Best Secured Credit Cards for Rebuilding Credit in 2025
Best Secured Credit Cards for Rebuilding Credit in 2025
Looking to fix your credit in 2025? Secured credit cards are a great way to rebuild your credit history, especially if you’ve been denied unsecured cards. These cards require a deposit but offer real opportunities to strengthen your credit score when used wisely.
What Is a Secured Credit Card?
A secured credit card works like a traditional card, but you provide a refundable security deposit—usually between $200 and $500—which acts as your credit limit. Most secured cards report to all three credit bureaus, helping you build a positive payment history.
Top 5 Secured Credit Cards in 2025
1. Discover it® Secured Credit Card
- Cashback rewards (2% on gas and dining)
- No annual fee
- Free FICO score every month
2. Capital One Platinum Secured
- Deposits start as low as $49
- Auto-consideration for unsecured upgrade
- No annual fee
3. Chime Credit Builder Visa®
- No interest or annual fee
- Doesn’t require a credit check
- Requires a Chime Spending Account
4. OpenSky® Secured Visa®
- No credit check
- Reasonable annual fee ($35)
- Build credit with consistent payments
5. Citi® Secured Mastercard®
- Reports to all three bureaus
- Minimum deposit: $200
- Great for disciplined spending
Final Tips
To get the most out of a secured card, use it regularly, keep your utilization below 30%, and pay your balance in full each month. After 6–12 months of good behavior, you may qualify for an upgrade to an unsecured card.
Want more credit-repair tips? Follow our blog every week for fresh insights into smart financial moves in 2025 and beyond.
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