Best Secured Credit Cards
The best secured credit cards for building or rebuilding credit, all with no annual fee.
Secured credit cards require a refundable security deposit that becomes your credit limit, making them ideal for building or rebuilding credit. The best options report to all three major credit bureaus, charge no annual fee, and offer rewards to help you maximize spending while rebuilding credit. Choose based on whether you want cash back rewards, flat-rate simplicity, or the easiest approval path.
Quick Comparison
| # | Card | Annual Fee | Top Category | Base Rate | Intro APR |
|---|---|---|---|---|---|
1 |  Discover it SecuredBest Overall | $0 | 2% Gas | 1% | 10.99% BT for 6mo |
2 |  Capital One Quicksilver Secured Cash RewardsBest for Simplicity | $0 | 5% Hotels & Car Rentals (via Portal) | 1.5% | 10.99% BT for 6mo |
3 | $0 | 3% Rotating Categories | 1% | - | |
4 |  Capital One Platinum SecuredEasiest Approval | $0 | - | - | - |
5 | $0 | - | - | - | |
6 | $0 | - | - | - |
10.99% intro APR for 6 months on balance transfers
Earns 2% cash back at gas stations and restaurants (up to $1,000/quarter), then 1% on everything else. Discover matches all cash back in your first year, effectively doubling rewards. No annual fee and no minimum deposit requirements.
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10.99% intro APR for 6 months on balance transfers
Earns a flat 1.5% cash back on all purchases, with no rotating categories to track. No annual fee and 5% back on hotels and car rentals through Capital One Travel.
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Earns 3% cash back in a category you choose, 2% at grocery stores and wholesale clubs, and 1% on everything else. No annual fee and flexible category selection for concentrated spending.
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One of the easiest secured cards to qualify for with a minimum deposit as low as $49 depending on creditworthiness. No rewards, no annual fee, and a straightforward path to credit building.
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A straightforward secured Mastercard with no rewards and no annual fee. Reports to all three credit bureaus and offers a clear upgrade path to an unsecured Citi card.
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A basic secured Visa with no rewards and no annual fee. U.S. Bank automatically reviews your account for potential upgrade to an unsecured card.
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