Best Secured Credit Cards 2026
What Are Secured Cards?
Secured credit cards require a cash deposit that serves as your credit limit. They are designed for people with no credit history or poor credit who want to build or rebuild their credit score.
Top Secured Cards
The Discover It Secured offers 2% cash back on gas and restaurants with automatic credit review after 7 months. Capital One Platinum Secured requires deposits as low as $49. Both report to all three credit bureaus.
Graduation to Unsecured
Most secured cards automatically review your account after 6-12 months. If you have made on-time payments, you may graduate to an unsecured card and receive your deposit back.
Deposit Requirements
Deposits range from $49 to $5,000 depending on the card and your credit profile. Your credit limit equals your deposit amount. Choose a deposit you can afford while using the card responsibly.