SIMPLIFY BUILDING CREDIT

No credit history? Low credit score? Rebuilding after a financial setback?

The CWCU Platinum Secured Visa was designed for exactly where you are right now.

Whether you're just getting started or working to rebuild your credit, qualifying for a credit card can feel out of reach. We understand. That's why we created a simple, straightforward way to help you establish positive credit habits and move toward your financial goals.

Plus, we'll reward you for your progress along the way.

No credit check. No annual fee. No judgment. Just a path forward.

APPLY NOW

The card at a glance

  • No annual fee
  • Secured by your savings: your deposit backs the card
  • Digital banking: check your balance and pay your bill online or in the mobile app
  • Payment history: make on-time payments to build a track record


How it works

  1. Become a member and open a savings account.
    If you're not a member yet, it's quick to join. 
  2. Apply for the card.
    Applications are reviewed under our standard credit union criteria.
  3. Make your deposit.
    Your deposit of at least $500 secures the card. 
  4. Use it, pay on time, build history.
    Your due date is 25 days after the close of each billing cycle, and you won't pay interest on purchases if you pay that balance by the due date.

Why a secured card?

Credit history is built over time, one on-time payment at a time. A secured card gives you a straightforward way to begin, or to start fresh. Your savings deposit secures the card, and your responsible use can help you build a positive payment history.

  • Your security deposit determines your credit limit. The current minimum deposit requirement is $500.

  • We report your payment history to all three major credit bureaus each month. Responsible credit use and on-time payments can help you establish and strengthen your credit history over time.

  • That's exactly what this card was designed for. You don't need an existing credit score to get started.

  • Yes. Because your deposit secures the account, no credit check is required.

  • Absolutely. Many members use secured credit cards as a tool to rebuild their credit after financial setbacks.

 Ready to Take the First Step? 

Building credit doesn't happen overnight, but every positive step matters. The CWCU Platinum Secured Visa gives you a practical way to establish credit, earn rewards, and build confidence in your financial future.

No credit check. No annual fee. Real progress.


 APPLY NOW 


Questions? We're happy to help. Call 800-950-4536, stop by a branch, or schedule an appointment with a member service representative.