Adrian Kaplan, WalletHub Credit Card Consultant
@kaplanlier11
The best pre-approved secured credit card is the Capital One Quicksilver Secured Cash Rewards Credit Card. You can check for pre-approval on the Capital One website, and Capital One Quicksilver Secured has a $0 annual as well as generous rewards. Cardholders can earn 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel, and 1.5% cash back on all other purchases.
Keep in mind that getting pre-approved for a secured credit card doesn’t mean you’re guaranteed approval. But your chances of getting approved are very high if you apply.
Best Pre-Approved Secured Credit Cards
- Details, Rates & Fees Cash Rewards: Capital One Quicksilver Secured Cash Rewards Credit Card
- Gas, Groceries & Telecom: Credit One Bank® Secured Card
- No Credit Check and No Annual Fee: opensky® Plus Secured Visa® Credit Card
- Details, Rates & Fees Partially-Secured: Capital One Platinum Secured Credit Card
- No Credit Check: opensky® Secured Visa® Credit Card
- Cash Rewards: Capital One Quicksilver Secured Cash Rewards Credit Card
- Gas, Groceries & Telecom: Credit One Bank® Secured Card
- No Credit Check and No Annual Fee: opensky® Plus Secured Visa® Credit Card
- Partially-Secured: Capital One Platinum Secured Credit Card
- No Credit Check: opensky® Secured Visa® Credit Card
For more options, check out WalletHub’s guide to preapproved credit cards, as well as our picks for the easiest credit cards to get.
Popular Secured Credit Cards from Our Partners
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No Credit Check
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Partially Secured
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Rewards
People also ask
How long does it take to build credit with a secured credit card?
You can start building credit with a secured credit card in as little as one to six months, but it can take many months or even years to build a consistently good or excellent credit score. The length of time also depends on whether you’re building credit from nothing or rebuilding damaged credit.
Providing an accurate estimate of how long it takes to build credit with a secured credit card can be challenging without considering individual...
read full answer by WalletHub, Financial CompanyWhat banks offer secured credit cards?
Capital One is the best bank for secured credit cards as it has multiple cards with $0 fees and low security deposits. You can choose between the Capital One Platinum Secured Credit Card (see details, rates & fees) and the Capital One Quicksilver Secured Cash Rewards Credit Card (see details, rates & fees), both of which are among the best secured cards overall.
Banks That Offer Secured Credit Cards
- Bank of America: BankAmericard® Secured Credit Card
- Capital One: Capital One Platinum Secured Credit Card (see details, rates & fees)
- Citibank: Citi® Secured Mastercard®
- PNC Bank: PNC Bank Secured Credit Card
- Truist Bank: Truist Enjoy Cash Secured Credit Card
- USAA: USAA® Secured Visa Platinum® Card
- U.S. Bank: U.S. Bank Secured Visa® Card
A number of smaller banks...
read full answer by WalletHub, Financial CompanyCan 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 enough income to pay the bills. You could also be denied if you have major negative items on your credit report, such as a bankruptcy.
Other common reasons you’d be denied for a secured card might be incomplete...
read full answer by Chip Lupo, Credit Card WriterDid we answer your question?
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