Best Secured Credit Cards With No Annual Fee

Answer Capsule

The Capital One Platinum Secured Credit Card is the consensus leader for consumers rebuilding credit who want a secured card with no annual fee, named by all seven AI platforms studied with an average listed rank of 1.71 and a best rank of 1. The Discover it Secured Credit Card is the strongest alternative for buyers who want cash-back rewards and a documented graduation path, though one platform reported a temporary application pause. The Chime Credit Builder Secured Visa Credit Card suits buyers who want no minimum deposit and no interest charges but requires a Chime Checking Account. This study analyzed responses from seven AI platforms—OpenAI, Anthropic, DeepSeek, Grok, Perplexity, Kimi, and Google—which named 14 unique entities, of which 9 qualified by being mentioned by at least two platforms. The principal limitation is that platform recommendations reflect analysis of publicly available information, not independent product testing or verified customer experience.

Research Snapshot

Topic: Best Secured Credit Cards With No Annual Fee for consumers rebuilding credit who want to minimize ongoing costs.

Target buyer: Consumers rebuilding credit who want to minimize ongoing costs with a secured card that charges no annual fee.

Platforms included: OpenAI, Anthropic, DeepSeek, Grok, Perplexity, Kimi, Google (7 platforms).

Research date: 2026-09-07.

Number of unique entities named: 14.

Number of qualifying entities: 9.

Eligibility rule: Named by at least two platforms during ranking discovery.

The Consensus Ranking

Which Option Is Best for Which Version of the Buyer Need?

1. Capital One Platinum Secured Credit Card

Verdict: The Capital One Platinum Secured Credit Card is the consensus leader for consumers rebuilding credit who want a no-annual-fee secured card. All seven AI platforms named it during ranking discovery, giving it a 100% platform share with an average listed rank of 1.71 and a best rank of 1. Six of seven platforms rated it a "strong" fit, while one rated it a "good" fit.

Why it ranked here: The card combines a $0 annual fee with a possible minimum refundable security deposit of $49, $99, or $200 for a $200 starting credit line, which lowers both ongoing and upfront costs. Capital One states the card reports to Equifax, Experian, and TransUnion. The primary limitation is the high variable purchase APR, reported at 28.99% by multiple sources and 29.99% by one source.

Best suited for: Cost-conscious credit builders who plan to pay their balance in full each month, applicants who may qualify for a lower deposit tier, and consumers who want three-bureau reporting.

Main strengths: $0 annual fee confirmed by all seven platforms; possible low minimum deposit of $49; three-bureau reporting; potential graduation review in as little as six months; no foreign transaction fee reported by four platforms.

Main limitations: High variable APR makes carrying a balance expensive; no rewards on the Platinum Secured product; graduation is not guaranteed.

Pricing summary: $0 annual fee; security deposit of $49, $99, or $200 for a $200 credit line (approval-dependent); purchase APR of 28.99% variable (multiple sources) or 29.99% (one source); no foreign transaction fee; late payment fee up to $40; cash advance fee of 5% with $5 minimum.

Where platforms disagreed: Platforms conflicted on the exact APR figure (28.99% vs. 29.99%), the deposit range ($49–$200 vs. $200–$2,500), and which Capital One product is most relevant. DeepSeek evaluated the Capital One Quicksilver Secured Cash Rewards Credit Card instead, which offers 1.5% cash back.

Capital One Platinum Secured Credit Card

2. Chime Credit Builder Secured Visa Credit Card

Verdict: The Chime Credit Builder Secured Visa Credit Card is a good-to-strong fit for consumers rebuilding credit who want to minimize ongoing costs, provided they accept the Chime banking ecosystem. All seven AI platforms named the card during ranking discovery, and five of seven rated it "strong" or "good" for this specific purpose.

Why it ranked here: Chime advertises no annual fee, no interest charges, and no minimum security deposit, with reporting to all three major credit bureaus. The card requires a Chime Checking Account and has no clearly documented graduation path to an unsecured card.

Best suited for: Consumers who want to avoid all ongoing fees, applicants who prefer no locked-up security deposit, and users who want automated repayment through the "Safer Credit Building" feature.

Main strengths: No annual fee, no interest, no late fees, and no foreign transaction fees; no minimum security deposit; no credit check required; three-bureau reporting confirmed by six platforms.

Main limitations: Requires a Chime Checking Account; no documented graduation path; does not report credit utilization because it has no preset credit limit; account closure is irreversible.

Pricing summary: $0 annual fee; no stated interest charges; no minimum security deposit; $2.50 out-of-network ATM withdrawal fee reported by one platform; rewards limited to premium membership tiers.

Where platforms disagreed: Platforms disagreed on product naming (Credit Builder vs. Chime Card), whether the product is truly "secured," and overall fit rating, which ranged from "uncertain" to "strong."

Chime Credit Builder Secured Visa Credit Card

3. Discover it Secured Credit Card

Verdict: The Discover it Secured Credit Card is a strong fit for U.S. consumers rebuilding credit who want a secured card with no annual fee, three-bureau reporting, and a potential path to an unsecured card. Six of seven AI platforms named it during ranking discovery, and five of seven rated it a "strong" fit.

Why it ranked here: The card combines a $0 annual fee with cash-back rewards and automatic graduation reviews, which is uncommon among secured cards. Its average listed rank of 1.17 is the best among all qualifying entities, though it was named by six platforms rather than seven.

Best suited for: Consumers who want a secured card with a $0 annual fee, applicants seeking three-bureau reporting, and consumers who value cash-back rewards on a secured card.

