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Secured credit cards can help you get started with building or rebuilding credit Discover it® secured credit card — best overall for rewards & graduation path. Our experts at forbes advisor compare the best secured cards available right now.

Nerdwallet's credit cards team selects the best secured credit cards to build credit based on overall value, as evidenced by star ratings, as well as suitability for specific kinds of. In this guide, we highlight the best secured credit cards of 2025 —cards that offer rewards, flexible deposits, credit reporting, and clear upgrade paths November 2025's best secured credit cards are selected by wallethub editors from 1,500+ credit card offers

Get expert help choosing the best secured card.

We thoroughly rate and research the best secured cards based on key criteria to help you make confident decisions when choosing your next credit card Learn more about our methodology below. We can help you weigh the pros and cons as you navigate the idea of a secured credit card $0 annual fee for the first year only, $25 annual fee thereafter

You’ll only have to put down $100 as a deposit to get started — half the requirement you’ll find on many of the most popular secured cards. Nobody wants a high apr Ideally, you’ll pay off your credit card, secured or not, every month so you don’t have to worry too much about the apr. Cnbc select analyzed secured credit cards offered by a range of financial institutions to find the best options for building and rebuilding credit.

Below are our picks for 2025's best secured credit cards

Unlike unsecured cards, these cards require users to make a refundable deposit into a bank account to secure a line of credit. For individuals that struggle with poor credit, a secured credit card can be a valuable tool With a secured credit card, you’ll pay a cash deposit that’s equal to your credit line The credit card issuer will then hold on to your deposit in case you don’t make your monthly payments.

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