Best Secured Credit Cards
Secured credit cards ranked by Net Annual Value.
A secured card's real value is graduation to unsecured. Check whether each card converts before you apply. NAV is only part of the answer here.
Each card's value is determined by what it earns you minus what it costs.
Spending
An assumed average split of your total, from typical U.S. household spending. Switch to Itemized to enter your own.
$2,500/mo · $30,000/yr
Click any card to see its full breakdown.
| # | Card | NAV | Cashback | Credits | Interest | Fee | ||
|---|---|---|---|---|---|---|---|---|
| 2 |  | Bank of America Points | $450 | $450 | — | $0 | $0 | |
| 3 |  | Bank of America Cash | $450 | $450 | — | $0 | $0 | |
| 4 |  | Bank of America Points | $450 | $450 | — | $0 | $0 | |
| 5 |  | U.S. Bank Points | $393 | $378 | $15 | $0 | $0 | |
| 6 |  | Bank of America Cash | $381 | $381 | — | $0 | $0 | |
| 7 |  | U.S. Bank Cash | $317 | $317 | — | $0 | $0 | |
| 8 | Old National Bank | $300 | $300 | — | $0 | $0 | ||
| 9 |  | Huntington Cash | $290 | $300 | — | $0 | $10 | |
| 10 |  | First Citizens Cash | $271 | $300 | — | $0 | $29 |