Secured Credit Cards With Cashback USA — Build Credit Fast
Want to build credit and earn rewards at the same time? Secured credit cards with cashback are the smartest way to start. These cards help you establish or rebuild credit history while giving you cash rewards on every purchase — perfect for beginners in the USA.
Looking for more beginner-friendly options? Explore our best secured credit cards in the USA & Canada.
Expert-reviewed picks for U.S. consumers. Verified by Top Credit Quote analysts.
Written by Alex Carter — Editor & Financial Strategist
Helping readers make smarter financial choices with real-world insights and data-driven analysis. My mission is to simplify credit, build confidence, and help every reader find the right card for their goals.
October 2025
Editor’s Note
Finding a credit card that offers real value without high annual fees can feel impossible — but it’s not. After analyzing hundreds of U.S. cards and real user data, our experts at Top Credit Quote identified the best secured credit cards with cashback USA and the top no-annual-fee credit cards in the country. Each card on this list consistently delivers $500+ in yearly value through cashback, welcome bonuses, and partner rewards. These cards were evaluated for low fees, reward flexibility, and transparent terms — ensuring you get maximum value with zero hidden costs.
Top Secured Credit Cards With Cashback USA — Comparison Table
Before choosing your card, compare the secured credit cards with cashback USA that offer top rewards and no annual fees. Each card in this list helps you build credit fast while earning cashback — verified by Top Credit Quote experts.
Card Name
Welcome Bonus
Rewards Rate
Est. Annual Value
Chase Freedom Unlimited®
$200 + 2% Cash Back
5% Rotating
$550+
Citi® Double Cash Card
$200
2%
$520+
Discover it® Cash Back
Match Bonus 1st Year
5% Rotating
$600+
Capital One Quicksilver
$200
1.5% Flat
$540+
Wells Fargo Active Cash®
$200
2% Flat
$500+
Blue Cash Everyday®
$200
3% Groceries
$510+
Bank of America® Customized Cash
$200
3% Category
$530+
Est. Annual Value is a directional estimate based on public rewards data and typical spend. Actual value varies by usage.
Secured Credit Cards With Cashback USA — Chase Freedom Unlimited® Review
Among the top secured credit cards with cashback USA, the Chase Freedom Unlimited® stands out for offering powerful rewards with zero annual fee. You can earn up to 5% cashback on select categories and 1.5% on everyday spending while building credit fast. With a strong welcome bonus and long-term yearly value over $500+, it’s ideal for users seeking flexibility and consistent rewards in the USA.
Chase Freedom Unlimited® — Best Secured Credit Card With Cashback USA
The Chase Freedom Unlimited® is one of the best secured credit cards with cashback USA, offering strong rewards and simple terms. With no annual fee, it’s perfect for beginners or regular spenders who want easy rewards, flexible cashback, and long-term value.
Secured Credit Cards With Cashback USA — Citi® Double Cash Card Review
The Citi® Double Cash Card is one of the best secured credit cards with cashback USA users can choose for everyday spending. Earn a flat 2% cashback with no category tracking or hidden fees — perfect for those who prefer simplicity, steady rewards, and no annual cost.
Secured Credit Cards With Cashback USA — Discover it® Cash Back Review
The Discover it® Cash Back is one of the top secured credit cards with cashback USA users can choose for flexible spending. Earn up to 5% cashback in rotating categories and enjoy the Cashback Match® offer that doubles your rewards in the first year. With no annual fee, it’s ideal for users who want smart, steady, and effortless rewards while building credit fast.
Secured Credit Cards With Cashback USA — Capital One Quicksilver® Review
The Capital One Quicksilver® is one of the most popular secured credit cards with cashback USA users can choose for easy approval and everyday rewards. With no annual fee and 1.5% cashback on every purchase, it’s ideal for both beginners and steady spenders who want simplicity, flexibility, and long-term value.
Secured Credit Cards With Cashback USA — Wells Fargo Active Cash® Review
The Wells Fargo Active Cash® is one of the best secured credit cards with cashback USA users can rely on for simple, consistent rewards. Cardholders earn 2% cashback on every purchase with no annual fee and easy redemption options. Offering over $500+ yearly value, it’s perfect for beginners and steady users who want reliability, flat-rate cashback, and long-term value.
Secured Credit Cards With Cashback USA — Blue Cash Everyday® Review
The Blue Cash Everyday® is one of the most trusted secured credit cards with cashback USA users can choose for grocery, gas, and online shopping rewards. Earn up to 3% cashback on daily purchases with no annual fee, offering more than $500+ yearly value — perfect for families and beginners who want simple, high-reward spending.
Secured Credit Cards With Cashback USA — Bank of America® Customized Cash Rewards Review
The Bank of America® Customized Cash Rewards is one of the top secured credit cards with cashback USA users can rely on for flexible, personalized rewards. Cardholders can choose their own 3% cashback category — including gas, dining, or online shopping — while enjoying no annual fee and over $500+ yearly value. Perfect for goal-focused users and beginners who want control, flexibility, and consistent cashback returns.
