Best secured credit cards for December 2024
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- Self - Credit Builder Account with Secured Visa® Credit Card: Best for building a credit mix
- Capital One Platinum Secured Credit Card: Best for building credit
- Chime Credit Builder Secured Visa® Credit Card: Best for flexible deposit
- Discover it® Secured Credit Card: Best welcome offer
- Capital One Quicksilver Secured Cash Rewards Credit Card: Best starter rewards card
- First Progress Platinum Prestige Mastercard® Secured Credit Card: Best for low interest
- OpenSky® Secured Visa® Credit Card: Best card for after bankruptcy
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Showing 7 results
Best for building a credit mix
Regular APR
28.74% (Variable)
Annual fee
$25
Why you'll like this: It helps you build credit and save money with monthly payments into a savings account that secures a credit limit on the accompanying secured credit card.
Intro offer
N/A
Annual fee
$0
Regular APR
29.99% (Variable)
Why you'll like this: It offers a simple, low-cost way to build credit, and Capital One offers a great mix of rewards cards should you want to upgrade in the future.
Best for flexible deposit
Regular APR
N/A
Annual fee
None
Why you'll like this: It helps establish or rebuild credit with no annual fee, no credit score required for approval and an option to upgrade to an unsecured card over time.
Regular APR
27.49% Variable APR *Rates as of December 12, 2024.
Annual fee
$0
Why you'll like this: It allows you to build credit while earning cash back at gas stations and restaurants.
Best starter rewards card
Regular APR
29.99% (Variable)
Annual fee
$0
Why you'll like this: It offers a solid flat cash back rate and a chance at a credit limit increase in as little as six months if you use the card responsibly.
Best for low interest
Regular APR
14.49% (V)
Annual fee
$49
Why you'll like this: Your security deposit determines your credit limit, allowing you to establish credit and potentially receive lower interest rates than with many unsecured cards.
Regular APR
24.89% (variable)
Annual fee
$35
Why you'll like this: Since it doesn’t require a credit check, it’s one of the most accessible options for people without credit histories or poor credit.
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Compare Bankrate's top secured credit cards
Card Name | Best For | Annual fee | Bankrate Review Score |
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Building a credit mix |
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3.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Self's secure site
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Building credit |
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4.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
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Flexible deposit |
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4.2 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Chime's secure site
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Welcome offer |
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4.5 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Discover's secure site
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Starter rewards card |
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4.0 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital One's secure site
|
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Low interest |
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2.6 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on First Progress's secure site
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Card for after bankruptcy |
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3.1 / 5 Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards.
Apply now
on Capital Bank's secure site
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