Best secured credit cards of 2024
Build or rebuild your credit with a secured card. Get matched to credit cards from our partners based on your unique credit profile.⍉
Get higher approval odds
Great option if you’re having trouble getting approved for a credit card.
Set your credit limit
Control your spending by only depositing as much as you feel comfortable with.
Upgrade in the future
Build your credit, then upgrade to an unsecured card with the same card issuer.
⍉Based on FICO® Score 8 model. Offers and approval not guaranteed. Eligibility requirements and terms apply. Subject to credit check which may impact your credit scores. Offers not available in all states. See licenses and disclosures.
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All secured credit cards
7 partner offers
The OpenSky® Secured Visa® Credit Card
Intro bonus: | N/A* |
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Rewards: | N/A* |
Ongoing APR: | 25.14% Variable |
Annual Fee: | $35 |
Capital One Quicksilver Secured Cash Rewards Credit Card
Intro bonus: | N/A* |
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Rewards: | 1.5%-5% (cash back) |
Ongoing APR: | 29.99% (Variable) |
Annual Fee: | $0 |
Platinum Prestige Mastercard® Secured Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 14.49% Variable |
Annual Fee: | $49 |
First Latitude Assent Mastercard® Secured Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 28.49% Variable |
Annual Fee: | $0 |
Platinum Select Mastercard® Secured Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 18.49% Variable |
Annual Fee: | $39 |
Credit One Bank® Secured Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 29.24% Variable |
Annual Fee: | $0 |
Terms Apply
Rates and feesCapital One Platinum Secured Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 29.99% (Variable) |
Annual Fee: | $0 |
Any opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.
*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
ΘCredit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.
How to choose a secured credit card
1
Look for 3-bureau reporting
Build your credit with a card that reports to all 3 credit bureaus.
2
Check the minimum deposit
At least $200 is usually required to open a secured credit card.
3
Watch out for fees
If it has an annual fee, see if it offers other perks, like rewards.
4
Consider upgrade potential
Switch to an unsecured card once your credit improves.
Start with your FICO® ScoreΘ and see card offers matched to your credit profile.
Get started for freeΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.