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Aug 1 2019

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Secured Credit Cards

Find the best secured credit card to begin rebuilding your credit.

Compare the different offers from our partners and choose the card that is right for you.

By U.S. News Staff , Updated March 8, 2019

Compare the different offers from our partners and choose the card that is right for you.

Featured Credit Cards

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If used responsibly, secured credit cards can help you raise your credit score and improve your financial standing. Secured credit cards are a tool for people who already have credit problems or need to build a credit history, so it’s important to understand exactly how secured credit cards work and which are the best ones available to you.

U.S. News’ Picks for the Best Secured Credit Cards

Capital One ® Secured Mastercard ®

Best secured card with access to a higher credit line after making your first five monthly payments on time.

U.S. News uses a FICO 8 score for its credit score range, which is one of many different types of credit scores. A creditor may use a different score when deciding whether to approve you for credit.

Highlights

No annual fee, and all the credit building benefits with responsible card use

Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus

You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness

Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed

Easily manage your account 24/7 with online access, by phone or using our mobile app

It’s a credit card accepted at millions of locations worldwide

Rates & Fees

Issuer Name
Credit Needed
Annual Fee
Penalty APR
Balance Transfer Fee
Cash Advance Fee

3% of the amount of the cash advance, but not less than $10

Foreign Transaction Fee

Consumers with limited or bad credit can get access to a $200 credit line with a $49, $99 or $200 security deposit with the Capital One® Secured Mastercard®. You can get access to a higher credit line after making your first five monthly payments on time. This card has a $0 annual fee, and comes with benefits including free monthly credit score access, extended warranty coverage, auto rental insurance and travel accident insurance.

Discover it ® Secured

Best secured card with cash back rewards.

U.S. News uses a FICO 8 score for its credit score range, which is one of many different types of credit scores. A creditor may use a different score when deciding whether to approve you for credit.

Highlights

No Annual Fee, earn cash back, and build your credit with responsible use.

It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can’t help you build a credit history.

Establish your credit line with your tax return by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.

Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.

2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.

Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score

We automatically match all the cash back you’ve earned at the end of your first year.

Receive Free Social Security number alerts— Discover will monitor thousands of risky websites when you sign up.

Rates & Fees

Issuer Name
Credit Needed
Annual Fee
Balance Transfer Intro APR

10.99% for 6 months

Balance Transfer Fee
Foreign Transaction Fee

The Discover it Secured is a secured rewards credit card for individuals who are new to credit, have poor or bad credit, or are rebuilding credit. The card requires a minimum security deposit of $200, but cardholders have the option to select a deposit amount of up to $2,500 at the time of account opening. The security deposit is refunded to the cardholder when Discover determines that the account can be transitioned to a traditional credit card without the need for a security deposit. Cardholders will earn an automatic 2 percent cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1 percent cash back. The card offers unlimited 1 percent cash back on all other purchases. At the end of the first year, Discover will total all cash back earned and match it automatically. Card benefits include no penalty APR for paying late and no late fee for the first late payment, complimentary access to your FICO credit score and free overnight shipping for card replacement anywhere in the U.S.

Citi ® Secured Mastercard ®

Best secured card with no annual fee.

U.S. News uses a FICO 8 score for its credit score range, which is one of many different types of credit scores. A creditor may use a different score when deciding whether to approve you for credit.

Highlights

The Citi® Secured Mastercard® is a no annual fee credit card that helps you build your credit when used responsibly.

Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your FICO score online.

Use your card anywhere Mastercard® is accepted — worldwide.

A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $200).

Get help staying on track with Auto Pay and account alerts.

With Flexible Payment Due Dates, you can choose any available due date in the beginning, middle or end of the month.

Manage your account 24/7 online, by phone, or in our mobile app.

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