Adam McCann, Financial Writer
@adam_mcan
One of the best secured credit cards with rewards is the Bank of America® Unlimited Cash Rewards Secured Credit Card because it offers 2% cash back on all purchases for the first year, and 1.5% cash back thereafter and has a $0 annual fee. Cardholders need to deposit $200+, and the amount you put down will act as the credit limit.
Best Secured Credit Cards with Rewards
Rewards are among the few factors that you should consider when choosing a secured credit card, along with the annual fee and the minimum deposit requirement. Paying an annual fee just to get rewards only makes sense if the amount you’ll earn exceeds both the fee and your expected earnings with a cheaper card combined.
By the way, all of these cards report to the credit bureaus on a monthly basis, giving you the chance to build credit with on-time payments.
Popular Rewards Credit Cards in June 2026 from Our Partners
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Christopher Ross, Member
@c_ross_writer
There are a lot more options than there once were, but my recommendation hasn’t changed: Discover it® Secured still is the best rewards secured card. You won’t be disappointed (unless you don’t spend much the first year).
Justine Browns, Member
@justine_browns
I like the Discover it Secured Credit Card. You earn 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases each quarter, and 1% cash back on all other credit card purchases. Plus, they automatically match all the cash back you’ve earned at the end of the first year. Your cash back never expires, and you can redeem it in any amount, anytime.
Jonathan Reed, Member
@jon_reed_code
The U.S. Bank card is great if you don’t spend more than $2k every 3 months. You can get 5% back.
Marjorie Willis, Member
@marjorie_willis
Harley-Davidson has pretty good rewards, and no annual fee, so you could go with that.
People also ask
What is the best secured credit card for bad credit?
The best secured credit card for bad credit is the Bank of America® Unlimited Cash Rewards Secured Credit Card because it offers 2% cash back on all purchases for the first year, and 1.5% cash back thereafter and has a $0 annual fee. The card’s main approval requirements are being 18+ years old and having enough income to afford monthly bill payments. You must also put down a refundable security deposit of $200 or more. Approval is never guaranteed, though.
Most secured credit cards are open to applicants with bad credit. Generally, these cards have more lenient approval...
read full answer by Maria Adams, Credit Cards ModeratorWhat are the best high limit unsecured credit cards that I can get with bad credit?
The best high limit unsecured credit card for bad credit is the Fortiva® Cash Back Rewards Mastercard. This card offers a credit limit of at least $350, 1 - 3% cash back on purchases, and high odds of approval for applicants with credit scores below 640. Cardholders have reportedly received credit limits as high as $1,000, though the exact credit limit you’ll receive will depend on your creditworthiness when you apply.
Best High Limit Unsecured Credit Cards for Bad Credit
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Can you be denied for a secured credit card?
Yes, you can be denied for a secured credit card if you don’t meet the issuer’s minimum requirements, which typically include being at least 18 years old and having a U.S. address, a Social Security Number (SSN), and sufficient income to cover the payments. You could also be denied if you have major negative items on your credit report, such as bankruptcy.
Other common reasons you’d be denied for a secured card might be incomplete or...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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