ADVERTISER DISCLOSURE
Building Credit / Secured

Secured credit cards are for when you're building a credit score from scratch or working on improving poor credit.


Card Score

97   Excellent


On Discover's secure website

View Rates and Fees

A great card to build up credit, with decent rewards, unlike most secured cards
Regular APR Annual Fee Credit Needed Rewards Rate

23.74% (Variable)

$0

350 to 689

1.00%

Pros
  • No annual fee
  • 10.99% on balance transfers for 6 months
  • A dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically
Cons
  • Although no annual fee, you have to put in a security deposit of $200
Card Score

85   Great


On Navy Federal Credit Union's secure website

View Rates and Fees

A decent secured card from a small, indie bank
Regular APR Annual Fee Credit Needed Rewards Rate

14.99% (Variable)

$0

550 to 690

1 point per dollar

Pros
  • Low APR and fees
  • No annual fee
  • Great for veterans
Cons
  • Hard to apply for the card
Card Score

81   Good


On Capital One's secure website

View Rates and Fees

An average secured card for building credit
Regular APR Annual Fee Credit Needed Rewards Rate

24.99% (Variable)

$0

350 to 629

0.00%

Pros
  • Qualify with limited / bad credit
  • No annual fee
  • No foreign transaction fee
Cons
  • No rewards
  • High A P R
Card Score

80   Good


On Berkshire Bank's secure website

View Rates and Fees

Solid card for establishing your credit using a small, indie bank
Regular APR Annual Fee Credit Needed Rewards Rate

9.99% - 13.99% (Variable)

$200

350 to 629

0.00%

Pros
  • Qualify with limited / bad credit
  • No Credit Check required
Cons
  • Has annual fee
  • No rewards
Card Score

78   Good


On Berkshire Bank's secure website

View Rates and Fees

A good card for establishing or re-establishing credit, but has an annual fee
Regular APR Annual Fee Credit Needed Rewards Rate

13.99% (Variable)

$200

350 to 629

0.00%

Pros
  • Qualify with limited / bad credit
  • No Credit Check required
Cons
  • Has annual fee
  • No rewards
Card Score

76   Average


On SDFCU Savings's secure website

View Rates and Fees

A better than average secured card from our friends near Foggy Bottom
Regular APR Annual Fee Credit Needed Rewards Rate

20% (Variable)

$0

550 to 700

N/A

Pros
  • Small indy bank
  • No annual fee
Cons
  • APRs not fully disclosed - only give low, not average or high
Card Score

75   Average


On ABOC's secure website

View Rates and Fees

Secured card with rewards, but it's a small bank
Regular APR Annual Fee Credit Needed Rewards Rate

13.90% - 23.90% (Variable)

$0

None

N/A

Pros
  • No annual fee
  • 0% Intro APR for 12 months for purchases
  • has rewards program
Cons
  • Has foreign transaction fees
  • small bank
Card Score

70   Average


On Citi's secure website

View Rates and Fees

Probably the worst secured card - you can do better
Regular APR Annual Fee Credit Needed Rewards Rate

23.49% (Variable)

$0

350 to 719

0.00%

Pros
  • Qualify with limited / no credit, no annual fee
Cons
  • No rewards
  • High A P R
Discover it® Secured Card
A great card to build up credit, with decent rewards, unlike most secured cards
Regular APR 23.74% (Variable)
Annual Fee $0
Credit Needed 350 to 689
Rewards Rate 1.00%
Navy Federal nRewards® Secured Credit Card
A decent secured card from a small, indie bank
Regular APR 14.99% (Variable)
Annual Fee $0
Credit Needed 550 to 690
Rewards Rate 1 point per dollar
Full Analysis   85
On Navy Federal Credit Union's secure website

View Rates and Fees

Capital One® Secured MasterCard®
An average secured card for building credit
Regular APR 24.99% (Variable)
Annual Fee $0
Credit Needed 350 to 629
Rewards Rate 0.00%
Berkshire Bank primor® Secured Visa Gold
Solid card for establishing your credit using a small, indie bank
Regular APR 9.99% - 13.99% (Variable)
Annual Fee $200
Credit Needed 350 to 629
Rewards Rate 0.00%
Berkshire Bank primor® Secured Visa Classic
A good card for establishing or re-establishing credit, but has an annual fee
Regular APR 13.99% (Variable)
Annual Fee $200
Credit Needed 350 to 629
Rewards Rate 0.00%
SDFCU Savings Secured Visa Platinum Card
A better than average secured card from our friends near Foggy Bottom
Regular APR 20% (Variable)
Annual Fee $0
Credit Needed 550 to 700
Rewards Rate N/A
ABOC Platinum Reward Credit Card Application Disclosures
Secured card with rewards, but it's a small bank
Regular APR 13.90% - 23.90% (Variable)
Annual Fee $0
Credit Needed None
Rewards Rate N/A
Citi® Secured Mastercard®
Probably the worst secured card - you can do better
Regular APR 23.49% (Variable)
Annual Fee $0
Credit Needed 350 to 719
Rewards Rate 0.00%


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