Main strengths: $0 annual fee confirmed by all seven platforms; 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases per quarter; 1% on all other purchases; automatic graduation reviews; no foreign transaction fees.

Main limitations: One platform reported applications paused since June 2, 2026, with a planned relaunch later in 2026; high variable APR; $200 minimum deposit reported by most platforms.

Pricing summary: $0 annual fee; minimum security deposit of $200 (most platforms) with maximum of $2,500; purchase APR reported between 13.49% and 28.49% depending on source; no foreign transaction fee; late payment fee up to $41 with first late payment waived.

Where platforms disagreed: Platforms conflicted on application availability, minimum deposit amount ($200 vs. $49/$99/$200), APR figures, graduation timeline (6, 7, or 8 months), and balance transfer fees.

Discover it Secured Credit Card

4. Bank of America Customized Cash Rewards Secured Credit Card

Verdict: The Bank of America Customized Cash Rewards Secured Credit Card is a strong but not fully verified fit for consumers rebuilding credit who want a no-annual-fee secured card. Six of seven AI platforms named it during ranking discovery, with an average rank of 3.5 and a best rank of 3.

Why it ranked here: The card combines a $0 annual fee with cash-back rewards and three-bureau reporting, which is uncommon among secured cards. The main limitation is verification risk: one platform could not confirm the rewards-named product exists, and several decision-critical terms were not consistently confirmed.

Best suited for: Consumers who want cash-back rewards on a secured card, existing Bank of America customers who value integration with their banking ecosystem, and applicants who can afford a $200 or higher security deposit.

Main strengths: $0 annual fee universally confirmed; 3% cash back in a chosen category, 2% at grocery stores and wholesale clubs, and 1% on other purchases; three-bureau reporting reported by five platforms; possible graduation path.

Main limitations: High variable APR of approximately 27.49% to 28.49%; 3% foreign transaction fee; product identity conflict between Customized Cash Rewards Secured and BankAmericard Secured.

Pricing summary: $0 annual fee; security deposit of $200 to $5,000; variable purchase APR of approximately 27.49% to 28.49%; 3% foreign transaction fee; 3% to 4% balance transfer fee.

Where platforms disagreed: Platforms disagreed on product identity, fit ratings (ranging from "strong" to "uncertain"), APR figures, rewards rates, and security deposit maximum.

Bank of America Customized Cash Rewards Secured Credit Card

5. U.S. Bank Cash+ Secured Visa Card

Verdict: The U.S. Bank Cash+ Secured Visa Card is a reasonable but not universally endorsed fit for consumers seeking a no-annual-fee secured credit card. Six of seven AI platforms named the card during ranking discovery, and fit ratings split across the spectrum: three platforms rated it "strong," two rated it "good," and two rated it "uncertain."

Why it ranked here: The card's rewards structure—up to 5% cash back in selectable categories on a secured product—is uncommon, combined with a $0 annual fee and three-bureau reporting. The main limitation is the high variable APR and a $300 minimum security deposit.

Best suited for: Consumers rebuilding credit who can fund a $300 or higher security deposit, plan to pay statement balances in full, and want cash-back rewards while building credit.

Main strengths: $0 annual fee confirmed by all seven platforms; up to 5% cash back in two chosen categories; three-bureau reporting confirmed by six platforms; possible graduation to unsecured U.S. Bank Cash+ Visa Signature Card.

Main limitations: High variable APR of approximately 28.49% to 30.49%; $300 minimum deposit exceeds some competitors; 3% foreign transaction fee; graduation policy not transparently documented.

Pricing summary: $0 annual fee; security deposit of $300 to $5,000 (one platform reported $500 minimum); purchase APR of approximately 28.49% to 30.49%; 3% foreign transaction fee; late payment fee up to $41.

Where platforms disagreed: Platforms disagreed on graduation potential, security deposit minimum ($300 vs. $500), APR figures, and whether late payment fees exist.

U.S. Bank Cash+ Secured Visa Card

6. OpenSky® Secured Visa® Card

Verdict: The OpenSky® Secured Visa® Card is a conditional good fit for consumers seeking a no-annual-fee secured credit card, but only if the buyer selects the OpenSky Plus Secured Visa variant. Four of seven AI platforms named the card during ranking discovery, and four of seven rated it "good" for this use case.

Why it ranked here: The OpenSky Plus version charges $0 annual fee and reports monthly to all three major credit bureaus without requiring a credit check. The main limitation is product confusion: the standard OpenSky Secured Visa charges a $35 annual fee.

Best suited for: Consumers with poor, damaged, or no credit history who cannot pass a standard credit check, applicants without a traditional bank account, and credit rebuilders who prioritize no annual fee and three-bureau reporting.

Main strengths: $0 annual fee on the Plus variant; no credit check required with approximately 89% advertised approval rate; monthly reporting to all three bureaus; no bank account required for deposit funding.

Main limitations: Standard card charges $35 annual fee; high variable APR of approximately 28.24% on the Plus version; $300 minimum deposit; no clearly documented automatic graduation path.

Pricing summary: $0 annual fee on OpenSky Plus; $35 annual fee on standard card; minimum deposit of $300 for Plus ($200 for standard); variable purchase APR of approximately 28.24%; 3% foreign transaction fee; late payment fee up to $40–$41.

Where platforms disagreed: Platforms conflicted on which product has no annual fee, minimum deposit amounts ($200 vs. $300), APR figures (18.9% to 28.99%), and fit ratings.

