Best Secured Credit Cards
Secured credit cards are designed for consumers looking to build or rebuild credit by providing a refundable security deposit. These cards offer an opportunity to establish credit history with responsible use, often with lower fees and simple terms. While rewards may be limited, they provide a vital stepping stone toward better credit products.
Our Picks
Last updated July 29, 2025
Discover it® Secured Credit Card
Discover
| Annual Fee | $0 |
| Rewards Rate | 2% cash back at gas stations |
| Sign Up Bonus | Unlimited dollar-for-dollar cash back match |
| Network | Discover |
Bank of America Customized Cash Rewards Secured Credit Card
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 3% and 2% Cash Back |
Bank of America® Travel Rewards Secured Credit Card
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 1.5 points per $1 spent |
| Network | Visa |
Bank of America® Unlimited Cash Rewards Secured Credit Card
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 1.5% Cash Back |
USAA Secured American Express® Credit Card
USAA
| Annual Fee | $0 |
| Network | American Express |
TD Cash Secured Credit Card
TD Bank
| Annual Fee | $29 |
| Rewards Rate | 3% and 2% Cash Back |
| Network | Visa |
Citi® Secured Mastercard®
Citi
| Annual Fee | $0 |
| Rewards Rate | No rewards rate |
| Sign Up Bonus | No signup bonus |
| Network | Mastercard |







