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Secured Card

Rebuild or Jumpstart Your Credit

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Credit Card Rate

Secured Credit Card

Building or rebuilding credit is key to securing a healthy financial future. A Secured Credit Card from Rivermark can help.  

Having a history of on-time payments will help your credit. A Secured Credit Card allows you to borrow against your savings and build a positive payment history in the process. 

  • No annual fee
  • No balance transfer fee
  • No cash advance fee
  • Mobile wallet compatible
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Compare Our Cards

Platinum Cash Back Secured
Best For Carrying a balance and balance transfers Generous cash back on all purchases Building or rebuilding credit
Rates as low as 9.15% APR* as low as 13.75% APR** 10.90% APR***
No Annual Fee
No Balance Transfer Fee
Earn Rewards
Digital Wallet

Additional Card Benefits

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Auto Rental Insurance – Basic

Auto Rental Collision Damage Waiver (ARCDW) gives your eligible Visa cardholders insurance coverage for physical damage and theft, reasonable and customary towing and valid loss-of-use charges and administrative fees when they reserve and pay for a rental car with their covered account. In order for coverage to apply, the cardholder must use the covered account to secure transactions.
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Lost Luggage Insurance – up to $1,250

Lost Luggage Reimbursement will reimburse the eligible Visa cardholder for the difference between the value of the amount claimed and the common carrier’s payment when the cardholder checked luggage and contents are lost due to theft or misdirection by the common carrier (e.g., airline, rail, bus, ferry). In order for coverage to apply, the cardholder must use the covered account and/or rewards program associated with the covered account to secure transactions.
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Travel Accident Insurance - $250,000

Travel Accident Insurance provides accidental death and dismemberment coverage when the eligible Visa cardholder purchases the passenger fare with the covered account. Coverage is in effect on the common carrier (e.g., flight, rail, bus, ferry, cruise ship), as well as while on courtesy ground transportation to and from the airport (or train depot, bus terminal, etc.), between terminals and when the cardholder is at the airport immediately before departure or immediately after arrival on any covered trip. Certain terms, conditions and exclusions apply. In order for coverage to apply, the cardholder must use the covered account to secure transactions.

Frequently Asked Questions

  • It can be difficult and expensive to get a credit card when your credit is bruised. But having a history of on time loan payments makes up 35% of your credit score. Borrowing against your savings gives you an affordable way to build a positive payment history.

  • Yes. There is no cash advance fee or overdraft transfer fee for using your credit card for Overdraft Transfer. However, interest will begin accruing immediately on the portion of the balance that was used for Overdraft Transfer.

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*Best for members who want to consolidate and pay down higher interest debt. Credit limits from $250 to $30,000. The APR (Annual Percentage Rate) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. Except where otherwise indicated, the APR is accurate as of the date shown above and is subject to change without notice. Rates are based on your credit history and current credit report. All loans are subject to underwriting approval. Foreign currency conversion fee up to 1% may apply. Annual Percentage Rate is for purchases, cash advances, and balance transfers. No Annual Fee, Cash Advance Fee, or Balance Transfer Fee. Please contact us for rates and terms specific to your loan request.

**Earn 1.5% unlimited cash back with every purchase. Credit limits from $5,000 to $50,000. The APR (Annual Percentage Rate) is variable and is based upon an index plus a margin. The APR will vary with Prime Rate (the index) as published in the Wall Street Journal. Except where otherwise indicated, the APR is accurate as of the date shown above and is subject to change without notice. Rates are based on your credit history and current credit report. All loans are subject to underwriting approval. Foreign currency conversion fee up to 1% may apply. Annual Percentage Rate is for purchases, cash advances, and balance transfers. No Annual Fee, Cash Advance Fee, or Balance Transfer Fee. Please contact us for rates and terms specific to your loan request. Cash Back Rewards Terms & Conditions: https://www.rivermarkcu.org/cash-back-card-rewards-terms

***Best for members who need to rebuild and strengthen their credit. Credit limit starts at $250, backed by deposit. The APR (Annual Percentage Rate) is fixed. Except where otherwise indicated, the APR is accurate as of the date of this Rate Sheet and is subject to change without notice. All loans are subject to underwriting approval. Foreign currency conversion fee up to 1% may apply.

Credit Card Terms & Conditions