Skip to main content

Secured Visa

A great way to build credit over time.

Call to Apply 1-800-621-2105

Secured Visa Purchases Balance Transfers
Variable APR  17.49% 17.49%
Balance Transfer Fee  3%

APR stands for Annual Percentage Rate. Subject to credit approval. Additional limitations, terms, and conditions apply. Rate effective November 8, 2024, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Terms & Conditions.

Secured Visa

Build or rebuild your credit with responsible use.

CARD BENEFITS

  • A secured credit card that allows you to build credit over time
  • Limited credit qualifications required
  • Standard variable APR of 17.49% for purchases and balance transfers1
  • Low 3% balance transfer fee2
  • No annual fee2
  • The convenience of paying at retailers with a tap, a swipe, or a chip

HOW THE CARD WORKS

  • You deposit funds to an Elements account as a security deposit, which becomes the card’s credit limit
  • Use your credit card and make at least minimum payments on time to build your credit over time
  • Your payment and balance history will report to all three of the major credit bureaus

MAY BE A GOOD CHOICE IF

  • You want to build your credit
  • Trade-off: Requires an account deposit, which is held as collateral for your account

How Long Will it Take to Pay Off My Credit Card?

Credit Card Payoff Calculator

Results

Total interest $____
  1. 1 APR stands for Annual Percentage Rate. Subject to credit approval. Additional limitations, terms, and conditions apply. Rate effective November 8, 2024, and will vary with the market based on the Prime Rate as published in The Wall Street Journal. Terms & Conditions.
  2. 2 Secured Visa Credit Card Transaction Fees — Credit Card Balance Transfer: 3% or a minimum of $5.00. Credit Card Cash Advance: Up to 3% for each Cash Advance or a minimum of $5.00. Credit Card Foreign Transaction: 1% of each Foreign Transaction in U.S. dollars.
  3. 3 Based on asset size as of 12/31/2022.