Credit Cards

Visa® Platinum Secured Credit Card

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Allegacy Visa Platinum Secured Card

A secured credit card designed to help you build or rebuild credit through steady, responsible use — with the structure and support to move forward confidently 

Build credit with steady, supported progress

The Visa® Platinum Secured Credit Card is backed by a refundable security deposit you provide. With consistent, on-time payments and responsible use, you can strengthen your credit history over time—one step at a time.

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Designed specifically for credit building

This secured card works like a traditional credit card, allowing you to make everyday purchases while building positive credit history through responsible, on-time payments.

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Secured by your savings, with built-in protection

Your credit limit is backed by funds held in a secured savings account. You’ll also benefit from fraud monitoring and Visa’s zero liability protection for added peace of mind. 

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No balance transfer fees

If you transfer eligible balances, you won’t pay balance transfer fees—helping you focus on repayment without added costs.

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Worldwide Visa acceptance

Use your card anywhere Visa is accepted—at home, online, or while traveling—so you can build credit while covering everyday expenses.

Open a Visa Platinum Secured credit card in just a few steps

Getting started with a new credit card doesn’t have to be complicated. Our simple process walks you through applying, reviewing your information, and getting a decision—so you can move forward with confidence.

01
Complete your application

Share a few basic details about yourself, your income, and how you manage expenses. It’s quick and only takes a few minutes.

02
Leave it with us to review

Your credit history and ability to repay are reviewed to find the option that fits you best.

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Get a decision from our team

You’ll receive a decision with clear terms, including your credit limit and rate. If approved, your card is on its way. 

Ready to take the next step?

Apply for the Visa® Platinum Secured Credit Card and begin building credit with confidence.

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Your questions, answered

A secured credit card requires a refundable security deposit that acts as collateral for your credit limit. You use the card like a traditional credit card, and responsible, on-time payments may help you build or rebuild credit over time. 

This card requires a deposit equal to 115% of your approved credit limit. For example, a $500 credit limit requires a $575 deposit. The deposit is held in a secured savings account and remains your money. 

Responsible use and consistent, on-time payments may help strengthen your credit history. Individual results vary based on your overall credit profile and payment behavior. 

Yes. The card is accepted anywhere Visa is accepted worldwide, including in stores, online, and while traveling. 

You may request a higher credit limit by adding additional secured funds, subject to approval. Any increase must meet lending and account requirements. 

Disclosure

*APR = Annual Percentage Rate. The variable APR for purchases and balance transfers is 18.00% (maximum APR 18.00%) and will vary with the market based on the Prime Rate. Rates are based on creditworthiness. No annual fee. Other fees, including cash advance and foreign transaction fees, may apply. Membership eligibility required. Subject to credit approval. Terms and conditions may change. See Visa Platinum Benefits Guide and Visa Application and Solicitation Disclosure for details. 

Zero Liability Fraud Protection does not apply to certain transactions, including ATM and some PIN or commercial transactions. Report unauthorized use promptly. See account agreement for details.