OpenSky® Secured Visa® Card

7. Citi Secured Mastercard

Verdict: The Citi Secured Mastercard is a reasonable but not top-tier fit for consumers rebuilding credit who want a no-annual-fee secured card. Four of seven AI platforms named it during ranking discovery, and five of seven rated it a "good" or "strong" fit for this specific use case.

Why it ranked here: The card offers a confirmed $0 annual fee, monthly reporting to all three major credit bureaus, and a structured graduation review process beginning at nine months. The main limitations are a high variable purchase APR, no rewards program, and a 3% foreign transaction fee.

Best suited for: Consumers who prioritize no annual fee, can afford a $200+ security deposit, plan to pay in full each month, and value a structured graduation review process.

Main strengths: $0 annual fee confirmed by all seven platforms; three-bureau reporting confirmed by six platforms; graduation review starting at 9 months; free FICO score access; Citi Mobile App account management.

Main limitations: High variable APR of approximately 25.99% to 26.74%; no rewards program; 3% foreign transaction fee; $200 minimum deposit.

Pricing summary: $0 annual fee; security deposit of $200 to $2,500 in $100 increments; purchase APR of approximately 25.99% to 26.74% variable; 3% foreign transaction fee; late payment fee up to $41; cash advance fee of 5% with $10 minimum.

Where platforms disagreed: Platforms conflicted on fit ratings, APR values (25.99% vs. 28.24%–36.24%), graduation policy certainty, and whether a foreign transaction fee exists.

Citi Secured Mastercard

8. Self Visa Credit Card

Verdict: The Self Visa Credit Card is a weak-to-mixed fit for consumers specifically seeking a secured credit card with no annual fee. Four of seven AI platforms named it during ranking discovery, with an average listed rank of 8.25 and a best rank of 7.

Why it ranked here: The card fails the central test of this use case: it is not permanently no-annual-fee. Public sources consistently indicate a $0 annual fee only for the first year, followed by a $25 annual fee thereafter, plus a required Self Credit Builder Account relationship with its own fees.

Best suited for: Consumers who specifically want a combined credit-builder installment account and secured card, applicants with very limited funds for a security deposit, and consumers who want to avoid a hard credit check.

Main strengths: Low $100 minimum security deposit; three-bureau reporting; no hard credit check required; combined installment and revolving credit activity in one ecosystem.

Main limitations: $25 annual fee after year one; required Credit Builder Account carries administrative and monthly fees; high variable APR; no confirmed automatic graduation path.

Pricing summary: $0 annual fee for year one, $25 thereafter; $100 minimum security deposit; variable purchase APR of 24.24% to 29.99% depending on source; administrative fee of approximately $9–$15; monthly Credit Builder Account fee of approximately $6–$25.

Where platforms disagreed: Platforms conflicted on the annual fee structure (one platform reported $0 without noting year-two fee), APR figures, security deposit mechanics, and fit ratings.

Self Visa Credit Card

9. Navy Federal Credit Union nRewards Secured Credit Card

Verdict: The Navy Federal Credit Union nRewards Secured Credit Card is a conditional fit for consumers seeking a no-annual-fee secured card. Three of seven AI platforms named it during ranking discovery, with an average listed rank of 7.33 and a best rank of 3.

Why it ranked here: The card combines a $0 annual fee with rewards earning—unusual for secured cards—plus a relatively competitive 18.00% variable APR. The main limitation is access: Navy Federal membership is restricted to military-affiliated individuals, veterans, Department of Defense personnel, and qualifying family members.

Best suited for: Military-affiliated consumers rebuilding credit who are eligible for Navy Federal membership, eligible members who want no annual fee and rewards, and consumers who can afford a $200 minimum security deposit.

Main strengths: $0 annual fee confirmed by all seven platforms; rewards earning reported by six platforms; 18.00% variable APR reported by three platforms; no foreign transaction fee; deposit earns dividends.

Main limitations: Membership restricted to military-affiliated individuals; legacy nRewards product reportedly discontinued for new applications in April 2025 and replaced by cashRewards Secured; three-bureau reporting not verified by four platforms.

Pricing summary: $0 annual fee; security deposit of $200 to $5,000; 18.00% variable APR; no foreign transaction fee; no balance transfer fee; late payment fee up to $20.

Where platforms disagreed: Platforms conflicted on product availability and naming, overall fit rating, whether three-bureau reporting is confirmed, graduation terms, and APR disclosure.

Navy Federal Credit Union nRewards Secured Credit Card

What the Cross-Platform Study Reveals About This Market

The no-annual-fee secured credit card market is characterized by significant product differentiation despite a common fee structure. All nine qualifying entities charge no annual fee, but they diverge sharply on deposit requirements, rewards, APR, and graduation paths.

The most important market finding is that no single card dominates across all buyer needs. The Capital One Platinum Secured Credit Card leads on platform consensus and low deposit entry points, while the Discover it Secured Credit Card leads on rewards and graduation documentation. The Chime Credit Builder offers a fundamentally different structure that eliminates deposits and interest but requires a banking relationship.

A second finding is that rewards on secured cards are becoming more common. Five of the nine qualifying entities—Discover it Secured, Bank of America Customized Cash Rewards Secured, U.S. Bank Cash+ Secured, Navy Federal nRewards Secured, and the Capital One Quicksilver Secured variant—offer some form of cash back or points. This represents a shift from the traditional view of secured cards as bare-bones credit-building tools.

A third finding is that APRs across the category are uniformly high, typically ranging from approximately 18% to 30% variable. This makes carrying a balance expensive on every qualifying card, and multiple platforms across multiple entities explicitly warned against revolving balances.

