< path d="M52.6178 31.3114L44.7476 60.6733L74.1095 68.5435L81.9797 39.1816L52.6178 31.3114Z" fill="#F9C32D"/>

Finder makes money from featured partners, but editorial opinions are our own. Advertiser Disclosure

Compare secured credit cards that report to all three credit bureaus

Build credit with a card that reports to credit rating agencies.

Avatar
Steven Dashiell
Updated
Fact checked

Below are secured credit cards that report to the three big credit agencies. Use these responsibly and pay your bill in full each month and these cards should help you on your road to better credit. Use our table to compare your options. Select up to four cards and click "Compare" to see how their features stack up.

1 - 3 of 10
Name Product Filter values Minimum deposit required Purchase APR Annual fee Minimum Credit Score
Capital One Platinum Secured Credit Card
Capital One Platinum Secured Credit Card
$49, $99 or $200
26.99% variable
$0
New to credit
A no-annual-fee secured card that separates itself from the pack with a $200 credit limit after making a more affordable than average deposit of $49, $99 or $200.
Apply now
View details
OpenSky® Secured Visa® Credit Card
OpenSky® Secured Visa® Credit Card
Starting at $200
18.14% variable
$35
300
Apply for this card with no credit check if you're new to credit or have bad credit.
Apply now
View details
Self Visa® Credit Card
Self Visa® Credit Card
Starting at $100
24.24% variable
$25
300
Build your credit with a low minimum security deposit of $100 and no credit score required.
Apply now
View details
loading

Compare up to 4 providers

We compare the following brands

View more
Start comparing

If you’re looking to rebuild your credit from scratch or rebuild your credit from a low score, a secured credit card is a great tool. However, not all secured credit cards report to all three major credit bureaus — secured credit cards that don’t are less effective than others at helping you build credit.

Compare these secured cards that report to all three credit bureaus to find a card that can help you grow your credit as fast as possible.

What are the three credit bureaus for secured credit cards?

There are hundreds of local and regional credit bureaus in the United States, with three major players monitoring a majority of US credit information. The three main credit bureaus to pay attention to for your secured credit card are:

  1. Equifax
  2. Experian
  3. Transunion

How do I know if a secured credit card reports to all three credit bureaus?

You can expect most major credit card companies to report to all three credit bureaus. However, this isn’t a requirement and some smaller lenders might report to just one or two of the three major players.

Unfortunately, the only way to know for sure if your secured credit card reports to all three bureaus is to request your credit report from each bureau. You can request one free credit report from each bureau every year.

You might also contact your credit lender to ask if they report to all three bureaus or request that they report to a particular bureau.

Bottom Line

It doesn’t matter how properly you use your secured credit card if that secured card doesn’t report to the credit bureaus required for improving your credit. Maximize your chances for credit recovery by choosing a secured credit card that reports to all three credit bureaus. And if you want to learn more about secured credit cards and how they can help you build credit, check out our secured credit cards guide.

Frequently asked questions

More guides on Finder

    Ask an Expert

    You are about to post a question on finder.com:

    • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
    • finder.com is a financial comparison and information service, not a bank or product provider
    • We cannot provide you with personal advice or recommendations
    • Your answer might already be waiting – check previous questions below to see if yours has already been asked

    Finder.com provides guides and information on a range of products and services. Because our content is not financial advice, we suggest talking with a professional before you make any decision.

    By submitting your comment or question, you agree to our Privacy and Cookies Policy and finder.com Terms of Use.

    Questions and responses on finder.com are not provided, paid for or otherwise endorsed by any bank or brand. These banks and brands are not responsible for ensuring that comments are answered or accurate.

    4 Responses

    1. Default Gravatar
      AnonymousJanuary 27, 2019

      Hi. I would like to know if I put my husband as a “secondary card holder” will it affect his and my credit scores?

      Reply
      • Avatarfinder Customer Care
        JhezJanuary 28, 2019Staff

        Hello,

        Thank you for your comment.

        Because a secondary cardholder is not technically responsible for paying the bills, being an authorized user may not have a huge impact on your credit score. But it helps those with little or no credit history beef up their credit files if the card issuer reports authorized users to the credit bureaus.

        Additionally, by simply adding authorized users to your credit card accounts will not have a negative effect on your credit report or credit scores. It’s their behaviour that could affect your credit. But their name, and the fact that you’ve added them as an authorized user will not show up your report.

        I hope this helps.

        Regards,
        Jhezelyn

        Reply
    2. Default Gravatar
      johnOctober 11, 2018

      i am looking for sercured cards with no fees and report to all 3 credit angencys

      Reply
      • Default Gravatar
        AshOctober 12, 2018

        Hi John,

        Thank you for contacting finder.

        You are on the correct page as listed on the table are the Secured Credit Cards that reports to the 3 Major Credit Bureaus. You may also compare the Secured Credit Cards that has No Annual Fee which can help you build your credit.

        Before applying for a loan, please ensure that you meet the eligibility criteria and requirements of the lender and read the loan details, as well as the relevant PDS/ T&Cs before making a decision. After which, consider whether the product or option is right for you and your needs.

        Once you have decided on the suited loan for your needs, you may click on the green ‘Go to site’ button to submit your application or know more about the loan offer.

        I hope this helps.

        Please do not hesitate to reach out again to us for any additional inquiries.

        Cheers,
        Ash

        Reply
    Go to site