Top 10 · updated November 1, 2026

Best secured credit cards

Cards backed by a refundable deposit, for building credit from nothing or rebuilding it. Ranked by what they earn while you build.

1
U.S. Bank
U.S. Bank Altitude Go Secured Visa Card
4X points on dining, takeout, and restaurant delivery · 2X points at gas stations and grocery stores
Worth about $545 every year on typical spending — rewards and credits minus the $0 fee.
$545/ yearAnnual fee $0
2
Bank of America
Bank of America Secured Travel Rewards Credit Card
1.5 points per $1 on everyday purchases and no expiration on points as long as your account remains open
Worth about $468 every year on typical spending — rewards and credits minus the $0 fee.
$468/ yearAnnual fee $0
3
Bank of America
Bank of America Unlimited Cash Rewards Secured Credit Card
1.5% cash back on all purchases
Worth about $468 every year on typical spending — rewards and credits minus the $0 fee.
$468/ yearAnnual fee $0
4
Capital One
Quicksilver Secured from Capital One
1.5% cash back on every purchase, every day
Worth about $468 every year on typical spending — rewards and credits minus the $0 fee.
$468/ yearAnnual fee $0
5
Bank of America
Customized Cash Rewards Secured Credit Card
6% cash back in the category of your choice for the first year · 3% cash back in your choice category
Worth about $372 every year on typical spending — rewards and credits minus the $0 fee.
$372/ yearAnnual fee $0
6
Discover
Discover it Secured Cash Back Credit Card
5% cash back on everyday purchases at different places you shop each quarter, up to the quarterly maximum when you activate · 1% cash back on all other purchases
Worth about $312 every year on typical spending — rewards and credits minus the $0 fee.
$312/ yearAnnual fee $0
7
U.S. Bank
U.S. Bank Secured Visa Card
Worth about $312 every year on typical spending — rewards and credits minus the $0 fee.
$312/ yearAnnual fee $0
8
Bank of America
BankAmericard Secured Credit Card
A secured credit card designed to help establish, strengthen or rebuild credit
Worth about $0 every year on typical spending — rewards and credits minus the $0 fee.
$0/ yearAnnual fee $0
9
Citi
Citi Secured Mastercard
The Citi® Secured Mastercard® does not earn rewards but offers benefits such as no annual fee and free access to your FICO® Score
Worth about $0 every year on typical spending — rewards and credits minus the $0 fee.
$0/ yearAnnual fee $0
10
Capital One
Platinum Secured Credit Card
The card helps rebuild credit with responsible use and has no hidden fees
Worth about $0 every year on typical spending — rewards and credits minus the $0 fee.
$0/ yearAnnual fee $0

Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending

Questions people ask

What is the best secured credit card?

As of November 1, 2026, the U.S. Bank Altitude Go Secured Visa Card ranks first worth about $545 a year after its $0 annual fee on typical spending. The Bank of America Secured Travel Rewards Credit Card and Bank of America Unlimited Cash Rewards Secured Credit Card come second and third.

How are these secured cards ranked?

Cards backed by a refundable deposit, for building credit from nothing or rebuilding it. Ranked by what they earn while you build. Each card's value is its rewards plus the credits a typical cardholder uses, minus its annual fee; points are converted at conservative cash values. No issuer pays for placement.

Is a card with an annual fee ever worth it?

Only if its extra rewards and credits beat the fee on your own spending. In this list the fee is already subtracted, so a $0-fee card and a $95 card are compared on what they actually leave you with.

Guides

GuideHow to Build Credit From Scratch With Your First Credit CardA step-by-step plan to build a credit score from nothing: which card to start with, the habits that move your score, and how long it takes.

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More rankings

Maintained by Aashish Shah. Card details are collected from issuer websites and were last refreshed November 1, 2026. Terms change often; confirm them with the issuer before you apply.