Best Secured Credit Cards of 2026 (Build Credit Fast)
Secured credit cards are one of the most reliable tools for building or rebuilding credit. You deposit cash as collateral, use the card responsibly, and your on-time payments get reported to all three credit bureaus. Here are the top picks for 2026.
| Card | Deposit Required |
| Discover it Secured | $200 min |
| Capital One Platinum Secured | $49, $99, or $200 |
| OpenSky Secured Visa | $200 min |
| Self Secured Visa | Linked to credit builder loan |
| Chime Credit Builder | No fixed deposit |
1. Discover it Secured — Best Overall
The Discover it Secured card earns 2% cash back at gas stations and restaurants and 1% everywhere else. Discover automatically reviews your account after 7 months and may upgrade you to an unsecured card. The $0 annual fee and free FICO score make this the top pick for most people.
Apply for Discover it Secured →
2. Capital One Platinum Secured — Best for Low Deposit
Capital One’s Platinum Secured card offers a $200 credit limit with deposits as low as $49 (depending on creditworthiness). There’s no annual fee, and Capital One automatically considers you for credit limit increases after 6 months of on-time payments.
Apply for Capital One Platinum Secured →
3. OpenSky Secured Visa — Best for No Credit Check
OpenSky doesn’t pull your credit at all — zero credit check required. The $35 annual fee is the tradeoff, but for anyone with serious credit problems or no SSN (they accept ITIN), this is a reliable path to building a credit history.
4. Chime Credit Builder — Best Flexible Deposit
The Chime Credit Builder card has no minimum deposit requirement and no annual fee. You move money from your Chime checking account to the card’s credit builder account — that becomes your spending limit. It’s a great no-risk option if you already bank with Chime.
Ready to build your credit? Start with a secured card today.