Core Insights - The article discusses the best secured credit cards for 2025, highlighting their features, benefits, and suitability for individuals looking to build or improve their credit scores. Group 1: Capital One Quicksilver Secured Credit Card - Offers a $0 annual fee and a 29.74% variable purchase APR [3] - Provides 1.5% unlimited cash back on all eligible purchases [4] - Users can earn back their $200 security deposit as a statement credit with responsible use [6] Group 2: Capital One Platinum Secured Credit Card - Requires a minimum refundable security deposit of $49, making it accessible for users [9] - No annual or hidden fees, with a 29.74% variable purchase APR [8] - Users can upgrade to an unsecured card with responsible use [11] Group 3: Self Visa® Credit Card - No credit check required and a minimum deposit of $100 [13] - Annual fee of $0 for the first year, then $25 [14] - Reports activity to all three credit bureaus, aiding in credit building [15] Group 4: Discover it® Secured Credit Card - Offers a $0 annual fee and a welcome offer of cash-back match at the end of the first year [17] - Provides 2% cash back at gas stations and restaurants up to $1,000 spent quarterly [20] - Automatic monthly account reviews after seven months for potential upgrade to an unsecured card [20] Group 5: U.S. Bank Altitude® Go Secured Visa® Card - Best for everyday rewards with a $0 annual fee and a 29.24% variable purchase APR [22] - Offers up to 4x points on dining and other common expenses [23] - Users can graduate to a U.S. Bank Altitude Go Visa Signature Card with responsible usage [22] Group 6: Bank of America® Customized Cash Rewards Secured Card - Allows customization of cash back categories, with a $0 annual fee [26] - Offers 3% cash back in a chosen category and 2% at grocery stores [27] - Periodic reviews for potential deposit return based on responsible usage [26] Group 7: U.S. Bank Cash+® Secured Visa® Card - Provides 5% cash back on two chosen categories each quarter [30] - $0 annual fee and a 29.24% variable purchase APR [29] - Users can graduate to an unsecured card with responsible usage [29] Group 8: Chime Secured Credit Builder Visa® Credit Card - No credit check required and a $0 annual fee [39] - Offers 1.5% cash back on all purchases [40] - Reports activity to all three major credit bureaus, aiding in credit building [41] Group 9: General Information on Secured Credit Cards - Secured credit cards help users build credit with a cash security deposit acting as the credit limit [42] - They are accessible for individuals with limited or poor credit history [43] - Responsible usage can lead to upgrades to unsecured cards and improved credit scores [44]