Credit card comparisonCompare secured credit cards by security deposit, annual fee, credit reporting, and deposit-return rules. Approval, a higher credit score, and an upgrade are not guaranteed.
Compare listed cards ↓What to compare before applying
A deposit is different from a fee
A secured card generally requires a security deposit. Check the required amount, how it relates to your credit limit, and when it can be returned. Budget for that deposit separately from any annual fee and from the monthly bill; the deposit does not replace payments.
Check credit reporting and upgrade rules
Ask which credit bureaus receive account activity and whether the issuer reviews accounts for an unsecured upgrade. A review date is not a promised upgrade date. Confirm how account closure, unpaid balances, and an upgrade affect return of the deposit.
Choose a payment routine before rewards
Set a manageable spending limit and arrange payments you can afford. On-time payments and careful balance management matter more than a small reward rate. If you want to check eligibility first, read whether the issuer uses a soft or hard credit inquiry.
Compare the cards in our directory
This is a selection of products, not the entire market. Offers can vary by applicant and change over time. Verify current bonuses, rates, fees, and eligibility in the issuer’s application disclosures before applying. List order is not a guarantee of suitability or approval.
Aspire Cash Back Rewards Card
Aspire · Mastercard
Annual fee
$49–$175 first year; $0–$49 annually afterward, plus $5–$15 monthly maintenance after year one
Top reward
1% cash back on eligible purchases with the Cash Back Rewards Mastercard; other Aspire products differ.
Signup bonus
No public welcome bonus listed on the reviewed product page
Selected facts checked 2026-09-24 · Official source
Destiny Mastercard
Destiny · Mastercard
Annual fee
Example public $300-limit offer: $75 first year, then $99 annually; no monthly fee. Other offers may differ.
Top reward
Rewards vary by offer; the cited basic offer does not list a rewards program.
Signup bonus
No welcome bonus listed in the cited example offer
Selected facts checked 2026-09-24 · Official source
Discover it Secured Credit Card
Discover · Discover
Top reward
5% in rotating categories on up to $1,500 per quarter with activation; 1% on other purchases
Signup bonus
Discover matches the cash back earned during your first year, with no maximum. New cardmembers only; match is paid after the first year.
Bonus: Discover matches the cash back earned during your first year, with no maximum. New cardmembers only; match is paid after the first year.
Selected facts checked 2026-09-24 · Official source
- +5% in rotating quarterly categories after activation, up to the quarterly maximum; 1% on other purchases.
Discover it Student Cash Back
Discover · Discover
Top reward
5% in rotating categories on up to $1,500 per quarter with activation; 1% on other purchases
Signup bonus
Discover matches the cash back earned during your first year, with no maximum. New cardmembers only; match is paid after the first year.
Bonus: Discover matches the cash back earned during your first year, with no maximum. New cardmembers only; match is paid after the first year.
Selected facts checked 2026-09-24 · Official source
- +5% cash back in rotating categories up to the quarterly maximum after activation; 1% on other eligible purchases.
First Progress Platinum Prestige Mastercard Secured
Synovus Bank · Mastercard
Top reward
1% cash back on qualifying payments to your card account
Signup bonus
No public welcome bonus listed in the reviewed offer
Selected facts checked 2026-09-24 · Official source
Fortiva Credit Card
Fortiva · Mastercard
Annual fee
$49–$175 first year; $0–$49 annually afterward, plus $5–$15 monthly maintenance after year one
Top reward
Rewards depend on your offer. Review the rewards addendum attached to your offer.
Signup bonus
No public welcome bonus listed on the reviewed product page
Selected facts checked 2026-09-24 · Official source
Indigo Mastercard
Indigo · Mastercard
Annual fee
Example public $300-limit offer: $35 first year, then $99 annually; no monthly fee. Other offers may differ.
Top reward
Rewards vary by offer; the cited basic offer does not list a rewards program.
Signup bonus
No welcome bonus listed in the cited example offer
Selected facts checked 2026-09-24 · Official source
Mission Lane Visa Credit Card
Mission Lane · Visa
Annual fee
$0–$59, depending on your offer
Top reward
Rewards depend on the Mission Lane product offered; Green Line, Silver Line and Gold Line have different benefits.
Signup bonus
No public welcome bonus listed in the reviewed offer
Selected facts checked 2026-09-24 · Official source
OpenSky Secured Visa Credit Card
Capital Bank · Visa
Top reward
Reward details unavailable
Signup bonus
No public welcome bonus listed in the reviewed offer
Selected facts checked 2026-09-24 · Official source
- +The standard OpenSky Secured Visa requires a security deposit starting at $200.
Petal 1 No Annual Fee Visa Credit Card
WebBank · Visa
Annual fee
These are current new-account terms. Accounts acquired before May 16, 2023 may have different fees.
Top reward
1%–10% cash back at select merchants; offers are personalized
Signup bonus
No public welcome bonus listed on the reviewed product page
Selected facts checked 2026-09-24 · Official source
Petal 2 Cash Back No Fees Visa Credit Card
WebBank · Visa
Annual fee
These are current new-account terms. Accounts acquired before May 16, 2023 may have different fees.
Top reward
1% cash back on eligible purchases, rising to 1.5% with qualifying on-time payments; select merchant offers available
Signup bonus
No public welcome bonus listed on the reviewed product page
Selected facts checked 2026-09-24 · Official source
- +Everyday purchase cash back ranges from 1% to 1.5%, subject to program requirements.
Platinum Secured Credit Card
Capital One · Mastercard
Signup bonus
No welcome bonus
Selected facts checked 2026-09-24 · Official source
Self Visa Credit Card
Self Financial · Visa
Annual fee
$0 introductory annual fee for new customers in year one; $25 thereafter. Refundable security deposit of at least $100.
Top reward
Reward details unavailable
Signup bonus
No public welcome bonus listed on the reviewed product page
Selected facts checked 2026-09-24 · Official source
Continue your comparison
Comparison guidance reviewed September 12, 2026. This date does not certify every issuer offer as current. Sources: CFPB credit card terms and each linked issuer’s application disclosures. Editorial policy.
Work through the numbers
Use these guides to compare costs and benefits with your own budget.
