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Secured

Best Secured credit cards in United States

Secured credit cards in United States are backed by a refundable deposit, which opens them to people with little or damaged credit history.

*a card is filed here when its name says secured, when the issuer reports it as a secured card in the CFPB's credit card survey (US), or when the source listing we imported it from files it that way.

133
Secured cards filed
The ledger

All Secured cards in United States

133 cards
Synchrony Bank / Synchrony Financial№ 1

Amazon Secured Card

Credit card issued by Synchrony Bank / Synchrony Financial.

Credit BuildingLow Interest
Annual feeNot confirmed
Top earn rateNot confirmed
WebBank№ 4

Avant Credit Card

Mastercard issued by WebBank.

Credit BuildingSecured
Annual feeNot confirmed
Top earn rateNot confirmed
Coastal Community Bank№ 5

Aven Flex / Cash Card

Visa card issued by Coastal Community Bank.

Secured
Annual feeNot confirmed
Top earn rateNot confirmed
Coastal Community Bank№ 6

Aven Home Equity Visa Card

Visa card issued by Coastal Community Bank.

No Annual FeeRewards
Annual fee$0per year
Top earn rateNot confirmed
Coastal Community Bank№ 7

Aven Rewards Visa Card

Visa card issued by Coastal Community Bank.

Cash BackMetal Card
Annual fee$0per year
Top earn rate3%Other
BMO (Bank of Montreal US / BMO Harris)№ 11

BMO Boost Secured Credit Card

Mastercard issued by BMO (Bank of Montreal US / BMO Harris).

Secured
Annual fee$25per year
Top earn rateNot confirmed
First National Bank of Omaha (FNBO / First Bankcard)№ 14

Business Edition® Secured Mastercard®

Mastercard issued by First National Bank of Omaha (FNBO / First Bankcard).

BusinessSecured
Annual fee$39per year
Top earn rateNot confirmed
Suncoast Credit Union№ 15

Business Secured Visa

Visa card issued by Suncoast Credit Union.

BusinessSecured
Annual feeNot confirmed
Top earn rateNot confirmed
Capital One№ 17

Capital One Platinum Secured

Mastercard issued by Capital One.

No Annual FeeNo Credit History
Annual fee$0per year
Top earn rateNot confirmed
Navy Federal Credit Union№ 20

cashRewards Secured Credit Card

Visa card issued by Navy Federal Credit Union.

No FX FeeRewards
Annual feeNot confirmed
Top earn rateNot confirmed
Continental Finance№ 21

Cerulean Mastercard®

Mastercard issued by Continental Finance.

SecuredCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Citibank / Citigroup№ 23

Citi® Secured Mastercard®

Mastercard issued by Citibank / Citigroup.

Credit BuildingNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
WebBank№ 24

Cleo Credit Builder Card

Visa card issued by WebBank.

Credit BuildingSecured
Annual feeNot confirmed
Top earn rateNot confirmed
Apple Federal Credit Union№ 27

Credit Builder Visa

Visa card issued by Apple Federal Credit Union.

SecuredCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Current№ 29

Current Build Card

Visa card issued by Current.

Credit BuildingNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Discover Financial Services№ 30

Discover it® Secured

Discover card issued by Discover Financial Services.

SecuredCash Back
Annual feeNot confirmed
Top earn rateNot confirmed
Fifth Third Bank№ 31

Fifth Third Secured Credit Card

Credit card issued by Fifth Third Bank.

Credit BuildingNo Credit History
Annual fee$24per year
Top earn rateNot confirmed
Continental Finance№ 33

Fit Mastercard®

Mastercard issued by Continental Finance.

SecuredCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
WebBank№ 34

Gemini Credit Card

Mastercard issued by WebBank.

No Annual FeeNo FX Fee
Annual fee$0per year
Top earn rateNot confirmed
Huntington Bank№ 37

Huntington Secured Credit Card

Mastercard issued by Huntington Bank.

Credit BuildingNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
WebBank№ 38

Imagine Visa Credit Card

Visa card issued by WebBank.

Bills & UtilitiesCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Celtic Bank№ 39

Indigo Platinum Mastercard

Mastercard issued by Celtic Bank.

Credit BuildingPremium
Annual feeNot confirmed
Top earn rateNot confirmed
Joplin Metro Credit Union№ 42

JOPLIN METRO CREDIT UNION SECURED VISA

Visa card issued by Joplin Metro Credit Union.

No Credit HistoryNo FX Fee
Annual feeNot confirmed
Top earn rateNot confirmed
KeyBank№ 43

Key Secured Credit Card®

Mastercard issued by KeyBank.

SecuredCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
M&T Bank№ 45

M&T Secured Credit Card

Visa card issued by M&T Bank.

Secured
Annual feeNot confirmed
Top earn rateNot confirmed
WebBank№ 46

MAJORITY Visa Credit Card

Visa card issued by WebBank.

SecuredCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Continental Finance№ 47

Matrix Mastercard® / Matrix Discover®

Mastercard issued by Continental Finance.

SecuredCredit Building
Annual fee$75Not yet checked with Continental Financeper year
Top earn rateNot confirmed
Golden 1 Credit Union№ 49

Member First

Visa card issued by Golden 1 Credit Union.

Credit BuildingNo Annual Fee
Annual fee$0per year
Top earn rateNot confirmed
Milestone№ 53

Milestone® Gold Mastercard®

Mastercard issued by Milestone.

SecuredCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Mission Lane№ 55

Mission Lane Gold Line Visa

Visa card issued by Mission Lane.

SecuredCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Mission Lane№ 56

Mission Lane Green Line Visa

Visa card issued by Mission Lane.

SecuredCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Mission Lane№ 57

Mission Lane Secured Visa

Visa card issued by Mission Lane.

SecuredCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Mission Lane№ 58

Mission Lane Silver Line Visa

Visa card issued by Mission Lane.

SecuredCredit Building
Annual feeNot confirmed
Top earn rateNot confirmed
Questions

Frequently asked

What is the best secured credit card in United States?

The best secured card in United States depends on your spending and goals. We list every secured card we hold — 133 in total — with the issuer's published fees, networks, and welcome offers, so you can compare on the facts rather than the marketing.

How do I choose a secured credit card?

Compare the annual fee against the value you will actually use, check the network and any welcome offer, and weigh it against your top spending categories. Open any card below for the full breakdown, or use the Compare tool to line up two or three side by side.

Can I combine a secured card with other cards?

Yes. Many people pair a secured card with a complementary card so each handles the categories it earns most on. Holding cards from different issuers is common and can raise your overall rewards.

How do I know these secured card details are current?

Each card's review page marks every figure it prints: “Checked” with the month (and a link to the published document where we hold its address), or “Not yet checked” with the issuer where no check is on record — and a card with any unchecked figure says so at the top. A figure the issuer's pages we checked do not state, or that sits behind a site that blocks automated reading, is left blank and marked “Not published by the issuer where we checked” or “Issuer restricts access — check their site”. The date beside “Annual fee checked” covers the annual fee only. Terms change without notice, so confirm the current fee and offer on the issuer's own page before you apply.
Best Secured Credit Cards in the United States | PointsExplained