Best Secured Credit Cards for Building Credit
Best Secured Credit Cards for Building Credit
Secured cards require a deposit but build credit like any other card. Here are the best options.
Top Picks
Discover it Secured: Cash back rewards, graduates to unsecured, Cashback Match first year
Capital One Platinum Secured: $49-200 deposit for $200 limit, may graduate quickly
Chime Credit Builder: No deposit required, unique model
What to Look For
- Reports to all three bureaus
- Path to unsecured card
- Low or no annual fee
- Deposit matches credit limit
The Bottom Line
Discover it Secured is the best option for most—it offers rewards, graduates to unsecured, and doubles your first-year cash back.
Last updated: January 9, 2026
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