Compare secured credit cards that report to all three credit bureaus

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.

Compare secured credit cards reporting to all three credit rating bureaus

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.

Sort by:

Name	Product	Filter values	Minimum deposit required	Purchase APR	Annual fee	Recommended minimum credit score
Citi® Secured Mastercard®			Starting at $200	22.49% variable	$0	New to credit	A no annual fee secured card for people who are new to credit or have limited credit history.	Apply now View details	Compare	loading Fetching your data...
Applied Bank® Secured Visa® Gold Preferred® Credit Card			Starting at $200	9.99% fixed	$48	300	No credit check is required for this secured card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases.	Apply now View details	Compare	loading Fetching your data...
Self Visa® Credit Card			Starting at $100	21.74% variable	$25	300	Build your credit with a low minimum security deposit of $100 and no credit score required.	Apply now View details	Compare	loading Fetching your data...

loading

Prev

1 2 3 4

Next

Compare up to 4 providers

Clear selection

Compare

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

• Why don't all cards report to the major credit agencies?

  Under law, lenders aren’t required to report your credit activity.

• How do I find out if my card reports to those agencies?

  Most lenders will report this information on their website, but if you’re unsure, just call and ask.

• Why is reporting to the three major credit bureaus important for a secured card user?

  A secured card user relies heavily on the lender reporting account activity to the major bureaus so that they can prove their creditworthiness. By making on time payments and paying off the balance each month, the credit score can rise and make the borrower eligible for an unsecured credit card.