Discover
Discover it® Secured Credit Card
4.5
Annual Fee
$0
Rewards Rate
1%-2%
Intro Offer
Cashback Match
Regular APR
28.24%+
One of the few secured cards that earns rewards. Refundable deposit. Graduates to unsecured. Cashback Match in first year.
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Best Student and Credit-Building Cards of 2026
Cards designed for students and those building or rebuilding credit.
Independently reviewed · Verified April 2026 · No sponsored rankings
All categories Best
Capital One
Capital One Quicksilver Secured Cash Rewards
4.5
Annual Fee
$0
Rewards Rate
1.5%%
Intro Offer
—
Regular APR
29.99%
Best for simplicity. Flat 1.5% on everything with no annual fee — rare for secured cards.
Capital One
Capital One Platinum Secured
4.2
Annual Fee
$0
Rewards Rate
0%
Intro Offer
None
Regular APR
29.99%+
Lower minimum deposit than many secured cards. No annual fee. May qualify for a higher credit line after 6 months of on-time payments.
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