Best Secured Credit Cards for 2025: Building Credit While Earning Rewards

As we step into 2025, the secured credit card landscape has evolved to offer more competitive rewards and features than ever before. Secured cards, which require a security deposit equal to your credit limit, are an excellent option for those looking to build or rebuild their credit while enjoying cash back, points, or other perks. Let's explore the best secured credit cards for 2025 and how they stack up against their unsecured counterparts.



1. Discover it® Secured Credit Card
- Cash back: 2% at gas stations and restaurants on up to $1,000 in combined purchases each quarter, then 1%. Plus, unlimited 1% cash back on all other purchases.
- Welcome bonus: Discover will match all the cash back you've earned at the end of your first year.
- Annual fee: $0
- Intro APR: N/A on purchases
- Regular APR: 28.24% Variable
- Credit needed: New / Rebuilding

The Discover it® Secured Credit Card offers a competitive cash-back program and a generous welcome bonus, making it an excellent choice for those looking to build credit while earning rewards. Its 2% cash back on gas and restaurant purchases, along with unlimited 1% cash back on all other purchases, is comparable to many unsecured cash-back cards. Additionally, Discover will match all the cash back you've earned at the end of your first year, providing an extra incentive to use the card responsibly.

1. Capital One Quicksilver Secured Cash Rewards Credit Card
- Cash back: 1.5% on all purchases
- Welcome bonus: No current offer
- Annual fee: $0
- Intro APR: N/A
- Regular APR: 29.99% Variable
- Credit needed: No credit history

The Capital One Quicksilver Secured Cash Rewards Credit Card offers a flat 1.5% cash back on all purchases, which is competitive with many unsecured cash-back cards. While it does not have a welcome bonus, its low deposit options and no annual fee make it an attractive choice for those looking to build credit with a low initial investment.



1. U.S. Bank Cash+® Visa® Secured Card
- Cash back: 2% on two categories of your choice (e.g., gas, groceries, or restaurants) and 1% on all other eligible purchases
- Welcome bonus: No current offer
- Annual fee: $0
- Intro APR: N/A
- Regular APR: 29.99% Variable
- Credit needed: No credit history

The U.S. Bank Cash+® Visa® Secured Card offers tiered cash back, allowing cardholders to choose two categories where they'll earn 2% cash back and earn 1% on all other eligible purchases. This is comparable to many unsecured cash-back cards that offer rotating or tiered categories. While it does not have a welcome bonus, its low deposit options and no annual fee make it an attractive choice for those looking to build credit while earning rewards.

In conclusion, secured credit cards in 2025 offer competitive rewards and features, making them an attractive option for those looking to build or rebuild their credit while enjoying cash back, points, or other perks. The Discover it® Secured Credit Card, Capital One Quicksilver Secured Cash Rewards Credit Card, and U.S. Bank Cash+® Visa® Secured Card are all excellent choices for those looking to build credit while earning rewards. As you consider your options, be sure to weigh the rewards, fees, and interest rates to find the best fit for your financial goals and credit needs.