For a small upfront deposit, many secured credit cards offer solid cash back rewards, useful cardholder benefits and protections, and fees that won’t break your bank account. In fact, the best secured credit cards have no annual fee and report your account activity to all three credit bureaus. Over time, you may graduate to an unsecured credit card and get your deposit refunded.
Carrying a large debt on your credit cards can feel like an endless predicament. You scrape together the largest payment you can afford each month, but watch a large part of your cash go toward interest while your original balance decreases by a teeny fraction. A card with a 0% balance transfer offer could be a lifesaver, since 100% of your payment goes to whittling down your balance. You can potentially save hundreds of dollars in interest with a balance transfer. Some of the best balance transfers cards below will let you enjoy an interest-free period well into 2025.
| Credit Cards | Our Ratings | Welcome Offer | Rewards Rate | Regular APR | |
|---|---|---|---|---|---|
Capital One Platinum Secured Credit Card*
|
N/A | Non-rewards Card | 29.99% (Variable) | ||
Capital One Spark Cash Select*
|
$500 Cash Back once you spend $4,500 on purchases within the first 3 months from account opening | 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel | 17.99% - 23.99% (Variable) | ||
Capital One Quicksilver Student Cash Rewards Credit Card*
|
Earn $50 when you spend $100 in the first three months | 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) | 19.74% - 29.74% (Variable) | ||
Capital One Spark Cash Select for Good Credit*
Learn More
on Capital One's secure site |
N/A | 1.5% Cash Back on every purchase; 5% Cash Back on hotels and rental cars booked through Capital One Travel | 21.24% - 29.24% (Variable) |
Learn More
on Capital One's secure site |
|
Capital One Quicksilver Cash Rewards for Good Credit*
|
N/A | 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply) | 29.99% (Variable) |
For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
The information related to the Discover it® Secured Credit Card, Discover it® Chrome, Amazon Business American Express Card, Capital One Platinum Secured Credit Card, Capital One Spark Cash Select, Capital One Quicksilver Student Cash Rewards Credit Card, Capital One Spark Cash Select for Good Credit and Capital One Quicksilver Cash Rewards for Good Credit has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.
The content above is not provided by any issuer. Any opinions expressed are those of LendingTree alone and have not been reviewed, approved, or otherwise endorsed by any issuer. The offers and/or promotions mentioned above may have changed, expired, or are no longer available. Check the issuer's website for more details.
