Best Secured Credit Cards | CompareCredit.com

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Last fact checked: Sep. 16, 2026

Best Secured Credit Cards of September 2026

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SoFi Smart Card

4.0

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on SoFi's secure site

Build Your CreditReports to all 3 major credit bureaus to build credit history, and boost your credit score with responsible use
Rewards RateEarn unlimited 5% cash back rewards on eligible grocery store purchases
Extra PerksThere’s no hard credit pull to apply, no annual fee, and no foreign transaction fees.
Annual Fee$0
Credit Score NeededBad, Limited, Rebuilding
Card Brand

Select to apply online
Earn unlimited 5% cash back rewards on eligible grocery store purchases, issued in the form of SoFi Member Rewards points.
Up to 4.00% APY¹ on SoFi Savings balances for up to 6 months with eligible direct deposit.
Spending control with a dynamic credit limit based on a member’s Checking and Savings account balances.
Opportunities to grow credit scores responsibly with on-time payments and no hard credit pull to apply.
$0 fraud liability, issued via Mastercard to provide the protections of a credit card.
Fee free access to 55,000+ ATMs worldwide.²
Ways to easily send and receive money through person-to-person payments, Zelle, bill pay, worldwide money transfers, and mobile check deposit.
Access to complimentary unlimited financial planning³ and additional benefits with a SoFi Plus membership.

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Secured Self Visa^® Credit Card

4.0

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on Self's secure site

Build Your CreditReports to all 3 major credit bureaus to build credit history, and lift your credit score with responsible use
Credit Line IncreaseBe automatically considered for a higher credit line in just 6 months – no extra deposit needed
Extra PerksEnjoy peace of mind with $0 Fraud Liability Guarantee for Lost/Stolen Cards with Visa’s Zero Liability Policy
Annual Fee$0 intro for the first year, $25 thereafter*
Credit Score NeededBad, Limited, Rebuilding
Card Brand

Select to apply online
$0 intro annual fee for the first year only, for new customers only, $25 thereafter
No credit check or credit score required
See if you’re approved in minutes
Reports to all 3 major credit bureaus to build credit history
Be automatically considered for a higher credit line in just 6 months—no extra deposit needed
Monitor your credit progress with free access to your Credit Score. Secure your credit line with a refundable security deposit¹ - as low as $100.
Use your card anywhere Visa is accepted–in the US.
Enjoy peace of mind with $0 Fraud Liability Guarantee for Lost/Stolen Cards with Visa’s Zero Liability Policy
Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
Manage your account online or in our mobile app
Self is not a bank. The Secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
¹Deposits are returned upon account closure after settling outstanding balances.
*$0 intro annual fee for the first year only, for new customers only, $25 thereafter. Variable APR of 27.49%.
Results may vary. You may not receive an improved credit score based on your financial behavior, including missed payments with Self credit products and activity with other creditors.
Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.

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Capital One Platinum Secured Credit Card

4.0

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on Capital One's secure site

Fewer FeesPay no annual fee and no foreign transaction fees
Boost Your CreditReports to the credit bureaus and builds your credit score when used responsibly
Mastercard AcceptanceUse your card wherever Mastercard is accepted
Annual Fee$0
Credit Score NeededLimited, Bad
Card Brand

Select to apply online
No annual or hidden fees. See if you're approved in seconds
Building your credit? Using the Capital One Platinum Secured card responsibly could help
Put down a refundable security deposit starting at $49 to get at least a $200 initial credit line
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking to access your account from your desktop or smartphone, with Capital One's mobile app
Top rated mobile app

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Capital One Quicksilver Secured Cash Rewards Credit Card

5.0

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on Capital One's secure site

Boost Your CreditReports to the credit bureaus and builds your credit score when used responsibly
Rewards Rate1.5% Cash Back on every purchase, every day and 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
Extra PerksPay no annual fee and no foreign transaction fees
Annual Fee$0
Credit Score NeededPoor / Limited / New to Credit
Card Brand

Select to apply online
No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you're approved in seconds
Put down a refundable $200 security deposit to get at least a $200 initial credit line
Building your credit? Using a card like this responsibly could help
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Top rated mobile app

Review additional details for Capital One Quicksilver Secured Cash Rewards Credit Card