Best secured picks

Build or rebuild credit with a refundable deposit. Compare our current picks, matched to your credit profile.

Editor's take: How we pick: we weigh real rewards value, fees, and approval likelihood — not who pays us the most.

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Great for rebuilding creditReset Secured Card

2,015 reviews

Rewards1% on all purchases

Annual fee$0

Welcome bonus—

Intro APR—

Refundable deposit from $200
Reports to all three bureaus
Path to graduate to an unsecured card

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More ways to browse

Cash back Rewards Travel Balance transfer 0% APR Student

Frequently asked questions

Used responsibly, a card builds your credit history, protects purchases, and can earn rewards on money you'd spend anyway. The key is paying the balance in full each month to avoid interest.

Start with how you spend. Heavy on groceries and gas? A cash-back card. Travel often? A travel card. Rebuilding? A secured card. Then compare fees and the intro offer against your real habits.

Yes. Secured and starter cards are designed for thin or damaged credit files. Used well, they're a fast on-ramp to better offers within a year.

There's no magic number. What matters is keeping balances low relative to your limits and paying on time. Add cards only when a new one clearly earns its place.