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Build Your Credit

If you're looking to build, or rebuild, credit this card offers all the great features you're looking for! Learn more about our Secured Credit Card.

  • Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re-establish your credit history6, here's a great way to begin that process.
  • Enjoy the convenience of credit, including the option to carry a balance.
  • Pledge an amount in your savings account to serve as collateral. Your savings still accrues interest at the regular rate of return meaning you’re still making money on your savings!
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Credit Cards Can Help You Build Credit

Building credit from scratch or rebuilding your credit is possible when you use your credit card responsibly.

Make sure you pay your bill on time, don't use all of your credit limit (use as little as possible), don't apply for more credit applications such as personal loans or car loans while trying to build your credit when possible, and use your card regularly as long as you can pay off the bill in full each month. Explore our Secured VISA®Card features.
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Your Credit Card Looks Like All Other Cards

Merchants and retailers will not know you’re using a secured credit card when you use it to make a purchase.

The card looks like all our other VISA cards with no distinguishing differences that it’s a savings secured card. You can work on building your credit with confidence.

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No Point Limits

Earn 1.5 points for every eligible $1 spent with the VISA Signature Real Rewards Card.

There are no point cap limits and you’ll have up to 5 years to redeem your points for travel rewards, cash, gift cards, or brand merchandise. This points rewards card has everything you’re looking for!

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Earn Cash Back

Earn cash back in several categories and even choose which categories you'd like to earn more in.

The VISA Cash Preferred Card will help you earn the maximum cash back on your purchases! The first time we 

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A Great Low Rate

The VISA Platinum Card is the perfect card to transfer those higher-rate balances to.

If you made a large purchase or several purchases on a higher-rate card, transferring the balance to our low rate card can save you money!

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Build or Repair Credit Easily

If you’re starting to build credit, or need to repair a poor credit history, our VISA Secured Credit Card can help!

You’ll have the convenience of having a credit card while still earning interest on the savings account you secure it with. You’ll be building your savings and your credit at the same time!

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A Student Card That Earns Rewards

Earn points on your purchases with no points cap limits! You even have up to 5 years to use your rewards AND you can receive 2,500 BONUS POINTS after you start using the card.

This VISA Signature College Real Rewards card offers the same type of benefits and rewards as other cards, for students!

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Which Card Is Right For You

Not sure which card is right for you? Check out our credit card comparison page to see a side-by-side comparison of card rewards, features and benefits to choose the one that will work best for you.

If you’re still unsure, contact us for more information.

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Claim your FREE copy!

What this guide includes:

Free budgeting templates and expert tips.

Money-saving tips and templates to help you manage your monthly budget successfully.

  1. Why you need a budget
  2. Keeping track of your expenses
  3. Setting realistic savings goals 
  4. Ways to stretch your budget
  5. Growing emergency savings 


VISA® Secured Card Legalese

Net purchases are purchases minus credits and returns. Not all transactions are eligible to earn rewards, such as Advances, Balance Transfers and Convenience Checks. Upon approval, see your Cardmember Agreement for details. You may not redeem Points, and you will immediately lose all of your Points, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

6 Late payments and going over the credit limit may damage your credit history.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A.

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