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To generate our list of the best secured credits, Forbes Advisor regularly reviews the secured credit cards in our database and compares them on a variety of factors, including:
- Eligibility requirements: 20%
- Estimated annual earnings: 20%
- APR: 15%
- Annual Fee: 15%
- Rewards flexibility: 5%
- Other fees and benefits: 25%
Forbes Advisor rates cards both as stand-alone products (the card rating on the review) and compared to others in a specific use case (the card rating you see on a specific “Best” list). The rating for each card changes on different “Best” lists according to how a person looking for a card in that category may value certain card features.
For instance, a card that might be considered mediocre on a list of rewards cards could be the top card on a list of rewards cards with no annual fee. That’s because the card might offer limited features compared to other rewards cards, but after we remove cards that charge an annual fee, it’s the best card that remains.
To learn more about our rating and review methodology and editorial process, check out our guide on how Forbes Advisor rates credit cards.