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Secured Visa® Card

If you need to improve or re-establish your credit history1, here's a great way to begin that process.  With the Secured Card, you'll enjoy the convenience of credit including the option to carry a balance while earning interest on your secured savings account.

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Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card.

  • Simply open a secured savings account that is pledged as security for your credit card account.
  • Merchants and retailers won't know your card is secured when you use it to make purchases.
Cardmember Benefits

Consumer credit cards also come with a variety of important features, including: extended warranty coverage, auto rental collision damage waiver coverage, and zero fraud liability.2  See Consumer Card Features and Benefits for a complete listing of all card benefits.

Special Offers

Receive up to a $5,000 credit limit.

Purchase APR

Variable APR currently 23.24%.*  See Terms and Conditions for complete details.

Annual Fee

$35 Annual Fee

Minimum Requirements

Applicant must be 18 years of age, have a U.S. address and a Social Security number. A minimum security deposit of $300 is required ($5,000 maximum).


We may change APRs, fees, and other Account terms in the future based on your experience with Elan Financial Services and its affiliates as provided under the Cardmember Agreement and applicable law.

  1. Late payments and going over the credit limit may damage your credit history.
  2. Elan Financial Services provides zero fraud liability for unauthorized transactions.  Cardholder must notify Elan Financial Services promptly of any unauthorized use.  Certain conditions and limitations may apply.

The creditor and issuer of these Cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., Mastercard International Incorporated, and American Express. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated. American Express is a federally registered service mark of American Express.