Visa Secured
Credit Card

Apply Now

No annual fee

No foreign transaction fee

No balance transfer fee

No cash advance fee

Build or rebuild your credit

If your credit score is too low or you don’t have enough credit history to qualify for a regular credit card, a secured card could be the answer.

Secured cards work just like regular credit cards with one key difference: you provide a deposit that becomes your credit limit. Use your card for everyday purchases, make on-time payments, and watch your credit score grow.

Apply Now

Find your best credit card

Compare all our credit cards or stop by a branch to discuss your options. We’ll help you choose the best card for your needs.

Compare All Credit Cards

Learn how secured credit cards work

Make a deposit

When you open a secured card, you make a deposit that acts as collateral and typically becomes your credit limit.

Get your card

Your deposit is held securely in a savings account and is refunded to you when you close your account or upgrade to a regular credit card.

Spend responsibly

You use your secured card responsibly just like any credit card – every on-time payment gets reported to the major credit bureaus.

Build credit

Over time, that positive payment history builds your credit score.

Move up

With a stronger credit score, you may qualify for other credit cards that offer more rewards and perks.

Is a secured credit card right for you?

You could benefit from a secured card if you have little or no credit history, you've struggled in the past and need a fresh start, or you're worried about overspending and want to keep it under control.
Apply Now

Visa Secured Credit Card Details

Purchase APR

18.00%

A purchase APR (Annual Percentage Rate) is the interest rate applied to standard credit card purchases if you do not pay your balance in full by the due date.

Balance Transfer Fee

$0

How much it costs to move other credit card balances to this card.

Annual Fee

$0

The price you pay to have your card.

Foreign Transaction Fee

$0

The fee you pay when you make a purchase with your card in another country or currency.

Visa Secure Credit Card FAQs

A Visa Secured Credit Card is a credit card designed to help you build or rebuild credit by using a refundable security deposit as collateral.

Your deposit is held in a secure savings account and acts as collateral. It is refunded when you close your account or upgrade to an unsecured credit card.

You can apply online in minutes or visit a branch to apply in person.

Secured cards may be helpful for people with little or no credit history, individuals rebuilding credit after financial difficulties, students or young adults just starting out, and anyone who wants to control spending with a set credit limit.

Your credit limit is typically based on the amount of your security deposit.

Interest Rate and Interest Charges

Annual Percentage Rate (APR) for Purchases

18.00%

APR for Balance Transfers

18.00%

APR for Cash Advances

18.00%

How to Avoid Paying Interest On Purchases

Your due date is at least 27 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date.

Minimum Interest Charge

None

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore.

Fees

Annual Fee

None

Transaction Fees

Balance Transfer

None

Cash Advance

None

Foreign Transaction

None

Penalty Fees

Late Payment

$20

Return Payment

$15

How We Will Calculate Your Balance: We use a method called “average daily balance (including new purchases).” See your credit card agreement for more details.