Best Reporting Bureaus

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Rankings are calculated based on verified user reviews, recency of updates, and community voting weighted by user reputation score.

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Best 1 Discover it Secured Credit Card
Discover it Secured Credit Card

The Discover it® Secured Credit Card stands out with its rotating quarterly cash back rewards, a rare benefit for secured cards. Requiring a $200 security deposit, it reports to all three credit burea...

8.9 Very Good
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2 Navy Federal Credit Union Secured Credit Card
Navy Federal Credit Union Secured Credit Card

The Navy Federal Credit Union Secured Credit Card is an excellent choice for families who are eligible for Navy Federal membership (military, veterans, and their families). It requires a $500 security...

8.6 Very Good
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3 OpenSky Secured Visa Credit Card
OpenSky Secured Visa Credit Card

The OpenSky® Secured Visa® Credit Card is a good option for families with limited or no credit history, as it doesn't require a credit check for approval. It requires a $200-$500 security deposit and...

8.6 Very Good
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4 First Progress Platinum Elite Secured Credit Card
First Progress Platinum Elite Secured Credit Card

The First Progress Platinum Elite Secured Credit Card offers a low minimum security deposit of $200 and reports to all three credit bureaus. It provides a clear path to graduation to an unsecured card...

8.4 Very Good
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5 Applied Bank Secured Credit Card
Applied Bank Secured Credit Card

The Applied Bank Secured Credit Card is a newer option that stands out with its virtual card feature, allowing users to monitor spending and protect against fraud. It requires a security deposit rangi...

8.3 Very Good
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6 First Progress Platinum Elite Mastercard® Secured Credit Card
First Progress Platinum Elite Mastercard® Secured Credit Card

The First Progress Platinum Elite Mastercard® Secured Credit Card offers a rewards program and reports to all three credit bureaus. It requires a $200 security deposit and has a low annual fee. The ca...

8.3 Very Good
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7 Voyager Card by Self
Voyager Card by Self

The Voyager Card by Self is a unique secured card that uses a 'cash-secured' model, meaning your savings account acts as collateral. It requires a deposit equal to your credit limit and reports to all...

8.2 Very Good
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8 Self Lender
Self Lender

Self Lender is a unique platform that uses installment loans to build credit. Families can start with a small loan amount and make monthly payments, which are reported to credit bureaus. While not a t...

8.1 Very Good
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9 SimpliFi Secured Credit Card
SimpliFi Secured Credit Card

The SimpliFi Secured Credit Card offers a unique graduated credit limit feature, starting at $200 and potentially increasing to $10,000 based on responsible usage. It requires a $200 security deposit...

8.1 Very Good
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10 Breeze Card
Breeze Card

The Breeze Card is a cash-secured card, meaning your savings account secures your credit line. It reports to all three credit bureaus and focuses on financial literacy, providing tools and resources t...

8.0 Very Good
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11 Blink One Secured Credit Builder Loan
Blink One Secured Credit Builder Loan

Blink One offers a Credit Builder Loan that functions similarly to a secured credit card. Users deposit funds into an account and make monthly payments, which are reported to credit bureaus. Its a goo...

8.0 Very Good
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12 Applied Bank Secured Visa
Applied Bank Secured Visa

The Applied Bank Secured Visa is a basic, no-nonsense secured card that is very easy to get approved for. It does not perform a credit check and offers a fixed, relatively low APR. It is designed pure...

8.0 Very Good
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13 Potential Visa® Card
Potential Visa® Card

The Potential Visa® Card is a secured card that focuses on financial education and credit building. It requires a deposit and charges a monthly maintenance fee. It reports to all three credit bureaus...

7.9 Good
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14 Petal® 2 Secured Credit Card
Petal® 2 Secured Credit Card

The Petal® 2 Secured Credit Card is designed for those with limited credit history, as it doesn't require a hard credit check for approval. It requires a security deposit and reports to all three cred...

7.9 Good
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15 Destiny Secured Credit Card
Destiny Secured Credit Card

The Destiny® Secured Credit Card is designed for individuals with limited or poor credit history. It requires a $250 security deposit and reports to all three credit bureaus. While it has an annual fe...