Secured Credit Cards With Cashback USA — Compare Annual Value & $500+ Rewards
These secured credit cards with cashback USA options deliver exceptional yearly value through cashback, welcome bonuses, and flexible rewards. Most cards exceed $500+ yearly value, making them perfect for beginners and students building strong credit while enjoying consistent rewards.
Top secured credit cards with cashback USA compared by yearly rewards, bonuses, and total value.
Card Name
Welcome Bonus
Avg. Yearly Cashback
Extra Perks
Est. Total Value
Chase Freedom Unlimited®
$200 + 2% Cash Back
$350
Travel Rewards
$550+
Citi® Double Cash Card
$200
$320
Simplicity
$520+
Discover it® Cash Back
Match Bonus 1st Year
$300
Double Rewards
$600+
Capital One Quicksilver
$200
$340
No FX Fees
$540+
Wells Fargo Active Cash®
$200
$300
Cell Protection
$500+
Blue Cash Everyday®
$200
$310
Amex Rewards & Offers
$510+
Bank of America® Cash Rewards
$200
$330
Custom 3% Cash-Back Category
$530+
How We Calculated Each Secured Credit Card’s $500+ Cashback Value
Annual value for these secured credit cards with cashback USA was calculated using verified U.S. spending data and official issuer reward structures. Each estimate includes welcome bonuses, cashback, and extra perks based on an average monthly spend of around $1,000. Our editorial team reviewed official disclosures and third-party data to ensure accuracy. This standardized model helps readers easily compare top secured and no-annual-fee credit cards across leading U.S. issuers by total yearly value.
Why Secured Credit Cards With Cashback USA Often Outperform Premium Cards
Secured credit cards with cashback USA often outperform premium options that charge $95–$250 yearly. Every dollar earned stays yours — with no hidden costs or annual fees. Combined with valuable welcome bonuses, cashback on everyday categories, and travel benefits, these cards deliver smarter, fee-free rewards for most U.S. consumers. The result: higher yearly value, stronger flexibility, and lower costs compared to premium cards.
💎Key Benefits of Secured Credit Cards with Cashback USA (No Annual Fee)
✅ Guaranteed Cashback (1.5%–5%) — steady, reliable cashback rewards on every purchase.
🛡 Zero Liability Protection — complete peace of mind from unauthorized transactions.
📱 Real-Time Reward Tracking — monitor cashback and credit growth anytime, anywhere.
✈️ Travel & Purchase Perks — added value for dining, shopping, and travel rewards.
🚫 No Hidden Fees — transparent, beginner-friendly secured credit card benefits for U.S. users.
⚠️Key Things to Know Before You Apply for Secured Credit Cards with Cashback USA
⚠️ Lower Bonus Caps — yearly earning limits of around $1,500–$2,000 may apply.
⌛ Intro APR Ends Quickly — most offers expire within 12–15 months.
🎁 Fewer Premium Perks — fewer luxury or travel benefits than premium cards.
🌐 Limited Foreign Coverage — best for purchases within the U.S. market.
📊 Requires Good-to-Excellent Credit — approval depends on your credit profile.
👥 Who Should Choose Secured Credit Cards with Cashback USA (No Annual Fee)
These secured credit cards with cashback USA are ideal for students, newcomers, and everyday spenders who want consistent rewards without paying extra fees. They help build or improve credit, earn steady cashback, and fit easily into any budget. Travelers can also pair them with premium cards for added flexibility. Whether you’re starting to build credit or optimizing your rewards, choose a card that fits your lifestyle, use it regularly, and enjoy $500+ in yearly value — all with zero annual fees.
🎯How to Maximize Secured Credit Card Rewards and Earn $500+ Yearly Value
1️⃣ Use your secured credit card for groceries, gas, and recurring bills.
2️⃣ Activate 5% bonus categories each quarter to earn maximum cashback.
3️⃣ Redeem rewards for travel, statement credits, or direct cashback.
4️⃣ Stack card offers through online shopping portals or wallet deals.
5️⃣ Always pay your balance in full monthly to protect your credit score.
❌Common Mistakes to Avoid When Using Secured Credit Cards with Cashback USA
1️⃣ 🚫 Ignoring rotating 5% cashback categories — you’ll miss key reward opportunities.
2️⃣ ⚠️ Carrying a balance — interest charges can cancel your cashback earnings.
3️⃣ 💳 Applying for too many cards at once — lowers approval chances.
4️⃣ ⏳ Letting reward points expire — always redeem before expiration.
5️⃣ 📄 Skipping fine print or spending caps — know the secured card terms before applying.
💬FAQs About Secured Credit Cards with Cashback USA (Earn $500+ Yearly Value)
Q1. What’s the best secured credit card with cashback in the USA?
➡️ Chase Freedom Unlimited® and Discover it® Cash Back are top beginner-friendly cards offering up to 5% cashback and simple approval.
