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Credit Builder Secured Visa

Build or repair your credit with on-time payments to get on solid financial footing. 

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Secure your future with a credit building Visa

Maybe you've hit some financial rough spots. Maybe you're starting your financial journey. In either case, you might find it difficult to qualify for a credit card. Not with Market USA. We offer the Credit Builder Secured Visa® specifically for people who need to establish or rebuild a positive credit history.

You can get approved for this card regardless of your credit score. And you use the savings in your Market USA account to create your credit line and borrow against that money at a lower rate, all while your savings continue to grow in your Market USA account. As you make payments on time each month, you can steadily increase your credit score.

  • No credit score required
  • Reports to major credit bureaus
  • Ideal for first-time credit users or those rebuilding credit
  • Credit lines available from $200 - $5,000
  • Available credit secured by the funds in your savings account
  • No annual fee or cash advance fee
  • Transfer your higher-rate balances to save money for no fee

Credit Card Rates
6 Month Introductory APR for Purchases & Cash Advances

Visa Platinum
0.00%

Visa Platinum Rewards
0.00%

Credit Builder Secured Visa
N/A

Annual Percentage Rate* (APR) for Purchases

Visa Platinum
13.50% - 18.00%

Visa Platinum Rewards
14.50% - 18.00%

Credit Builder Secured Visa
16.99% - 18.00%

Cash Advance APR

Visa Platinum
13.50% - 18.00%

Visa Platinum Rewards
14.50% - 18.00%

Credit Builder Secured Visa
16.99% - 18.00%

Variable Rate Information

Your actual APR may vary and is based on prime and your credit history. A margin between 6.00% - 16.00% is added to the highest Prime Rate* as published in the Wall Street Journal "Money Rates" Table.

Grace Period for Purchases

25 Days

Method of Computing the Balance for Purchases

Average Daily Balance (Including new purchases)

Annual Fee

None

Balance Transfer Rate

Same as purchase rate

Paying Interest

Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date

Transaction Fees

a. Foreign Transaction Fee - 1.00% of each transaction in U.S. dollars

Penalty Fees

a. Late Payment Fee - Up to $25.00
b. Returned Payment Fee - Up to $25.00

Rates effective as of 8/23/2025.

Rate Disclosures


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Visa® Credit Card Contacts

  • 24-Hour Member Service: (833) 574-3440

Market USA Federal Credit Union is a full-service financial institution with locations in Maryland and South Carolina as well as nationwide locations through the Shared Branch Network.