit|
|Some rewards possible||Richer rewards|
|Can have tacked-on fees||Typically fewer fees|
|Often annual fee||More likely to have no annual fee|
|Card||Best For:||Minimum Deposit Required||Annual Fee|
|Capital One® Secured Mastercard®||Building credit||$49, $99, or $200||$0|
|Discover it® Secured Card||Cash back||$200||$0|
|OpenSky® Secured Visa® Credit Card||No credit check||$200||$35|
|First Progress Platinum Prestige MasterCard® Secured Credit Card||Low interest||$200 - $2,000||$49|
|primor® Secured Visa® Gold Card||Easy application||$200||$49|
|USAA Secured Card® Platinum Visa®||Military members||$250||$35|
We encourage an active and insightful conversation among our users. Please help us keep our community civil and respectful. For your safety, we ask that you do not disclose confidential or personal information such as your bank account number, phone number, or email address. Keep in mind that anything you post may be disclosed, published, transmitted or reused.
The comments posted below are not provided, reviewed or approved by the card issuers or advertisers. Additionally, the card issuer or advertiser does not assume responsibility to ensure that all posts and/or questions are answered.
See the online credit card applications for details about the terms and conditions of an offer. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuer's web site.
* For additional rates, fees and costs see issuer's website for detailed pricing and terms.