Build credit with a card that reports to credit rating agencies.
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.
Our pick for building credit
Applied Bank® Secured Visa® Gold Preferred® Credit Card
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
- $48 annual fee
- 9.99% fixed APR on purchases
- Credit limit up to $1,000 depending on deposit
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.
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:
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.
Are there secured cards with no annual fee that report to all three credit rating bureaus?
You’re in luck if you’re looking for a secured credit card with no annual fee that can help you build your credit. Check out one of these three cards to be sure that your spending and account activity will be relayed to the three major bureaus.
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.