A fourth finding is that graduation paths vary widely in documentation and certainty. Discover and Capital One were most frequently cited for documented graduation reviews, while Chime, OpenSky, and Self were noted for lacking clear automatic graduation paths.

Where the AI Platforms Agreed

No annual fee is the defining feature. All seven platforms confirmed the $0 annual fee for Capital One Platinum Secured, Chime Credit Builder, Discover it Secured, Bank of America Customized Cash Rewards Secured, U.S. Bank Cash+ Secured, Citi Secured Mastercard, and Navy Federal nRewards Secured. This was the most consistently verified feature across all entities.

Three-bureau reporting is widely expected. Most platforms confirmed reporting to Equifax, Experian, and TransUnion for Capital One Platinum Secured, Chime Credit Builder, Discover it Secured, Bank of America Customized Cash Rewards Secured, U.S. Bank Cash+ Secured, OpenSky Plus, Citi Secured Mastercard, and Self Visa Credit Card.

High APRs are a universal limitation. Every platform that discussed APR noted that carrying a balance on any of these secured cards would be expensive. Reported APRs ranged from approximately 18% to 30% variable across the qualifying entities.

Security deposits are refundable. All platforms agreed that security deposits across the category are refundable upon account closure in good standing or graduation to an unsecured card.

Rewards are a distinguishing feature. Platforms consistently noted that cash-back rewards on secured cards are uncommon and represent a meaningful differentiator for cards that offer them.

Where the AI Platforms Disagreed

Product availability conflicts. The most significant disagreement concerned whether the Discover it Secured Credit Card is currently accepting applications. Grok reported applications paused since June 2, 2026, citing an independent U.S. News article, while the other six platforms did not mention any pause. Similar availability questions arose for the Bank of America Customized Cash Rewards Secured product and the Navy Federal nRewards Secured product.

Product identity conflicts. Platforms disagreed on which product within a brand's lineup is most relevant. DeepSeek evaluated the Capital One Quicksilver Secured instead of the Platinum Secured. OpenAI identified the BankAmericard Secured as the only verifiable Bank of America secured product. For OpenSky, four platforms identified the Plus variant as the no-fee product while one platform treated the standard card as no-fee.

APR figures varied widely. Across all entities, platforms reported conflicting APR figures. For example, Discover it Secured APRs ranged from 13.49% to 28.49% depending on the platform and research date. These conflicts likely reflect different research dates and product changes over time.

Deposit minimums were disputed. Platforms disagreed on minimum security deposits for several cards. For Capital One Platinum Secured, most platforms reported a $49–$200 tiered structure while one reported $200–$2,500. For Discover it Secured, most reported $200 while one reported $49/$99/$200. For U.S. Bank Cash+ Secured, platforms conflicted between $300 and $500 minimums.

Graduation timelines were inconsistent. Platforms reported graduation reviews at 6, 7, or 8 months for Discover it Secured, and at 3 and 6 months for Navy Federal nRewards Secured. Several platforms noted that graduation is not guaranteed and criteria are not publicly documented.

Fit ratings varied by platform. Individual platforms rated the same card differently based on their ability to verify terms. For example, Kimi rated the U.S. Bank Cash+ Secured as "uncertain" because its search results did not retrieve specific product information, while three other platforms rated it "strong."

How Buyers Should Choose

Buyers should first confirm which cards are currently accepting applications, as several platforms reported availability questions for Discover it Secured, Bank of America Customized Cash Rewards Secured, and Navy Federal nRewards Secured.

Second, buyers should determine their deposit capacity. The Capital One Platinum Secured offers the lowest potential entry point at $49 for some qualified applicants, while the Chime Credit Builder requires no minimum deposit. The Self Visa Credit Card offers a $100 minimum, and most other cards require $200 to $300.

Third, buyers should decide whether rewards matter. The Discover it Secured, Bank of America Customized Cash Rewards Secured, U.S. Bank Cash+ Secured, and Navy Federal nRewards Secured all offer cash back or points. The Capital One Platinum Secured and Citi Secured Mastercard offer no rewards.

Fourth, buyers should assess their APR risk. If there is any chance of carrying a balance, the Navy Federal nRewards Secured at 18.00% variable APR is the most competitive among qualifying entities, though it requires military affiliation. All other cards carry APRs above 25%.

Fifth, buyers should evaluate graduation paths. Discover and Capital One were most frequently cited for documented graduation reviews. Chime, OpenSky, and Self lack clearly documented automatic graduation paths.

Finally, buyers should verify all current terms directly with the issuer before applying. Platform-reported figures conflicted on APR, deposit minimums, fees, and graduation timelines across multiple entities.

Methodology

This study used one standardized prompt sent once to each of seven AI platforms: OpenAI, Anthropic, DeepSeek, Grok, Perplexity, Kimi, and Google. Each platform evaluated the no-annual-fee secured credit card use case against seven criteria: annual fee, security deposit requirement, three-bureau reporting, APR, other fees, graduation potential, and account-management features.

The research date for this study is 2026-09-07. Platform-reported research dates varied, with some platforms reporting earlier dates. These platform-reported dates are provenance metadata and do not independently prove freshness.

Entities qualified for detailed review by being named by at least two platforms during the ranking discovery stage. Fourteen unique entities were named, and nine qualified. The final ranking was determined by platform mentions, then average listed rank, then best listed rank.

Each platform's response included a fit assessment, pricing and terms analysis, use-case findings, and citations to supporting sources. These responses were synthesized to identify areas of agreement, disagreement, and uncertainty. The ranking statistics reflect how often each platform named the entity during the ranking discovery stage.

