Compare secured cards that report to credit bureaus | finder.com
Hand holding two cards

Secured credit cards that report to all three credit bureaus

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Be confident your secured card reports to all three credit rating agencies.

Here’s a little-known fact: Not all secured credit cards are created equal.

If you’re looking for a secured credit card, chances are you’re eager to build your credit from scratch or rebuild it from a low score. But in order to build that credit you need two things:

  • To be responsible and prove to the world you can pay your balance on time.
  • To use a secured credit card that reports your credit activity to the three major credit bureaus.

The first part rests in your hands, but did you know that not all secured cards report to the three major credit bureaus? The only way you can start paving your path to a higher score is if the credit bureaus see you’ve been responsible with your credit.

Editor's Pick: Applied Bank® Secured Visa® Gold Preferred® Credit Card

This secured card reports to all three credit bureaus and can help you rebuild your credit with an initial deposit of $200 to $1,000.

  • $48 annual fee
  • 9.99% APR on purchases
  • Up to 0 days interest free
Promoted

What are the three credit bureaus for secured credit cards?

There are probably hundreds of local and regional credit bureaus in the United States — in fact, each of the “big three” credit bureaus grew out of small local operations that grew until they became the large national rating agencies we’re familiar with today. The three main credit bureaus that you need to pay attention to for your secured credit card are:

    1. Equifax
    2. Experian
    3. TransUnion

    Compare secured credit cards reporting to all three credit rating bureaus

    Below are secured credit cards who report to the three big credit agencies. When you use these responsibly, these cards should help you on your road to better credit.

    Name Product Annual Fee APR (Annual Percentage Rate) for Purchases Minimum Credit Score
    $49
    10.49% variable
    300
    $48
    9.99% fixed
    300
    This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
    $35
    19.39% variable
    300
    A secured Visa® credit card that helps you build your credit quickly.
    $39
    17.99% fixed
    300
    Borrow up to $10,000 and get your credit score back on track.
    $49
    9.99% fixed
    300
    Fast, easy application process. No processing or application fees!
    $39
    13.99% fixed
    300
    Credit lines available from $200 to $5,000! You decide where you want to start and open your Personal Savings Deposit Account to secure your line.
    $29
    20.49% variable
    300
    $39
    14.49% variable
    580

    No minimum credit score

    No Credit History Required

    Compare up to 4 providers

    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.

    Secured credit card Annual fee Minimum deposit APR

    Discover it® Secured

    Discover it Secured Card

    $0 $200 24.99% variable

    Secured Card® from Capital One®

    Capital One Secured MasterCard

    $0 $49, $99 or $200 (depending on credit) 24.99%

    SDFCU Savings Secured Visa Platinum Card

    State Department Federal Credit Union Savings Secured Visa card

    $0 $250 13.99%

    Two other secured credit cards that get a nod from us and will report your credit activity are the SDFCU Savings Secured Visa Platinum Card and the Citi® Secured Mastercard®.

    Frequently asked questions

    Was this content helpful to you? No  Yes

    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 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.

    2 Responses

    1. Default Gravatar
      johnOctober 11, 2018

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

      • finder 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

    Go to site