Skip to Content
Close Icon

Secured Credit Card

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.

Image of ladies swinging

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.

Earn Rewards Points with uChoose Rewards®
Image of arrow
Connect your card to your Apple Device using Apple Pay®
Image of arrow
Protect your purchases using CardValet®
Image of arrow
Use your card to be entered to win a $1,000 Priceless Surprise® from Mastercard
Image of arrow

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.

Contact Us to Apply

Image of credit card


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

Learn More
Icon of making a loan payment

Make a Credit Card Payment

Make a Credit Card Payment
Icon of check application status

Check Application Status

Check Application Status
Icon of travel Alerts

Travel Alerts

Travel Alerts
Icon of CardValet

CardValet

CardValet
Icon of people for members benefits

uChoose Rewards

uChoose Rewards
Icon of computer

FAQs

FAQs

Aa Aa Aa