Methodology Limitations

Platform recommendations are not independent verification. The fact that multiple AI platforms rated a card favorably reflects their analysis of publicly available information, not independent testing or verified customer experience.

Platform-reported research dates differ. Some platforms reported research dates earlier than the authoritative run date of 2026-09-07. Terms, fees, and APR figures may have changed between these dates.

Source URLs were not independently validated. The URLs cited in this study were collected from platform responses and were not independently validated by the writer stage.

Company-owned sources predominate. Many core claims about card features—including no annual fee, deposit structure, and bureau reporting—come from issuer-owned product pages. These are company claims rather than independent verification.

Factual conflicts were not resolved by guessing. Where platforms disagreed on deposit amounts, APR, graduation timing, or fees, this study describes the conflict and directs buyers to verify current terms.

Product naming conflicts exist. Platforms referenced different product variants within the same brand, including Capital One Platinum Secured vs. Quicksilver Secured, OpenSky standard vs. Plus, and Navy Federal nRewards vs. cashRewards Secured.

AI answers can vary. AI answers can vary by date, wording, location, account state, model, interface, browsing configuration, and the sources retrieved.

Final Verdict

The Capital One Platinum Secured Credit Card is the consensus leader for consumers rebuilding credit who want a no-annual-fee secured card, based on unanimous naming by all seven AI platforms and the best average listed rank of 1.71. Its combination of a $0 annual fee, possible $49 minimum deposit, three-bureau reporting, and potential graduation path directly addresses the target buyer's core needs.

The Discover it Secured Credit Card is the strongest alternative for buyers who want cash-back rewards and a documented graduation path, though buyers must verify current application availability. The Chime Credit Builder Secured Visa Credit Card is the best choice for buyers who want no minimum deposit and no interest charges but can accept the Chime banking ecosystem.

Buyers who plan to pay their balance in full each month and want a straightforward, low-cost secured card from an established national issuer should strongly consider the Capital One Platinum Secured Credit Card. Those seeking rewards, the lowest possible APR, or guaranteed graduation should evaluate alternatives based on their specific priorities.

For a broader comparison of options in this category, explore the credit building rebuilding category directory.

