Best Secured Credit Cards in the USA

If you're new to credit, have a low credit score, or are looking to rebuild your credit history, a secured credit card can be a valuable tool. Unlike traditional unsecured credit cards, secured cards require you to make a refundable security deposit. This deposit acts as collateral, making it a lower-risk option for credit card issuers and allowing you to build or rebuild credit responsibly. Choosing the right secured credit card is important, so let's explore a few notable options available.

1. The Secured Self Visa® Credit Card

2. Discover it® Secured Credit Card

3. Capital One Platinum Secured Credit Card

4. BankAmericard® Secured Credit Card

5. Capital One Quicksilver Secured Cash Rewards Credit Card

6. Citi® Secured Mastercard®

7. U.S. Bank Secured Visa® Card

While technically a credit builder loan that unlocks a secured credit card, this can be a unique way to save and build credit simultaneously. You make fixed monthly payments on the loan, and as you pay it down, those funds become your security deposit for the Self Visa®.

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With the Discover it Secured Credit Card, cardholders can earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter and 1% cash back rewards on all other purchases made with the credit card. None

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The Capital One Platinum Secured Credit Card is designed to help build credit. With no annual fee and the potential to increase your credit limit, this card can grow with you. Cardholders can choose their monthly due date, set up alerts via email or text, and use autopay to help stay on top of payments. The card also has $0 fraud liability to protect against unauthorized charges.

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The BankAmericard® Secured Credit Card could be right for you if you need to establish or rebuild your credit history. The card does not charge an annual fee and requires a minimum security deposit of $300.

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The Capital One Quicksilver Secured Cash Rewards Credit Card has no annual fee and can help you develop a more robust credit profile with responsible use. You’ll earn 1.5% cash back on each card purchase and work toward a traditional unsecured card. This card also doesn't carry any foreign transaction fees.

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You might consider the Citi® Secured Mastercard® if you have no credit history. This Citi® Secured Mastercard® requires a minimum deposit of $200, and if you're approved, you'll have an initial $200 credit limit.

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The U.S. Bank Secured Visa® Card offers benefits including free monthly TransUnion credit score access, zero fraud liability coverage and fraud protection.

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