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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 13.49% 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:
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
*APR = Annual Percentage Rate. Rate effective 01/2/2026.