Consolidated Sources

Company-Owned Sources

• Capital One Platinum Secured Credit Card: https://www.capitalone.com/credit-cards/platinum-secured/
• Capital One Quicksilver Secured Cash Rewards Credit Card: https://www.capitalone.com/credit-cards/quicksilver-secured/
• Capital One Credit Card Legal Documents: https://www.capitalone.com/credit-cards/legal-documents/
• Capital One Secured Visa Card - APR and Pricing: https://www.capitalone.com/credit-cards/secured/
• Capital One Platinum vs. Quicksilver: Card comparison: https://www.capitalone.com/learn-grow/money-management/platinum-vs-quicksilver/
• Capital One Help Center: https://www.capitalone.com/help-center/credit-cards/understanding-and-managing-secured-cards/
• Chime Credit Builder Secured Visa Credit Card: https://www.chime.com/credit-builder/
• Chime Card - Secured Credit Card: https://www.chime.com/credit-card/secured-card/
• Chime Card: https://www.chime.com/chime-card/
• Chime Credit: https://www.chime.com/credit/
• Chime Credit Card for No Credit: https://www.chime.com/credit-builder/credit-card-for-no-credit/
• Chime Deposit Account Agreement: https://www.chime.com/policies/deposit-account-agreement/
• Chime Fee Schedule: https://www.chime.com/policies/fee-schedule/
• Chime Help Center: https://help.chime.com/hc/en-us
• Chime Help Center - Credit Reporting: https://help.chime.com/account-security-00b00e5a/credit-scores-reporting-e341ecbf/when-does-chime-report-credit-builder-activity-370571fe
• Chime Help Center - What is Credit Builder: https://help.chime.com/what-is-credit-builder-603a5ae8
• Chime Blog - Credit Reporting: https://www.chime.com/blog/credit-builder-how-does-credit-reporting-work/
• Chime Blog - How Credit Reporting Works: https://www.chime.com/blog/how-credit-reporting-works-with-chime/
• Chime Blog - How to Build Credit: https://www.chime.com/blog/how-to-build-credit-with-chime/
• Discover it Secured Credit Card: https://www.discover.com/credit-cards/secured/
• Discover it Secured Credit Card: https://www.discover.com/credit-cards/secured-credit-card/
• Discover Credit Card Rates and Fees: https://www.discover.com/credit-cards/credit-card-rates-and-fees/
• Discover Secured Cardmember Agreement: https://www.discover.com/content/dam/discover/en_us/credit-cards/card-portfolio/docs/cma/Secured_Cardmember_Agreement_033126.pdf
• Bank of America Customized Cash Rewards Secured Credit Card: https://www.bankofamerica.com/
• Bank of America Customized Cash Rewards Secured Credit Card: https://www.bankofamerica.com/credit-cards/products/cash-back-secured-credit-card/
• Bank of America Customized Cash Rewards Secured Credit Card product page: https://www.bankofamerica.com/credit-cards/secured-credit-card/
• BankAmericard Secured Credit Card: https://www.bankofamerica.com/credit-cards/products/bankamericard-secured-credit-card/
• Bank of America Credit Card Agreement: https://www.bankofamerica.com/content/documents/creditcard/bank_of_america_customized_cash_rewards_secured_english.pdf
• Bank of America Credit Card Rates: https://www.bankofamerica.com/credit-cards/credit-card-rates/
• Bank of America Secured Credit Cards: https://www.bankofamerica.com/credit-cards/secured-credit-cards/
• Bank of America General Credit Card Information: https://www.bankofamerica.com/credit-cards/
• U.S. Bank Cash+ Secured Visa Card: https://www.usbank.com/credit-cards/cash-plus-secured-visa-card.html
• U.S. Bank Cash+ Secured Visa Card: https://www.usbank.com/credit-cards/cash-plus-secured-visa-credit-card.html
• U.S. Bank Cash+ Secured Visa Card Product Page: https://www.usbank.com/credit-cards/secured-visa-card.html
• U.S. Bank Secured Visa Credit Card: https://www.usbank.com/credit-cards/secured-visa-credit-card.html
• U.S. Bank Compare Credit Building Cards: https://www.usbank.com/credit-cards/co-brand/compare-credit-building-cards.html
• U.S. Bank Credit Card Rates: https://www.usbank.com/credit-cards/credit-card-rates.html
• U.S. Bank Rates and Fees Disclosure: https://www.usbank.com/credit-cards/rates-and-fees.html
• U.S. Bank Secured Credit Card Information: https://www.usbank.com/credit-cards/secured-credit-card-information.html
• U.S. Bank Search Results: https://www.usbank.com/index.html
• OpenSky Secured Visa Credit Card: https://opensky.com/
• OpenSky: https://www.openskycc.com/
• OpenSky Application: https://app.openskycc.com/
• OpenSky Application Options: https://app.openskycc.com/static/media/creditcard-launch.b77d5bcd.png
• OpenSky Cardholder Agreement: https://www.openskycc.com/credit-card-agreement
• OpenSky FAQ: https://www.openskycc.com/faq
• OpenSky Secured Visa: https://www.openskycc.com/opensky-secured-visa
• OpenSky Secured Credit Cards: https://www.openskycc.com/secured-credit-cards
• OpenSky Shop Cards: https://www.openskycc.com/shop-cards
• Citi Secured Credit Card: https://www.citi.com/credit-cards/citi-secured-credit-card
• Citi Secured Credit Card Additional Information: https://www.citi.com/credit-cards/citi-secured-credit-card/additional-information
• Citi Credit Card Agreements: https://www.citi.com/credit-cards/agreements
• Citi What Is a Secured Credit Card: https://www.citi.com/credit-cards/understanding-credit-cards/what-is-a-secured-credit-card
• Self Visa Credit Card: https://www.self.inc/credit-builder-secured-visa-credit-card
• Self Visa Credit Card: https://www.self.inc/visa-secured-credit-card
• Self Visa Credit Card: https://www.self.inc/credit-card
• Self Official Product Overview: https://www.self.inc/
• Self Credit Builder Account: https://www.self.inc/credit-builder-account
• Self Credit Builder and App Features: https://www.self.inc/credit-builder
• Navy Federal nRewards Secured Credit Card: https://www.navyfederal.org/loans-cards/credit-cards/nrewards-secured.html
• Navy Federal nRewards Secured Credit Card: https://web.navyfederal.org/loans-cards/credit-cards/nrewards-secured/
• Navy Federal cashRewards Secured Credit Card: https://www.navyfederal.org/loans-cards/credit-cards/cashrewards-secured.html
• Navy Federal cashRewards Secured Credit Card: https://www.navyfederal.org/loans-cards/credit-cards/cash-rewards-secured.html
• Navy Federal Secured Credit Card: https://www.navyfederal.org/loans-cards/credit-cards/secured.html
• Navy Federal Credit Card Pricing Terms: https://www.navyfederal.org/content/dam/nfcutransitional/pdf/credit_card_disclosures.pdf
• Navy Federal Cardholder Agreement: https://www.navyfederal.org/loans-cards/credit-cards/rates.html
• Navy Federal Rates: https://www.navyfederal.org/rates.html
• Navy Federal Membership Eligibility: https://www.navyfederal.org/become-member
• Navy Federal Membership Eligibility: https://www.navyfederal.org/membership/become-a-member.html
• Navy Federal Membership Eligibility: https://www.navyfederal.org/membership/eligibility.html
• Navy Federal Secured Credit Card Information: https://www.navyfederal.org/products-services/loans-credit/credit-cards
• Navy Federal Press Release - cashRewards Secured: https://www.navyfederal.org/about/newsroom/press-releases/2025/navy-federal-launches-cashrewards-secured-credit-card.html
• Navy Federal Product Page: https://www.navyfederal.org
• Nusenda Visa Secured Credit Card: https://www.nusenda.org/loans-credit-cards/credit-cards/secured-credit-card
• Varo Believe Secured Credit Card: https://www.varomoney.com/credit-builder/

