Best Secured Credit Cards with Cashback Rewards in 2025

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Looking for a secured credit card that helps build credit and pays you back? Discover the most rewarding secured cards of 2025, with cashback, low fees, and upgrade paths.

What Makes a Secured Credit Card with Cashback Worth It?

Most secured cards require a refundable deposit, but only a few offer cashback. A rewards‑earning secured card lets you:

• Earn real cash back on everyday spending.
• Build or rebuild your credit history responsibly.
• Graduate to an unsecured card later with your deposit returned.

Top Cashback Secured Cards

1. Discover it® Secured Credit Card

• Rewards: 2% at gas & restaurants (up to $1,000/quarter), 1% on all other purchases.
• First‑Year Perk: Discover doubles all the cashback you earn in year one (Cashback Match).
• Deposit Required: Minimum $200 (refundable).
• Fees: $0 annual fee; no foreign transaction fee.

2. Bank of America® Customized Cash Rewards Secured Card

• Choose Your 3% Category: Options include gas, online shopping, dining, travel, drug stores or home improvement.
• 2% on groceries and wholesale clubs, and 1% on all other purchases.
• Deposit: $200 minimum, up to $5,000.
• Fees: $0 annual fee; foreign transaction fee applies.

3. U.S. Bank Cash+® Secured Visa® Card

• Rewards: 5% cashback on up to $2,000/quarter in two categories you choose (e.g., utilities, streaming, gas), plus 2% in one more category (groceries or dining), and 1% elsewhere.
• Deposit: $300 minimum (up to $5,000).
• Fees: $0 annual fee; high APR applies.

Tips to Maximize Cashback & Build Credit

• Focus spending: Use your 5% or 3% categories efficiently each quarter.
• Keep utilization low: Stay under 30% of your credit limit.
• Always pay on time: No interest, higher credit score.
• Track your progress: Use monthly FICO score access when available.
• Plan upgrades: Many cards automatically review for upgrade after 6–7 months.
• Watch for foreign transaction fees: Especially if you shop internationally.

Final Takeaway

If you're rebuilding credit but still want to earn money responsibly, these secured credit cards give you the best of both worlds:

• Discover it Secured: Best for cashback and easy graduation path.
• Bank of America Customized Cash: Ideal for those with consistent spending in a particular cashback category.
• U.S. Bank Cash+ Secured: Excellent for high-reward users with varied spending habits.

Support your journey: spend smart, pay on time, and track your growth.

FAQ

Will I get my deposit back?
Yes—upon graduation to an unsecured card or account closure in good standing.

Can I upgrade later?
Many cards automatically review after ~6–7 months.

Must I have a perfect credit score?
No. These cards accept applicants with limited or poor credit history.