Compare secured credit cards that report to all three credit bureaus

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

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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.

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.

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
OpenSky® Secured Visa® Credit Card
Starting at $200
19.14% variable
$35
300
A secured Visa® credit card that helps you build your credit quickly.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Starting at $200
9.99% fixed
$48
300
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
CardMatch™ from creditcards.com
See terms
See issuer's website
See terms
300
Can't decide on a card? Get personalized credit card offers with CardMatch™.
Capital One® Secured Mastercard®
$49, $99 or $200
26.99% variable
$0
300
Get access to a higher credit line after making your first 5 monthly payments on time.
Green Dot primor® Visa® Classic Secured Credit Card
Starting at $200
13.99% fixed
$39
300
Open a personal savings deposit account to secure a credit line from $200 to $5,000.

Compare up to 4 providers

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.

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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?

    • 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

  2. Default Gravatar
    johnOctober 11, 2018

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

    • Avatarfinder Customer Care
      AshOctober 12, 2018Staff

      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

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