Build Your Credit with a Set Limit
If you’ve never had a credit card before, or your credit isn’t where you want it to be, a secured credit card is a great way to build your credit and manage your debt while maintaining the ability to make easy purchases and earn rewards.

Card Benefits
A secured credit card allows you to set your limit. You deposit cash that is held by American First. This cash is used as collateral to cover the balance on the account if you fail to make payments. The benefits of using a secured credit card include:
- Build your credit history if you have not had a credit card before
- You can rebuild your credit if you’ve made mistakes in the past
- Stay in control of your card using CardValet
- No cash advance, balance transfers or annual fees
- Manage your card and make payments within online and mobile banking
- Zero liability protection
- Mastercard® Global Services
- Mastercard ID Theft Protection
The best way to build your credit is to use your secured credit card responsibly and make your payments on time each month. Paying your balance may lead to an increase in your credit limit as well.
Apply for a Secured Credit Card
If you’d like to apply for a secured credit card, call us or visit a branch to get started.

A one-time $5 lifetime membership fee may apply.