Lisa Cahill, Credit Cards Moderator
@lisacahill
The best secured credit cards for no credit are the Discover it® Secured Credit Card, the Capital One Quicksilver Secured Cash Rewards Credit Card, and the opensky® Plus Secured Visa® Credit Card. The Discover it Secured Card is the best option overall because it has a $0 annual fee and great cash back rewards. It even matches the rewards new cardholders earn the first year.
These cards require a refundable security deposit of $200 or more, for a credit limit equal to the deposit amount. But they also offer the chance to graduate to an unsecured card after several months of on-time payments.
Best Secured Credit Cards for People With No Credit
In general, secured credit cards offer good approval odds to people with limited or no credit. They're designed for rebuilding credit, after all, and even people with bad credit scores can get approved. But even the best secured credit cards should only be a backup plan for people with no credit.
There are also unsecured credit cards for no credit with no deposit required. Student credit cards are the best deals, with $0 annual fees and more than 1% back on purchases. But other people with limited credit should be able to find a good offer, too. So, you might want to try for an unsecured card for no credit first and then settle for a secured card if you don't get approved.
Popular Secured Credit Cards from Our Partners
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Joshua Carter, Member
@josh_carter
They’re the same as the best for bad credit…Discover, Capital One, US Bank, etc.
Stella Murphy, Member
@stella_m_dsg
Anything with rewards and no annual fee would work well, but a secured card should be your backup plan. Try a no-deposit beginner card like petal first, then consider Discover/Cap 1/BofA secured if you get turned down.
Isabella Clark, Member
@izzy_clark
Discover is probably the best secured, sure, but why go secured when you have no credit? Unless you mean BAD credit?
If you don’t have a credit report yet, you can get a starter card like Capital One Platinum (unsecured version).
Grace PP, Member
@gracefully_p
I’ll second the Discover it Secured Card recommendation! It has amazing rewards. It doesn’t have to cost you a thing long term. And it’s easy to get.
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read full answer by Maria Adams, Credit Cards ModeratorWhat are the best easy approval secured credit cards?
The best easy approval secured card is the opensky® Plus Secured Visa® Credit Card because it does not require a credit check, it reports to the credit bureaus, and it has a $0 annual fee. To qualify, you will need to be 18+ years old and earn enough income to afford a $300+ security deposit, plus monthly bill payments.
Best Easy Approval Secured Credit Cards
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The opensky® Plus Secured Visa® Credit Card is the easiest secured credit card to get since no credit check is required when you apply. You can get approved whether you have bad credit or no credit, and you won't have to pay an annual fee, making this card a great option for improving your credit score.
Easiest Secured Credit Cards to Get
- opensky® Plus Secured Visa® Credit Card: No Annual Fee & No Credit Check
- opensky® Secured Visa® Credit Card: No Credit Check
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