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Best Secured Credit Cards

Is your credit history sad and lonely? Well we're not a dating service, but here are our top three options for a secured card to get you moving in the right direction. Smart credit decisions like paying your bills on time and only charging what you can afford will help you build a better credit score. We'd like an invite to the wedding when your relationship with credit rebounds. 

Looking for something else? Jump below the fold for some additional options. If you disagree with our assessment, we'd love to hear how you earn cash back. Shoot us an e-mail. Change our mind and be handsomely rewarded with some TPJ swag.

Discover it® Secured Card

  • $0 Annual Fee
  • $200 Minimum security deposit
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in comnbined purchases each quarter.
  • Earn 1% cash back on all other purchases.
  • Qualified cardholders may be upgraded to a non-secured line of credit in as little as 8 months
  • Terms Apply

Capital One® Secured Mastercard®

  • $0 Annual Fee
  • $49 Minimum security deposit
  • Get access to a higher credit line after 5 monthly payments on time
  • Terms Apply

SunTrust Cash Rewards Secured Card

  • $32 Annual Fee
  • $300 Minimum Deposit
  • Earn 2% Cash Back on up to $6,000 spent annually on gas and grocery qualifying purchases
  • Earn 1% on all other qualifying purchases
  • Qualified cardholders may be eligible to upgrade to a non-secured card
  • Terms Apply

Additional Secured Cards

Here are some additional secured credit cards that can help you win back your first love. Everyone's first love is a good credit score, right? It can't just be us. If you need to build your credit score, check out Self Lender as an additional tool. It pairs nicely with a secured card.

OpenSky® Secured Visa® Secured Card

  • $35 Annual Fee
  • $200 Minimum security deposit
  • Join a community of other people just like you to share you credit building journey
  • Terms Apply


  • Get matched to credit cards you're more likely to qualify for
  • No impact to your credit score
  • Find offers from Capital One, American Express, Chase, Bank of America, and more all with the click of a button

Self Lender Credit Builder

  • The first nationwide savings plan that builds credit
  • Savings plans start at $25/month and includes credit monitoring
  • Reports to all 3 credit bureaus. No hard credit pull and no credit history required
  • Self Lender helps you get a small loan that you save in a CD for 12 or 24 months (FDIC-insured certificate of deposit bank account)
  • At the end of account term you've built credit history and your CD savings unlocks

FNBO Secured Visa® Card

  • $0 Annual Fee
  • $300 Minimum security deposit
  • Qualified applicants may receive their security deposit back in as little as 11 months
  • Terms Apply

Wells Fargo Secured Credit Card

  • $25 Annual Fee
  • $300 Minimum Security Deposit
  • Budgeting Tools to help manage your monthly expenses
  • Qualified applicants may upgrade to a non-secured card over time.
  • An existing Wells Fargo relationship is required to apply online. 
  • Terms Apply

Citi® Secured Mastercard®

  • $0 Annual Fee
  • $200 Minimum security deposit
  • Security deposit will be held for 18 months
  • Terms Apply

BBVA Optimizer Credit Card

  • $40 Annual Fee
  • $500 Minimum security deposit
  • Terms Apply