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Visa® Secured
Build your credit with responsible use
You secure your credit line with your Monterra savings, giving you financial flexibility you need.
Build your credit and create a foundation for the future
No annual fee
Rates from 14.24% APR* to 18.00% APR*
Credit limits up to $20,000
Place 110% of your credit limit in a savings account as collateral
Earn 1 Monterra Rewards point for every $1 spent toward every purchase
Tap to pay
Use as overdraft protection for your Monterra checking account
The right credit card for right now
Stop worrying whether your low (or no) credit score is holding you back and start building it up with a Visa Secured credit card.
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Plus, access exclusive Visa® specials on travel, shopping and entertainment:
Shipt
Get groceries, household items, and more, delivered in as soon as 1 hour. Enroll your card and enjoy 3 months of free membership, then 9 months of 50% off, with free delivery of $35+.
Shipt
Enjoy live music events and venue and access to presale tickets to Sofar shows. Each Sofar show features three diverse acts, with no headliner.
Additional Protection
Roadside Dispatch®— A 24/7 on-demand referral dispatch network that offers roadside assistance, towing, or locksmith service at any time you require assistance. Learn More
Auto Rental Collision Damage Waiver— Coverage is provided for damage resulting from collision or theft on rental cars. Learn More
NortonLifeLock — Offers ID Navigator Powered by NortonLifeLock to help protect against identity theft.
Learn More
Dovly — Offers a platform to help users fix, manage, and maintain their credit online for free with their card.
Learn More
Looking for an account without the hidden fees?
Get a safe place to store your savings.
The right personal loan is ready for you. Get the funds you need for your expenses and projects, affordably.