Independent Sources

• Capital One Platinum Secured Review (2026): https://money8020.com/products/capital-one-platinum-secured/
• Capital One Platinum Secured Credit Card: APR, Fees and Cost: https://thrifle.com/money/cards/capital-one-platinum-secured
• Best Secured Credit Cards to Build Credit in September 2026: https://www.bankrate.com/finance/credit-cards/secured/
• Capital One Platinum Secured Credit Card review: https://www.cnet.com/personal-finance/credit-cards/capital-one-platinum-secured-credit-card/
• Capital One Platinum Secured Credit Card Review: https://www.credit.com/reviews/credit-cards/capital-one-platinum-secured-credit-card-review/
• Capital One Platinum Secured Credit Card review: https://www.creditkarma.com/credit-cards/insights/capital-one-platinum-secured-credit-card
• Capital One Platinum Secured Credit Card - Experian: https://www.experian.com/credit-cards/details/capital-one-platinum-secured-credit-card/
• Capital One Platinum Secured Review: https://www.investopedia.com/capital-one-platinum-secured-review-4798740
• Capital One Secured Mastercard Review: https://www.mybanktracker.com/credit-cards/expert-reviews/capital-one-secured-mastercard-review-254237
• Chime Credit Builder Review 2026: https://walletgrower.com/credit-building/chime-credit-builder-review
• Chime Credit Builder Secured Visa Credit Card review: https://www.bankrate.com/credit-cards/reviews/chime-credit-builder-visa-credit-card/
• Chime Credit Builder Secured Visa Credit Card review: https://www.bankrate.com/finance/credit-cards/reviews/chime-credit-builder-secured-visa-credit-card/
• Does Chime Help Build Credit: https://www.consumervoice.org/articles/does-chime-help-build-credit
• Chime Credit Builder Review: https://www.experian.com/blogs/ask-experian/chime-credit-builder-review/
• 5 Things To Know About The Secured Chime Visa Credit Card: https://www.forbes.com/advisor/credit-cards/reviews/secured-chime-visa-credit-card/
• Discover Temporarily Discontinues Its Secured Credit Card: https://money.usnews.com/credit-cards/articles/discover-discontinues-its-secured-credit-card
• Discover it Secured review - Wise: https://wise.com/us/blog/discover-it-secured-card-review
• Discover it Secured review - Wise: https://wise.com/us/blog/discover-secured-credit-card
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• Discover it Secured Credit Card Review - Credit Karma: https://www.creditkarma.com/credit-cards/i/discover-it-secured-credit-card-review
• Discover it Secured Credit Card Review (2026) - Firstcard: https://www.firstcard.app/learn/discover-it-secured-credit-card-review-2026
• Discover it Secured Review - NerdWallet: https://www.nerdwallet.com/credit-cards/reviews/discover-it-secured
• Bank of America Customized Cash Rewards Secured Credit Card Review: https://www.bankrate.com/credit-cards/reviews/bank-of-america-customized-cash-rewards-secured/
• Bank of America Customized Cash Rewards Secured Card Review: https://www.bankrate.com/personal-finance/credit-cards/reviews/bank-of-america-customized-cash-rewards-secured/
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• Bank of America Customized Cash Rewards Secured - CFPB: https://www.consumerfinance.gov/consumer-tools/credit-cards/explore-cards/cards/bank-of-america-national-association-bank-of-america-customized-cash-rewards-secured/
• Bank of America Customized Cash Rewards Secured Credit Card Review - Forbes Advisor: https://www.forbes.com/advisor/credit-cards/reviews/bank-of-america-customized-cash-rewards-secured-credit-card/
• Bank of America Customized Cash Rewards Secured Credit Card Review - Forbes: https://www.forbes.com/advisor/credit-cards/reviews/bank-of-america-customized-cash-rewards-secured/
• Bank of America Customized Cash Rewards Secured Credit Card Reviews - Informr: https://theinformr.com/credit-cards/bank-america-cash-rewards-secured/
• U.S. Bank Cash+ Review (2026): https://creditcardscreener.com/cards/usbank-cash-plus
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• U.S. Bank Cash+ Secured Credit Card Graduation - WalletHub: https://wallethub.com/answers/cc/us-bank-cash-plus-secured-credit-card-graduation-2140807841/
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• U.S. Bank Cash+ Secured Card Review - CNBC: https://www.cnbc.com/amp/select/us-bank-announces-altitude-go-cash-plus-secured/
• U.S. Bank Cash+ Visa Secured Card Review - The Motley Fool: https://www.fool.com/money/credit-cards/us-bank/us-bank-cash-visa-secured-card-review/
• U.S. Bank Secured Card Review - The Motley Fool: https://www.fool.com/money/credit-cards/us-bank/us-bank-secured-visa-card-review/
• U.S. Bank Cash+ Secured Card Review 2025 - Forbes: https://www.forbes.com/advisor/credit-cards/reviews/us-bank-altitude-go-secured/
• SoFi's New 'No Deposit' Secured Card - Forbes: https://www.forbes.com/advisor/credit-cards/sofi-no-deposit-secured-card-how-it-works-lmandp5/
• Build Credit with U.S. Bank's Secured Visa - LendingTree: https://www.lendingtree.com/credit-cards/review/us-bank-secured/
• U.S. Bank Cash+ Secured Visa Card Review - NerdWallet: https://www.nerdwallet.com/reviews/credit-cards/us-bank-cash-plus-secured-visa-card
• OpenSky Secured Visa 2026: https://creditbooster.ai/learn/opensky-secured-visa-requirements-2026/
• OpenSky Secured Visa Credit Card Review: https://www.bankrate.com/finance/credit-cards/reviews/opensky-secured-visa-credit-card/
• OpenSky Plus Secured Visa Credit Card: https://www.credit-land.com/credit-cards/opensky-plus-secured-visa-credit-card.html
