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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 Rate1%-2% Cash Back
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 Rate1%-6% Cash Back
Sign Up BonusNo signup bonus
2.8
Apply Now
at Bank of America's secure site

Bank of America® Unlimited Cash Rewards Secured Credit Card

Bank of America
Annual Fee$0
Rewards Rate1.5% - 2% Cash Back
Sign Up BonusNo signup bonus
2.6
Apply Now
at Bank of America's secure site

USAA Secured American Express® Credit Card

USAA
Annual Fee$0
Rewards RateNo rewards rate
Sign Up BonusNo signup bonus
NetworkAmerican Express
2.6
Apply Now
at USAA's secure site

Bank of America Travel Rewards Secured Credit Card

Bank of America
Annual Fee$0
Rewards Rate1.5 points per dollar
Sign Up BonusNot eligible for a signup bonus
NetworkVisa
2.3
Apply Now
at Bank of America's secure site

TD Cash Secured Credit Card

TD Bank
Annual Fee$29
Rewards Rate1%-3% Cash Back
Sign Up BonusNone
NetworkVisa
2.3
Apply Now
at TD Bank's secure site

BankAmericard® Secured Credit Card

Bank of America
Annual Fee$0
Rewards RateNo rewards
Sign Up BonusNot eligible for a bonus offer
2.1
Apply Now
at Bank of America's secure site

Secured Card

Credit One
Annual Fee$0
Rewards Rate1% Cash Back
Sign Up BonusNo signup bonus
2.3
Apply Now
at Credit One's secure site

Citi® Secured Mastercard®

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

USAA Secured Visa Platinum Credit Card

USAA
Annual Fee$0
Rewards Rate1x Points
Sign Up BonusNo signup bonus
NetworkVisa
Apply Now
at USAA'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

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