7.8 Good
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16 Clearcover Secured Credit Card
Clearcover Secured Credit Card

The Clearcover Secured Credit Card is a newer option with a focus on simplicity and accessibility. It requires a minimum security deposit of $200 and reports to all three credit bureaus. The card has...

7.7 Good
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17 Klover Credit Builder Card
Klover Credit Builder Card

The Klover Credit Builder Card operates without a traditional security deposit, instead using a 'lock' of funds that users can access later. It reports to credit bureaus and focuses on financial liter...

7.6 Good
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18 CreditRise Secured Credit Card
CreditRise Secured Credit Card

The CreditRise Secured Credit Card is designed for individuals and families looking to rebuild their credit. It doesn't require a credit check for approval and reports to all three credit bureaus. The...

7.6 Good
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19 Universal Visa® Secured Credit Card
Universal Visa® Secured Credit Card

The Universal Visa® Secured Credit Card is often considered for those with challenging credit histories. It requires a security deposit and has an annual fee. It reports to all three credit bureaus an...

7.5 Good
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20 SeedFi Credit Builder Account
SeedFi Credit Builder Account

SeedFi offers a Credit Builder Account that functions similarly to a secured credit card. Users deposit funds into an account and make monthly payments, which are reported to credit bureaus. Its a goo...

7.5 Good
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21 Surpass Secured Credit Card
Surpass Secured Credit Card

The Surpass Secured Credit Card is designed for those looking to rebuild credit. It requires a security deposit and has an annual fee. It reports to all three credit bureaus and offers a path to gradu...

7.4 Good
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22 Universal Standard Secured Credit Card
Universal Standard Secured Credit Card

The Universal Standard Secured Credit Card is a unique offering from the inclusive fashion brand. It doesn't require a credit check for approval and reports to all three credit bureaus. The card offer...

7.4 Good
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23 Prestige Plus Secured Credit Card
Prestige Plus Secured Credit Card

The Prestige Plus Secured Credit Card is aimed at individuals with limited or poor credit. It requires a security deposit and has an annual fee. It reports to all three credit bureaus and offers a pat...

7.3 Good
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24 Netspend® Secured Visa® Credit Card
Netspend® Secured Visa® Credit Card

The Netspend® Secured Visa® Credit Card functions as a prepaid card with a secured credit line. It requires a security deposit and has an annual fee. It reports to the credit bureaus and can help buil...

7.2 Good
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25 Axcess Secured Credit Card
Axcess Secured Credit Card

The Axcess Secured Credit Card is designed for individuals with limited or poor credit history. It requires a security deposit and has an annual fee. It reports to all three credit bureaus and offers...

7.1 Good
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26 SurgeCard Secured Credit Card
SurgeCard Secured Credit Card

The SurgeCard Secured Credit Card is designed for individuals and families looking to rebuild their credit. It doesn't require a credit check for approval and reports to all three credit bureaus. The...

7.1 Good
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27 CardOneCredit Secured Credit Card
CardOneCredit Secured Credit Card

The CardOneCredit Secured Credit Card is aimed at individuals with limited or poor credit. It requires a security deposit and has an annual fee. It reports to all three credit bureaus and offers a pat...

7.0 Good
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28 Respond Credit Builder Loan
Respond Credit Builder Loan

Respond offers a Credit Builder Loan that functions similarly to a secured credit card. Users deposit funds into an account and make monthly payments, which are reported to credit bureaus. Its a good...

7.0 Good
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29 Potential Secured Credit Card
Potential Secured Credit Card

The Potential Secured Credit Card is designed for those with limited or no credit history. It doesn't require a hard credit check for approval and reports to all three credit bureaus. The card offers...

7.0 Good
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30 Milestone® Secured Credit Card
Milestone® Secured Credit Card

The Milestone® Secured Credit Card is designed for those looking to rebuild credit. It requires a security deposit and has an annual fee. It reports to all three credit bureaus and offers a path to gr...

6.9 Fair
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