But credit card apps and websites, especially for student and secured card users, often have resources such as free credit scores and other content to help you ace whatever credit tests come your way.

The OpenSky® Secured Visa® Card doesn’t require a credit check or checking account to get approved. It also offers limited rewards, but it does charge an annual fee.

The Chime Credit Builder Secured Credit Card may not have a rewards program, but it doesn't require a credit check and charges no interest ...

Starting a new business? A secured business credit card could give you the funding and flexibility you need.

Learn the differences between secured and unsecured credit cards, how they impact credit approval, and find the right fit for your financial journey.

The Navy Federal Credit Union cashRewards Secured Card earns 1% cash back on all purchases, but other secured cards earn even more.

The Valley Visa Secured Business Card offers cash back, no annual fee and an intro APR—ideal for startups aiming to build business credit.

The best secured business credit cards of 2025 come with features, rewards, benefits, and fees that help your small business build business credit.

A secured credit card functions similarly to a debit card. However, you’re essentially relying on your cash deposit, which is what translates to your secured line of credit to make purchases.

The Firstcard® Secured Credit Builder Card offers easy access to credit and earns rewards, but comes with an annual fee.

Whether you choose a student credit card or a secured credit card ultimately won’t matter in the long run — it’s what you do with the card that counts.