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Wouldn’t it be great if you could just wave a magic wand and instantly earn a stellar credit score, the type that has banks and others drooling to lend you money? Sadly, life just isn’t that easy. To get the sort of score that has real benefits (ie. saves you lots of money on your mortgage and car payments) requires a clean track record of paying off your debts on time. One of the best ways to build or rebuild credit is to apply for and responsibly use a secured credit card. But like all financial products, not all secured cards are equal. Look below for a list of credit building cards and secured cards to find one that not only helps you build or rebuild your credit but also treats you well along the way. If you have “Good” or “Excellent” credit, please check out our Credit Card Deals page. What’s Your Credit Score? If you don’t know, click here.

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FEATURED CARD EDITOR’S PICK Capital One Secured MasterCard – No Annual Fee. Great Card if you are not carrying a balance.

Capital One Secured MasterCardFive Stars

Reports to All Three Credit Bureaus / Free Access to Your Credit Score


*Capital One card information provided by partner site, CardRatings.com.


CAPITAL BANK – OPENSKY® SECURED VISA ® CREDIT CARD

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    • Build Your Credit, with monthly updates to all 3 credit bureaus
    • Control Your Finances, start with a security deposit and credit line as low as $200
    • Apply in less than 5 minutes, NO credit check necessary
    • Avoid paying interest, no interest charged on new purchases if the balance is paid in full by the due date each month.
    • Extra Credit When You Need It, increase your credit line up to $5000
    • Easy funding options, with 4 ways to fund and NO checking account needed
    • Click here for full review.

Editor’s Rating

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Secured cards Rating

At Capital Bank’s secure site

Annual FeeAPRCredit NeededGrace Period
$3517.39%Bad Credit25 Days

DCU VISA PLATINUM SECURED CREDIT CARD

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Milestone Gold MasterCard

  • Secured card rates well below the national average
  • Borrow against your DCU savings account
  • No Annual Fee*
  • No Fees or Higher Rates for Cash Advances and Balance Transfers
  • Insurance, car rental, travel, and warranty benefits
  • Optional Overdraft Protection On Your DCU Checking
  • Buy online easily and safely with Visa Checkout
  • Click here for full review.

Editor’s Rating

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4.5 Stars

More Information
Credit Needed: Poor

Annual FeeAPRCredit NeededGrace Period
$0*11.50%Bad Credit24-30 Days

US BANK HARLEY DAVIDSON

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HDSecured Reviews

    • No Annual Fee
    • Earn one H-D™ Genuine Rewards point for every $1 in net purchases.
    • Redeem 2,500 points for a $25 H-D™ Gift Card.
    • You could win a new motorcycle with the H-D™ Visa Free Ride Sweepstakes.
    • Receive a $10 H-D™ Genuine Rewards Certificate.
    • Zero Fraud Liability
    • Fraud Protection
    • Auto Rental Collision Damage Waiver
    • Free Online Banking
    • Automatic Bill Pay
    • Click here for full review.

Editor’s Rating

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Secured Card HDSecured Reviews
Credit Needed: Poor

Annual FeeAPRCredit NeededGrace Period
$022.99%Bad Credit24-30 Days

primor Secured Visa Gold Card

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Prime-Gold Card Reviews

    • Fast, easy application process
    • No processing or application fees.
    • Low fixed interest rates with no penalty rate.
    • Reports to all three nationwide credit bureaus
    • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more.*
    • See application for additional details.
    • Other than annual fee, all other fees are treated as cash advances instead of purchases.
    • Click here for full review.

Editor’s Rating

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Secured credit card reviews

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At primor’s secure site

Annual FeeAPRCredit NeededGrace Period
$499.99%Bad Credit25 Days

If you are a member of the military, click here for exclusive credit building card offers!

primor Secured Visa Classic Card

Secured credit card Reviews

    • Fast, easy application process
    • No processing or application fees.
    • Reports to all three nationwide credit bureaus.
    • Low fixed interest rates with no penalty rate.
    • Guaranteed Approval* as long as your monthly income exceeds your monthly expenses by $100 or more.*
    • See application for additional details.
    • Other than annual fee, all other fees are treated as cash advances instead of purchases.
    • Click here for full review.

Editor’s Rating

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Secured credit card reviews
At primor’s secure site

Annual FeeAPRCredit NeededGrace Period
$3913.99%Bad Credit25 Days

US BANK LIFEMILES VISA SECURE CARD

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Usbank Lifemiles Reviews

    • Earn one LifeMile for every net $1 you spend.
    • 5,000 bonus LifeMiles with your first card use.
    • $0 intro annual fee for the first year ($25 thereafter)
    • 15% Excess Baggage Redemption Discount.
    • $500,000 Travel Accident Insurance.
    • Zero Fraud Liability
    • Fraud Protection
    • Travel & Emergency Assistance
    • Auto Rental Collision Damage Waiver
    • Travel Accident Insurance
    • Free Internet Banking
    • Automatic Bill Pay
    • Click here for full review.

Editor’s Rating

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Secured Card Ratings

More Information
Credit Needed: Poor

Annual FeeAPRCredit NeededGrace Period
$022.99%Bad Credit25 Days

MILESTONE GOLD MASTERCARD (No Security Deposit Required)

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Milestone Gold MasterCard

  • This is an Unsecured credit card; no secured deposit required.
  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design – Free
  • Zero Liability — you’ll never be held liable for unauthorized charges made to your card
  • Free online account access
  • Accepted at over 35 Million Locations Worldwide
  • Previous bankruptcy OK
  • Annual fee and interest rate are awarded based on credit review.*
  • Click here for full review.

Editor’s Rating

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3 Stars

Milestone Gold Mastercard Reviews
Credit Needed: Poor

No Security Deposit Required
Unsecured Credit Card

Annual FeeAPRCredit NeededGrace Period
$35-$99*23.90%Bad Credit24-30 Days

Check out our Secured Credit Cards Reviews section for more credit building and secured cards reviews.

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Secured credit card reviews