Secured Credit Card

A smart way to work on your credit, without taking on risky debt. 

Whether you're starting your credit journey or repairing the past, our Secured Credit Card helps you create the kind of payment history lenders love, while giving you the flexibility of a credit card.
 

Here's How it Works

  • Open your Secured Credit Card with a limit from $500 to $5,000. The secured amount is held in your regular savings account.
  • Your secured funds stay safely held in your regular savings account until the card is closed.
  • Enjoy a competitive 9.99% APR¹ on purchases.
  • Use your card for everyday expenses, just pay your bill on time each month. 
  • Each on-time payment is reported to credit bureaus, helping you build credit history.
  • Once you’ve built your credit history and are ready, you may be eligible to for an unsecured credit card.

Why it Works

The Secured Credit Card is safe and structured. You can build credit history without spending borrowed money. Plus, your payments show lenders that you're responsible.2
 
Ready to take charge of your credit journey? Start your application today!
 
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No. This is a secured loan, so we don’t pull your credit when you apply.


The Share Secured Credit Card is designed to help you build a strong credit history by making consistent, on-time payments. We report your monthly payments to the credit bureaus, so staying on track is key to seeing positive results. It's a simple, safe way to show lenders you can manage credit responsibly.2


























¹ APR is Annual Percentage Rate. APR is subject to change. The rate is subject to credit certification and approval. The minimum secured credit card loan is $500 up to $5,000. An example of payment terms are as follows: an amount financed of $1,000 with an APR for 9.99% and a term of 12 months would have a monthly payment of $87.91.  Loans are subject to approval. Borrowers must be at least 18 years of age.
 
2 Results are not guaranteed. Improvement in your credit score is dependent on your specific situation and financial behavior. Even if you are paying your loan, credit problems on other accounts you own such as late payments, missed payments and other defaults may impact your credit score. This loan will not remove negative credit history from your credit report.