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VISA Secured Credit Card


Benefits of a Best Reward Federal Credit Union VISA Secured Credit Card

Easier Qualifying

The funds in your Share Savings Account** serve as collateral so you can qualify more easily.

Build Your Credit

Make regular, timely payments to establish, repair, or build your credit and secure your future.

Affordable Rate

Get a competitive APR* and choose to pay off your balance each month to avoid any interest.

No Annual Fee

Plus, no over-the-limit fee, no cash advance fee, no transaction fee, and no penalty APR.


VISA Secured Credit Card Details

A secured credit card lets you build your credit so you can access more financing when you need it. All you have to do is make timely payments each month.

  • Your APR is based on your credit score.*
  • Your credit limit is secured by funds in your Share Saving Account.**
  • No over-the-limit fee
  • No cash advance fee
  • No transaction fee
  • No penalty APR

Apply Now

A woman uses her secured credit card to make a purchase on her phone.


See Our Secured Credit Card Rates

Secured VISA Credit Card Variable 14.24% None People who want to establish, repair, or build credit history



Simple Application Process for our VISA Secured Credit Card




Apply Online

Enter your personal and financial details into our secure online form.



Get Approved

We'll check your savings balance and offer you a rate and credit limit.



Receive Your Card

Make small purchases and pay off your balance to boost your credit score!


Get Started

"Awesome place and people." – Reggie A. Snr, Walton Hills, OH.

Bonus Features of a Best Reward Federal Credit Union Secured Credit Card


Easy Payment Options

Choose if you want to make payments online, in-person, over the phone, or by mail.

24/7 Access

Use Online Banking or our Mobile App to conveniently manage all your needs.

Free eStatements

Check your transactions and balances each month to prevent fraud and detect errors.

No Fraud Liability

VISA guarantees you're not accountable for unauthorized transactions.

Protection From Fraud

Customize your account alerts to suit your preferences so you stay ahead of fraud.

Free Phone Support

Call our phone service anytime to check your account balances, make payments, and more.


Ready to Turn Your Credit Around?



VISA Secured Credit Card FAQs

How does a secured credit card work?

A secured credit card means that you provide the funds in your Share Savings Account as collateral in case you don't make your payments. This means Best Reward FCU can offer a credit card to people with no credit or bad credit, who may not qualify for an unsecured credit card.

  • While your secured credit card account is open, you do not have access to some or all of your savings funds.
  • The amount of your savings used as collateral may determine your credit limit.
  • If you don't make your payments, you will not get your collateral savings funds back.
  • You can build your credit by making timely, monthly payments as your payment history makes up about 35% of your credit score.
  • For best results, pay off your balance in full each month as this will improve your credit utilization rate, or debt-to-credit ratio, which determines about 30% of your credit score.

How long will it take to improve my credit?

What are the benefits of a better credit score?

What rate and credit limit will I get for my secured credit card?

What fraud protections come with a secured credit card?

What fees do I need to pay?

Do I need to be a member of Best Reward FCU to get a credit card?

How do I become a member of the credit union?

What documents do I need to provide when I apply for membership?


More Useful Financing Tools from Best Reward Federal Credit Union


A woman enjoys shopping and collecting credit card rewards.

VISA Platinum Rewards Credit Card

Enjoy all the benefits of our VISA Platinum Credit Card plus collect points to redeem for gift cards, merchandise, and travel.**


A man is happy to be approved for a personal loan.

Personal Loans

Get a lump sum of cash to use for any purpose with a competitive rate and terms of up to 48 months. No collateral is needed!


A man checks his credit score after making payments on a share secured loan.

Share Secured Loans

If you need to build or repair your credit, this low-interest loan lets you borrow against the funds in your savings or certificate account, with flexible terms.



APR = Annual Percentage Rate. The APR is subject to change to reflect any change in the index and will be determined by the Prime Rate on the first day of each quarter (January, April, July, and October) of each year as published in The Wall Street Journal. All cards are subject to approval. Card limit and rate based on the credit qualifications. The Balance Transfer Fee is $5.00 or 2.00% of the amount of each balance transfer; whichever is greater (maximum fee is $50.00).

**Secured VISA cards are only available with the VISA Platinum Card and are subject to approval. All secured VISA cards are reviewed annually to determine if the account qualifies for conversion to a traditional card based on the credit qualifications and payment history. The approved credit card limit is determined upon application approval and will be on hold in the Share Savings Account.