What are the best secured cards that graduate to unsecured? This question is about Secured Credit Cards

The best secured card that graduates to unsecured is the U.S. Bank Altitude® Go Visa® Secured Card. U.S. Bank periodically reviews accounts for possible graduation and it reports to all 3 major credit bureaus. With this card, you also get 1 - 4 points per $1 spent on purchases. Best Secured Cards That Graduate to Unsecured Overall: U.S. Bank Altitude® Go Visa® Secured CardU.S. Bank Altitude® Go Visa® Secured CardLearn MoreLearn MoreCash Back: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn MoreFlat Rewards Rate: Bank of America® Unlimited Cash Rewards Secured Credit CardBank of America® Unlimited Cash Rewards Secured Credit CardLearn MoreLearn MoreCustomized Rewards: U.S. Bank Cash+® Visa® Secured CardU.S. Bank Cash+® Visa® Secured CardLearn MoreLearn MoreLow Deposit: Capital One Platinum Secured Credit CardCapital One Platinum Secured Credit CardLearn MoreLearn MoreBusiness: Business Advantage Unlimited Cash Rewards Secured credit cardBusiness Advantage Unlimited Cash Rewards Secured credit cardLearn MoreLearn More When your secured card graduates to an unsecured card, your credit line no longer needs to be secured with collateral. So when you graduate, the initial deposit you made to open the account will be refunded. You may get to keep the same physical credit card, or you may be migrated to another one. Either way, you’ll keep the good credit history you’ve earned with your secured card.

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What are the best secured cards that graduate to unsecured?

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Archie Conway, WalletHub Financial Advisor

@ArchieConway • 05/04/23 This answer was first published on 03/04/20 and it was last updated on 05/04/23.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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The best secured card that graduates to unsecured is the U.S. Bank Altitude® Go Visa® Secured Card. U.S. Bank periodically reviews accounts for possible graduation and it reports to all 3 major credit bureaus. With this card, you also get 1 - 4 points per $1 spent on purchases.

Best Secured Cards That Graduate to Unsecured

Overall: U.S. Bank Altitude® Go Visa® Secured CardU.S. Bank Altitude® Go Visa® Secured CardLearn MoreLearn More
Cash Back: Capital One Quicksilver Secured Cash Rewards Credit CardCapital One Quicksilver Secured Cash Rewards Credit CardLearn MoreLearn More
Flat Rewards Rate: Bank of America® Unlimited Cash Rewards Secured Credit CardBank of America® Unlimited Cash Rewards Secured Credit CardLearn MoreLearn More
Customized Rewards: U.S. Bank Cash+® Visa® Secured CardU.S. Bank Cash+® Visa® Secured CardLearn MoreLearn More
Low Deposit: Capital One Platinum Secured Credit CardCapital One Platinum Secured Credit CardLearn MoreLearn More
Business: Business Advantage Unlimited Cash Rewards Secured credit cardBusiness Advantage Unlimited Cash Rewards Secured credit cardLearn MoreLearn More

When your secured card graduates to an unsecured card, your credit line no longer needs to be secured with collateral. So when you graduate, the initial deposit you made to open the account will be refunded. You may get to keep the same physical credit card, or you may be migrated to another one. Either way, you’ll keep the good credit history you’ve earned with your secured card.

Answer Question

Does the Capital One Platinum Secured card graduate to unsecured?

Yes, the Capital One Platinum Secured card can graduate to unsecured. Capital One will periodically review your account for possible graduation. If your account is eligible, you will be notified by email.

How to increase your chances of graduating with the Capital One Platinum Secured Card:

Make on-time payments. This is probably the most important part of the process. If you don’t pay your Capital One Platinum Secured bills by the due date, you won’t even be considered for graduation.
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How long does it take for a secured credit card to become unsecured?

It usually takes 12 to 18 months for a secured card to become an unsecured card, if used responsibly. Exactly how long it takes for a secured card to become unsecured depends on the card issuer, how the account is managed, and whether or not the card even has the capability of graduating in the first place.

Credit card graduation is when a secured card’s security deposit is returned to the cardholder and the...

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