Q2. Can I really earn $500+ yearly with these cards?
➡️ Yes — by combining welcome bonuses, cashback categories, and regular monthly spending.
Q3. Do these cards help build credit?
➡️ Absolutely — on-time payments help improve your credit score while you earn cashback.
Q4. Are there any hidden fees?
➡️ No — all featured secured credit cards are transparent, with $0 annual fees.
Q5. Which secured credit card offers the highest total value?
➡️ Discover it® Cash Back leads with over $600+ yearly rewards, while Chase Freedom Unlimited® ranks best for long-term everyday spending.
🏆 Editor’s Pick: Best Secured Credit Cards with Cashback USA — No Annual Fee Winner
Our top recommendation for 2025 is the Discover it® Cash Back Card, one of the best secured credit cards with cashback USA. It’s perfect for beginners, everyday spenders, and smart savers who want to build credit while earning steady cashback. Enjoy up to 5% rewards in rotating categories and more than $500+ yearly value — all with zero annual fees and strong approval chances for new applicants.
💬 What Real Users Say About Secured Credit Cards with Cashback USA
“My Discover it® Cash Back Card gave me over $620 in rewards last year — no fees, no hassle. Easily one of the best secured credit cards with cashback USA for beginners.”
— Jason P., NY
“The Chase Freedom Unlimited® rewards stack up fast — I love how easy it is to track everything and earn steady cashback every month.”
— Monica L., CA
“I switched from a $95-fee card to the Citi® Double Cash Card and now save more every month. Simple, transparent, and reliable.”
— David R., TX
“Capital One Quicksilver® makes earning cash back effortless — flat-rate rewards, no limits, and absolutely no annual fee.”
— Brian S., FL
🧾 How We Tested and Selected the Best Secured Credit Cards with Cashback USA
Our editorial team reviewed verified data from official issuers, Federal Reserve reports, and genuine user feedback.
Each secured credit card had to meet at least 90%+ in transparency, reliability, and yearly value to qualify for inclusion.
All product recommendations are independently reviewed by Top Credit Quote financial analysts to ensure accuracy, fairness, and editorial trust.
💡Smart Credit Habits — Build and Keep a 750+ Credit Score with Secured Cards
Pay your bills on time and keep your credit utilization below 30%. This single habit builds lasting credit strength using secured cards with cashback.
Combining a no-annual-fee secured credit card with a small installment loan can improve your credit profile and unlock access to premium credit offers in the future.
⚖️ Affiliate Disclosure — FTC & Google Compliance
This site may earn a small commission when you apply through affiliate links — at no extra cost to you.
All reviews are independent, verified, and transparent.
Top Credit Quote follows FTC and Google’s Affiliate Transparency Policy to ensure factual, unbiased, and trustworthy recommendations for U.S. consumers.
🏁 Final Take — Earn $500+ Yearly with the Best Secured Credit Cards with Cashback USA
The best secured credit cards with cashback USA help you build credit confidently while earning steady rewards and paying no annual fees.
With regular use and on-time payments, these cards can deliver $500+ in yearly value through cashback, sign-up bonuses, and reliable redemptions.
Start smart — choose a secured credit card that fits your goals and spending style.
💳 Ready to build credit faster? Compare the Top Secured Credit Cards USA below and find your perfect match.
💎 Related Guides You Might Find Helpful
💎 Related Guides You Might Find Helpful
1️⃣ Best Secured Credit Cards with Cashback USA & Canada Compare top secured cards that help build credit fast and earn rewards.
2️⃣ Credit Card Rewards Guide — Earn More from Every Swipe Learn how to maximize cashback and bonus categories every month.
3️⃣ Best Travel Credit Cards USA — Rewards & Perks Explore flexible travel cards with no annual fees and exclusive rewards.
4️⃣ How to Build Credit Fast in USA (Beginner’s Guide) Step-by-step plan for newcomers and students to grow credit responsibly.
📰 About the Author & Editorial Integrity
Written by Alex Carter, Senior Editor & Financial Strategist at Top Credit Quote, an independent U.S.-based affiliate resource helping readers make smarter credit and financial decisions through verified data, expert analysis, and transparent recommendations.
Since 2018, Alex has focused on simplifying complex credit topics, maximizing rewards, and helping Americans and newcomers build strong financial confidence. With over a decade of industry insight, his work ensures clarity, accuracy, and unbiased guidance for every reader.
Every article on Top Credit Quote follows Google’s E-E-A-T (Experience, Expertise, Authoritativeness, Trustworthiness) and FTC Affiliate Transparency Standards, guaranteeing that all reviews are data-driven, fact-checked, and free from sponsorship bias.
At Top Credit Quote, our editorial mission is simple — help users save more, earn smarter, and build lasting credit growth using trusted, research-backed strategies.
👤 Written by Alex Carter — Senior Financial Strategist & Editor, Top Credit Quote
Dedicated to helping people make confident, data-based financial moves that build long-term success in the U.S. credit market.