• OpenSky Secured Visa Card Review - Credit Karma: https://www.creditkarma.com/credit-cards/secured
• OpenSky Secured Visa Credit Card - Experian: https://www.experian.com/blogs/ask-experian/reviews/opensky-secured-visa-credit-card/
• OpenSky Secured Visa Credit Card - Experian: https://www.experian.com/credit-cards/details/the-opensky-secured-visa-credit-card/
• Secured Credit Card Comparison - NerdWallet: https://www.nerdwallet.com/article/credit-cards/secured-credit-cards
• OpenSky Secured Visa Review - NerdWallet: https://www.nerdwallet.com/reviews/credit-cards/opensky-secured
• OpenSky Credit Cards - Visa: https://www.visa.com/en-us/card-finder/credit-card/opensky
• Citi Secured Mastercard Review (2026) - ClearValue Cards: https://clearvaluecards.com/cards/citi/citi-secured
• Citi Secured Mastercard Review 2026 - FinanceBuzz: https://financebuzz.com/citi-secured-card-review
• Citi Secured Mastercard 2026 Review - U.S. News: https://money.usnews.com/credit-cards/citi/citi-secured-mastercard
• Citi Secured Mastercard - The Points Guy: https://thepointsguy.com/cards/citi-secured-mastercard/
• Citi Secured Credit Card Graduation - WalletHub: https://wallethub.com/answers/cc/citi-secured-credit-card-graduation-2140685973/
• What is a secured credit card - CFPB: https://www.consumerfinance.gov/ask-cfpb/what-is-a-secured-credit-card-en-418/
• Citi Secured Mastercard Review - Credit Karma: https://www.creditkarma.com/credit-cards/insights/citi-secured-mastercard
• Citi Secured Review - NerdWallet: https://www.nerdwallet.com/credit-cards/reviews/citi-secured
• Citi Secured Mastercard Review 2025 - NerdWallet: https://www.nerdwallet.com/reviews/credit-cards/citi-secured-mastercard
• Citi Secured Credit Card Review 2025 - YouTube: https://www.youtube.com/watch?v=O1m_W-vL9Hw
• Self Credit Builder Account with Secured Visa - Yahoo Finance: https://finance.yahoo.com/news/self-credit-builder-account-secured-110033532.html
• Self Visa Credit Card Review - Moneyzine: https://moneyzine.com/credit/self-credit-card-review/
• The Secured Self Visa Credit Card Review - Bankrate: https://www.bankrate.com/finance/credit-cards/reviews/self-secured-visa-credit-card/
• The Secured Self Visa Credit Card Review 2025 - CNBC: https://www.cnbc.com/select/self-visa-secured-credit-card-review/
• Secured Self Visa Credit Card - CompareCards: https://www.comparecards.com/credit-card/self-visa
• What is a secured credit card - CFPB: https://www.consumerfinance.gov/ask-cfpb/what-is-a-secured-credit-card-en-415/
• Self Visa Card Reviews - Credit Karma: https://www.creditkarma.com/creditcards/i/self-visa-card
• The Secured Self Visa Credit Card Review 2026 - Forbes: https://www.forbes.com/advisor/credit-cards/reviews/self-visa-secured-credit-card/
• Self Secured Visa Credit Card Review - Forbes: https://www.forbes.com/advisor/credit-cards/self-secured-visa-credit-card-review/
• Credit Building with a Catch - LendingTree: https://www.lendingtree.com/credit-cards/review/self/
• The Secured Self Visa Credit Card Review 2026 - Money Atlas: https://www.moneyatlas.com/review/self-credit-builder
• Best Secured Credit Cards of August 2026 - NerdWallet: https://www.nerdwallet.com/credit-cards/best/secured
• Self Credit Building and Reporting Features - NerdWallet: https://www.nerdwallet.com/reviews/credit-cards/self-visa-card
• Self Visa Credit Card Review - NerdWallet: https://www.nerdwallet.com/reviews/credit-cards/self-visa-credit-card
• Self Visa Credit Card Review 2025 - YouTube: https://www.youtube.com/watch?v=Eq-H5yBHH_g
• Navy Federal nRewards Secured Credit Card 2026 Review - U.S. News: https://money.usnews.com/credit-cards/navy-federal-credit-union/navy-federal-nrewards-secured-credit-card
• Navy Federal Secured Credit Card for Military and Veterans: https://themilitarywallet.com/navy-federal-nrewards-secured-card/
• Navy Federal Secured Credit Card for Military and Veterans: https://themilitarywallet.com/navy-federal-secured-credit-card-review/
• Navy Federal nRewards Secured Card Review - Bankrate: https://www.bankrate.com/credit-cards/reviews/navy-federal-nrewards-secured/
• Navy Federal nRewards Secured Card Review - Doctor of Credit: https://www.doctorofcredit.com/credit-cards/secured/navy-federal-nrewards-secured-card/
• Do all secured cards report to credit bureaus - Experian: https://www.experian.com/blogs/ask-experian/do-all-secured-cards-report-to-credit-bureaus/
• Navy Federal Nrewards Secured Card - NerdWallet: https://www.nerdwallet.com/reviews/credit-cards/navy-federal-nrewards-secured
• How Navy Federal Secured Credit Card Can Help You Build Credit: https://www.turbodebt.com/blog/navy-federal-secured-credit-card
• FTC - How Credit Card Interest Rates Are Determined: https://www.consumer.ftc.gov/articles/how-credit-card-interest-rates-are-determined
• FTC - How to Use Secured Credit Card to Build Credit: https://www.consumer.ftc.gov/articles/how-use-secured-credit-card-build-credit
• What is a secured credit card - CFPB: https://www.consumerfinance.gov/ask-cfpb/what-is-a-secured-credit-card-en-417/
• What is a secured credit card - CFPB: https://www.consumerfinance.gov/ask-cfpb/what-is-a-secured-credit-card-en-421/
• Does a Secured Credit Card Build Credit - Experian: https://www.experian.com/blogs/ask-experian/does-a-secured-credit-card-build-credit/
• Capital One Facebook Post: https://www.facebook.com/capitalone/posts/10160453531206123