Card options for 300-579 (rebuilding credit)
For this band, prioritize low-deposit secured cards, full bureau reporting, and predictable fees over rewards.
What are card options for 300-579 (rebuilding credit)?
What are card options for 300-579 (rebuilding credit)? For this band, prioritize low-deposit secured cards, full bureau reporting, and predictable fees over rewards.
Recommended path
Decision checklist for this range
- Prioritize predictable fees and transparent terms over aggressive reward marketing.
- Apply only when utilization and payment behavior are stable for recent cycles.
- Use one clear next step: compare cards, read the matching guide, then run the tool.
Top picks for this score band
Snapshot from Best Secured Credit Cards for Rebuilding Credit. Rankings prioritize fit and transparent terms for your range.
Discover it® Secured
Rewards + Cashback Match in year one
- APR / premium
- ~28.24% variable · $0 annual fee
- Credit
- No minimum (issuer review)
9.6 out of 10
Approval: Low
OpenSky® Plus Secured Visa®
Active pick — no credit check, no annual fee
- APR / premium
- ~28.99% variable · $0 annual fee
- Credit
- No score requirement
8.4 out of 10
Approval: Low
Capital One Quicksilver Secured
Flat 1.5% cash back, no FX fees
- APR / premium
- ~29.74% variable · $0 annual fee
- Credit
- No minimum (issuer review)
9.2 out of 10
Approval: Low
Capital One Platinum Secured
Lowest deposit ($49) for a $200 line
- APR / premium
- ~29.74% variable · $0 annual fee
- Credit
- No minimum (issuer review)
8.8 out of 10
Approval: Low
OpenSky® Secured Visa®
Active pick — no credit check, $200 deposit
- APR / premium
- ~25.64% variable · $35 annual fee
- Credit
- Rebuilding / recent denial
8.0 out of 10
Approval: Low
Self Visa® Secured
Active pick — $100 deposit + installment tradeline
- APR / premium
- ~27.49% variable · $0 yr 1, then $25/yr
- Credit
- No minimum (Builder Account first)
8.0 out of 10
Approval: Low
| Product | Best for | APR / premium | Credit | Rating | Actions |
|---|---|---|---|---|---|
| Discover it® Secured | Rewards + Cashback Match in year one | ~28.24% variable · $0 annual fee | No minimum (issuer review) | 9.6 out of 10 Approval: Low | Apply now |
| OpenSky® Plus Secured Visa® | Active pick — no credit check, no annual fee | ~28.99% variable · $0 annual fee | No score requirement | 8.4 out of 10 Approval: Low | Apply now |
| Capital One Quicksilver Secured | Flat 1.5% cash back, no FX fees | ~29.74% variable · $0 annual fee | No minimum (issuer review) | 9.2 out of 10 Approval: Low | Apply now |
| Capital One Platinum Secured | Lowest deposit ($49) for a $200 line | ~29.74% variable · $0 annual fee | No minimum (issuer review) | 8.8 out of 10 Approval: Low | Apply now |
| OpenSky® Secured Visa® | Active pick — no credit check, $200 deposit | ~25.64% variable · $35 annual fee | Rebuilding / recent denial | 8.0 out of 10 Approval: Low | Apply now |
| Self Visa® Secured | Active pick — $100 deposit + installment tradeline | ~27.49% variable · $0 yr 1, then $25/yr | No minimum (Builder Account first) | 8.0 out of 10 Approval: Low | Apply now |