Secured credit card

Keystone Secured Card review

A secured credit card is the most common first step for newcomers building a US credit history. You put down a refundable deposit, which usually becomes your credit limit, and use the card like any other.

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Our rating

4.6 / 5

Who it’s for

People with no US credit history who have an SSN or ITIN and can set aside a deposit.

Cost

$0 annual fee · refundable deposit from $200

How to get started

Apply online with your SSN or ITIN and US address
Fund the refundable security deposit
Use the card for one small recurring bill
Pay the full balance on autopay each month
Ask about an upgrade review after six months of on-time payments

Pros

Reports to all three credit bureaus
Accepts ITIN applicants
Reviewed for upgrade after 6 months

Cons

Deposit ties up cash
Low starting limit

What to watch for

Keep your balance under 30% of the limit
Check whether the issuer reports to all three bureaus
Read the terms for any annual or monthly fees

Verdict

A simple, low-risk way to start a credit file. Pair it with autopay and it does most of the work for you.

Frequently asked questions

Do I get the deposit back?

Typically yes, when you close the account in good standing or upgrade to an unsecured card.

Will applying hurt my score?

A new application may cause a small, temporary dip. With no history yet, the effect is usually minor.

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