Best Secured Credit Cards for Beginners (2025 Guide)

If you’re just starting your credit journey or trying to rebuild after a setback, a secured credit card is one of the smartest ways to get moving in the right direction.


These cards work just like regular credit cards, except you provide a small deposit – usually $200 -$500, that becomes your credit limit.


The good news? With responsible use, they report to all three major credit bureaus and can help you

boost your credit score fast.

1. Capital One Platinum Secured Credit Card

  • Deposit: As low as $49 (for $200 limit)

  • Annual Fee: $0

  • Reports to: All 3 credit bureaus

  • Why it’s great: Low starting deposit and automatic credit line increases with on-time payments.

  • Pro Tip: Use under 30% of your limit each month to boost your score faster.

2. Self Secured Credit Card

  • Deposit: Linked to your Self Credit Builder account

  • Annual Fee: $0

  • Reports to: All 3 credit bureaus

  • Why it’s great: You don’t need cash upfront — your security deposit comes from your savings in your Self account.

3. Chime Credit Builder Visa®

  • Deposit: No minimum deposit

  • Annual Fee: $0

  • Reports to: All 3 credit bureaus

  • Why it’s great: No credit check, no fees, and flexible spending — excellent for first-timers.

  • Note: Requires a Chime Checking Account to qualify.

4. Discover it® Secured Credit Card

  • Deposit: $200 minimum

  • Annual Fee: $0

  • Reports to: All 3 credit bureaus

  • Why it’s great: Earns cash back (2% at gas stations/restaurants, 1% on everything else).

  • Bonus: Automatically reviews your account after 7 months for upgrade eligibility.

5. OpenSky® Secured Visa®

  • Deposit: $200–$3,000

  • Annual Fee: $35

  • Reports to: All 3 credit bureaus

  • Why it’s great: No credit check required — ideal if you’ve been denied elsewhere.

Key Takeaways

-Keep your balance under 30% of your limit

-Pay on time, every time

-Don’t apply for too many cards at once

-Check your credit report monthly

-Upgrade or move to an unsecured card after 6–12 months

💬 Pro Tip from Savvy Credit Guide

I built my own credit starting with a secured card. The key isn’t just having one — it’s using it wisely.
Treat it like a tool, not free money. Over time, your good habits will open doors to better cards, lower rates, and financial freedom.