A Card for Building Better Credit
The Visa Platinum Secured credit card is a powerful financial tool for individuals ready to bump up their credit scores. This card grants up to $5,000 with a competitive interest rate and low monthly payment requirement. If building or re-building credit is your goal, use the Visa Platinum Secured credit card through Members 1st for:
Stimulating but secure limits
Access enough credit for important purchases while keeping debt manageable.
Low payment obligations
Pay as little as $30 or 3% each month*.
Reasonable interest rates
Benefit from a competitive variable interest rate.
Advantages of Credit Builder Credit Cards
There are many ways to benefit from a secured credit card meant to improve your standing:
- Afford important purchases: Trust that you have the financial backing for sudden expenses.
- Build credit from the ground up: Repay your balance to establish a favorable credit history that will help you qualify for larger credit lines and loans.
- Return to good credit standing: Exercise good financial habits with a secure credit card to raise your score.
- Manage your balance wherever you are: Use our digital banking tools to manage your balance and control your card at any time.
*See Visa Platinum Secured disclosure for additional information
Frequently Asked Questions
You can spend up to your credit limit. Your credit limit will range from $300-$5,000 depending on your qualifications.
You'll qualify for a higher credit limit as you use your card and submit payments.
You can submit payments online through our Members 1st digital banking services or in person at a nearby branch.
Yes, the Visa Platinum Secured card comes with a variable interest rate.
You may be subject to a late fee for payments you submit five or more days past the due date. You can learn more about late fees on the disclosures page.
You can request a replacement online or at a local Members 1st branch for a $10 fee.
The Visa Platinum Secured card is only available to use inside the United States.
There is a low $25 annual fee to maintain your Visa Platinum Secured card.
Ready to Apply?
You can begin using the Visa Platinum Secured credit card by completing a quick online application. You must be a part of our family to apply, so become a member today and apply for a Visa Platinum Secured card when you're ready!Apply Now