Secured credit cards are designed for beginners or people rebuilding credit. They require a refundable security deposit, which becomes your credit limit. This protects the bank while letting you establish credit responsibly.
Safe way to start credit if you have low/no score
Helps build a positive payment history
Often upgradeable to an unsecured card after responsible use
Cash back rewards
Automatic upgrade review
No annual fee
Low refundable deposit
Reports to all three bureaus
Beginner-friendly
No credit check
Simple monthly usage
Low annual fee
Treat it like a regular credit card
Pay the balance in full each month
Keep utilization below 30%
Watch your credit score for improvement
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