Visa® Platinum Secured Fixed Credit Card
Looking for a secured credit card at a credit union? Our Visa® Platinum Secured Fixed Credit Card helps you build credit with a secured card backed by a refundable deposit, a low fixed rate, no annual fee, and free fraud protection.
Not a member? Join today to unlock all the financial advantages of banking with Advia.
What is a secured credit card and how does it work?
A secured credit card works like a regular credit card, but your credit limit is backed by a refundable deposit. The difference with a secured card vs. unsecured card is the deposit, which lets you build or rebuild credit with less risk. Here's what makes our credit union secured card a smart choice:
- Low fixed rate that won't change while your plan is open1
- Credit limits from $500 to $2,500 with a credit card refundable deposit1
- No annual fee
- Free fraud monitoring
- Reports to major credit bureaus to help build your credit history
Why get a secured credit card?
Whether you're just getting started or working to rebuild, a secured credit card offers real benefits. Here's why members choose the Visa® Platinum Secured Fixed Credit Card as their first step:
- Build or rebuild your credit history
- A great first credit card to build credit
- Designed for those with a limited credit history
- Fixed rate that stays predictable
- Refundable deposit returned when you close in good standing
- Secured credit card benefits like fraud monitoring and purchase protection
A fixed rate credit card that keeps things simple.
Unlike variable rate cards, where your rate can change quarterly, your Visa® Platinum Secured Fixed Credit Card locks in a low fixed rate that won't increase while your plan is open. That means predictable payments and no surprises as you work toward better credit.
How to apply for a secured credit card at a credit union.
Getting started with your Advia Credit Union secured card is simple:
Schedule an appointment at any Advia branch
Complete your application and provide your financial details
Make your refundable deposit (which sets your credit limit from $500 to $2,500)
Receive your Visa® Platinum Secured Fixed Credit Card and start building credit
Ready to start building credit?
Apply for the Visa® Platinum Secured Fixed Credit Card. Take the first step toward a stronger credit history with a card designed to help you succeed.
Tools to manage your Visa® Platinum Secured Fixed Credit Card
Your card comes with the same powerful tools included with every Advia Visa® Platinum Credit Card.
Card Security
Keep your card safe with real-time text and email alerts, fraud monitoring, and online purchase protection.
Card Management
Control your cards in Digital Banking with on/off toggles, spending limits, and travel notifications
CardSwap
Update your Advia card on file with over 50 online services in just a few clicks.
Mobile Wallet
Add your Advia cards to your mobile wallet for secure, tap-to-pay access anywhere you go
Still have questions about a Visa® Platinum Secured Fixed Credit Card?
We're here to help. Chat with Ava, schedule an appointment, give us a call, or stop by a branch.
- Credit limit of $500 to $2,500 is secured by a refundable deposit and may be applied to balance if in default. See Terms & Conditions for additional details. APR will not increase while the plan is open. Call 844.238.4228 for details.
Must be 18 or older to apply. All offers and rates are subject to change at any time. Rates and terms may vary based on creditworthiness of borrower and term of loan. Floor rates and restrictions apply. All loans subject to credit approval.