- 1.5%Cash back on every purchase
N/A
Earn unlimited 1.5% cash back on every purchase, every day.
26.49% Variable APR
The Capital One Quicksilver Secured Cash Rewards Credit Card stands out as the top choice because it combines the benefits of a secured card with the ability to earn unlimited cash back on every purchase. This unique feature makes it an excellent option for those looking to build credit while also enjoying rewards.
Pros:
- No annual fee
- Unlimited cash back on all purchases
Cons:
- Requires a refundable security deposit
- Cash back rewards do not expire
2.Capital One Platinum Secured Credit Card
Capital One
- No rewards breakdown available
N/A
This card does not offer cash back rewards.
28.99% Variable APR
What sets the Capital One Platinum Secured Credit Card apart is its focus on helping users build credit without the burden of an annual fee. While it lacks rewards, it provides a straightforward path to improving credit scores.
Pros:
- No annual fee
- Helps build credit
Cons:
- No cash back rewards
- Requires a refundable security deposit
3.Citi Secured Mastercard
Citi
- No rewards breakdown available
N/A
This card does not offer rewards.
26.74% Variable APR
The Citi Secured Mastercard shines for its simplicity and focus on credit building, making it an ideal choice for those looking to establish or rebuild their credit history. Its lack of fees and straightforward structure make it accessible for many.
Pros:
- No annual fee
- Reports to all three major credit bureaus
Cons:
- No rewards or cash back
- Requires a refundable security deposit
4.Discover it Secured Credit Card
Discover
- 2%Cash back at gas stations and restaurants (on up to $1,000 in combined purchases per quarter)
- 1%Cash back on all other purchases
Automatically matches all cash back earned at the end of the first 12 billing cycles.
Earn 2% cash back at gas stations and restaurants (on up to $1,000 in combined purchases per quarter) and unlimited 1% on all other purchases.
26.49% Variable APR
A key differentiator for the Discover it Secured Credit Card is its unique Cashback Match feature, which doubles all cash back earned in the first year. This makes it an attractive option for those looking to build credit while also earning rewards.
Pros:
- No annual fee
- First-year Cashback Match
Cons:
- Requires a refundable security deposit
- Limited to cash back categories
Final Words
As you consider the best secured credit cards this February 2026, remember that choosing the right card can significantly impact your credit-building journey. Take time to compare your options, evaluate features, and make informed decisions that align with your financial goals.
Frequently Asked Questions
The Capital One Quicksilver Secured Cash Rewards Credit Card has an annual fee of £0 and offers an APR of 26.49% Variable APR. You can earn unlimited 1.5% cash back on every purchase, every day.
The Capital One Platinum Secured Credit Card does not offer cash back rewards and has an annual fee of £0 with an APR of 28.99% Variable APR. This card is designed primarily for building credit rather than earning rewards.
The Citi Secured Mastercard has no annual fee and an APR of 26.74% Variable APR. This card does not offer rewards, making it a straightforward option for those looking to build or rebuild their credit.
A secured credit card is a type of credit card that requires a cash deposit as collateral, which usually serves as your credit limit. This deposit can help individuals with limited or poor credit histories to establish or rebuild their credit scores.
Eligibility for a secured credit card typically includes being at least 18 years old and having a valid UK address. Some providers may also consider your income and overall credit history, but secured cards are usually more accessible than traditional credit cards.
Many secured credit cards have no annual fees, making them a cost-effective option for rebuilding credit. However, it's always important to read the terms and conditions, as some cards may charge fees depending on the provider.
When selecting a secured credit card, consider factors such as annual fees, APR, and any potential rewards. Additionally, look for cards that report to the major credit bureaus to ensure your responsible usage helps build your credit score.
