Deposit-backed

Best secured credit cards

Compare cards designed for limited or rebuilding credit, with special attention to deposits, annual fees, reporting, and upgrade paths.

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Credit card terms, welcome offers, APRs, credits, and eligibility rules can change without notice. BillSaver summarizes publicly available card terms for comparison only; verify rates, fees, rewards, and offer language with the issuer before applying. BillSaver may receive compensation from approved product relationships; compensation does not replace issuer terms or editorial fit. Read how BillSaver evaluates cards and handles advertising disclosures.

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Low-cost secured card

Capital One Platinum Secured Credit Card

Annual fee: $0
Rewards: No rewards program.
Intro APR: No standard intro APR offer.

A no-annual-fee secured card with a refundable $49, $99, or $200 deposit path and automatic account reviews for possible access to a higher credit line.

Terms last checked August 5, 2026. Offers and eligibility can change.

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Secured card with cash back

Bank of America® Customized Cash Rewards Secured Credit Card

Annual fee: $0
Rewards: 3% cash back in one choice category, 2% at grocery stores and wholesale clubs, and 1% on other purchases, with quarterly caps.
Intro APR: No standard intro APR offer.

A secured card that still offers meaningful rewards if used carefully.

Terms last checked August 5, 2026. Offers and eligibility can change.

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Shortlist up to 3 cards before leaving BillSaver. No cards selected. Use this as a fit check. Exact APRs, welcome offers, fees, credits, and eligibility rules still need issuer verification.

Rows link to issuer terms instead of application pages unless an approved relationship exists. Card details are summarized for comparison and may change.

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Card	Best for	Rewards	Welcome offer	Annual fee	Intro APR	Regular APR	Transfer fee	Foreign transaction fee	Credit profile	Terms
Compare Capital One Platinum Secured Credit Card Capital One · Limited, poor, or rebuilding credit Read review	Low-cost secured cardA no-annual-fee secured card with a refundable $49, $99, or $200 deposit path and automatic account reviews for possible access to a higher credit line.	No rewards program.	No traditional welcome bonus.	$0	No standard intro APR offer.	28.99% variable APR.	Balance transfer fee applies.	$0	Limited, poor, or rebuilding credit	Issuer terms
Compare Bank of America® Customized Cash Rewards Secured Credit Card Bank of America · Limited, poor, or rebuilding credit Read review	Secured card with cash backA secured card that still offers meaningful rewards if used carefully.	3% cash back in one choice category, 2% at grocery stores and wholesale clubs, and 1% on other purchases, with quarterly caps.	No traditional welcome bonus.	$0	No standard intro APR offer.	Variable APR; see issuer terms.	Balance transfer fee applies.	3%	Limited, poor, or rebuilding credit	Issuer terms

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Start here Best cards 10 cards Everyday rewards Cash back 17 cards Points and cash Rewards 23 cards Points and miles Travel 6 cards Pay down debt Balance transfer 7 cards Intro financing 0% APR 9 cards Household spending Groceries & dining 5 cards First card Students 2 cards Secured and fair credit Build credit 5 cards Deposit-backed Secured 2 cards Approval fit Fair credit 1 cards Getting started First card 5 cards International use No foreign transaction fee 7 cards Borrowing cost Low interest 9 cards Small business Business 2 cards Lower cost No annual fee 15 cards

How to use the table

Start with the reason you want the card. Rewards cards make sense when you pay in full. Balance transfer and 0% APR cards should be judged by the transfer fee, length of the promotional window, and your payoff plan. Credit-building cards should be judged by cost, reporting, deposit rules, and the habit of on-time payments.

Do not treat the richest welcome offer as the whole decision. A card with a lower annual fee, simpler rewards, or a shorter but cheaper balance-transfer period can be the better fit for a household budget.

For the reasoning behind the fields, categories, and disclosures, read the BillSaver credit card methodology.