Search

Search articles, credit cards, reviews, and categories...

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 Rate2% cash back at gas stations
Sign Up BonusUnlimited dollar-for-dollar cash back match
NetworkDiscover
2.9
Apply Now
at Discover's secure site

Bank of America Customized Cash Rewards Secured Credit Card

Bank of America
Annual Fee$0
Rewards Rate3% and 2% Cash Back
3.1
Apply Now
at Bank of America's secure site

Bank of America® Travel Rewards Secured Credit Card

Bank of America
Annual Fee$0
Rewards Rate1.5 points per $1 spent
NetworkVisa
2.8
Apply Now
at Bank of America's secure site

USAA Secured Visa® Platinum Credit Card

USAA
Annual Fee$0
NetworkVisa
2.8
Apply Now
at USAA's secure site

Bank of America® Unlimited Cash Rewards Secured Credit Card

Bank of America
Annual Fee$0
Rewards Rate1.5% Cash Back
2.6
Apply Now
at Bank of America's secure site

USAA Secured American Express® Credit Card

USAA
Annual Fee$0
NetworkAmerican Express
2.6
Apply Now
at USAA's secure site

BankAmericard® Secured Credit Card

Bank of America
2.3
Apply Now
at Bank of America's secure site

TD Cash Secured Credit Card

TD Bank
Annual Fee$29
Rewards Rate3% and 2% Cash Back
NetworkVisa
2.3
Apply Now
at TD Bank's secure site

Citi® Secured Mastercard®

Citi
Annual Fee$0
Rewards RateNo rewards rate
Sign Up BonusNo signup bonus
NetworkMastercard
1.9
Apply Now
at Citi's secure site

Resources

Secured Credit Cards: A Path to Better Credit

How to Choose the Best Secured Credit Card

How to Build Credit Fast With a Secured Card

How to Graduate From a Secured Card

Secured vs. Prepaid Cards: Which Builds Credit?

Your Secured Card Deposit Questions Answered

Our Methodology

FAQs

Best Secured Credit Cards | Creditminds