Visa Secured Credit Cards

Visa Secured Credit Cards

This page contains a list of all the secured credit cards currently offered by Visa, along with a brief synopsis of the features and fees of each card.

AeroMexico Visa® Secured Card

This is card is offered through US bank in partnership with AeroMexico and is one of the few secured cards with a rewards program. After a period of one year card holders are eligible to upgrade their card to an unsecured card (US Bank usually requires a FICO score of 680+ and excellent payment history of the AeroMexico card). If approved they’ll be granted the AeroMexico Visa® Card. Below are the features for the secured card:

  • $25 annual fee, waived first year
  • 22.99% APR
  • $300 minimum security deposit
  • Earn 1 AeroMexico mile per dollar spent (2 miles for gas & groceries)
  • 5,000 AeroMexico miles after first purchase
  • 10% off AeroMexico purchases
  • Free $99 companion pass on renewal

Full review of AeroMexico Visa Secured Card

LANPASS Visa® Secured Card

Another card offered through US bank, this time in partnership with LAN, it also has a rewards program. After a period of one year card holders are eligible to upgrade their card to an unsecured card (this requires a FICO of 680+ and excellent payment history of the LANPASS secured card). If approved they’ll be granted the LANPASS Visa® Card. Below are the features of the secured card:

  • $25 annual fee, waived first year
  • 16.24% APR
  • $300 minimum security deposit
  • Interest granted on security deposit
  • Earn 1 LANPASS mile per dollar spent
  • 10,000 bonus miles after first purchase
  • 10% off LANPASS purchases (up to a maximum of $500 per annum, can only be used once per year)

LifeMiles Visa® Secured Card

Another card offered through US bank, this time in partnership with Avianca and their LifeMiles loyalty program. After a period of one year card holders can opt to upgrade to LifeMiles Visa® Card, this assumes they have a FICO score of above 680 and excellent payment history on their current card. Below are the features of the secured card.

  • $25 annual fee, waived first year
  • 22.99% APR
  • $300 minimum security deposit
  • Interest granted on security deposit
  • Earn 1 LifeMile per dollar spent
  • 5,000 bonus miles after first purchase
  • 15% excess baggage redemption

Harley-Davidson® Visa® Secured Card

Offered by US bank yet again in partnership with Harley-Davidson. Card holders can opt to upgrade to the unsecured version of this card after holding it for twelve months. US bank requires excellent payment history and a FICO score of usually above 680 to be approved for this upgrade.

  • No annual fee
  • 22.99% APR
  • $300 minimum security deposit
  • Interest granted on security deposit
  • Earn 1 point per dollar spent
  • $10 in Harley Davidson chrome cash as a sign up bonus
  • Chance to win Harley Davidson motorcycle

Navy Federal nRewards Secured Card

This card is offered by Navy Federal and as both a Visa & Mastercard (depending on preference). After the 12th statement cycle (usually 13 months after receiving the card) Navy Federal automatically upgrades this card to the unsecured version called Navy Federal nRewards.

  • No annual fee
  • 8.99%* APR
  • $500 minimum security deposit
  • Interest granted on security deposit
  • Earn 1 point per dollar spent
  • Only available to Navy Federal members (must be an active or ex member of the military)

*The APR on this card varies based on the applicants credit score & history.

DCU Visa Platinum Secured Credit Card

This card is offered by DCU credit union. DCU doesn’t offer graduation to an unsecured card, you’ll need to make a fresh application for any of their unsecured cards.

  • No annual fee
  • 11.50% APR
  • $500 minimum security deposit
  • Interest granted on security deposit
  • No rewards program
  • Only offered to members of DCU. Click here to learn how you can become a member of DCU for $15 per year. This also grants you access to their checking account that provides free access to FICO scores.
  • Doesn’t graduate to an unsecured card.

Wells Fargo Secured Card

This card is offered by Wells Fargo.

  • $25 annual fee
  • 18.99% APR
  • $300 security deposit
  • No rewards program

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