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Make a better tomorrow
by building your credit today
Make a better tomorrow
by building your credit today
Start building your credit score, one purchase at a time, one on-time payment at a time, with the GO2bank Secured Visa® Credit Card
Start building your credit score, one purchase at a time, one on-time payment at a time, with the GO2bank Secured Visa® Credit Card
No credit check** Available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply.
No annual fee** Annual Percentage Rate is 22.99% and is accurate as of 1/1/2023. For additional information about Annual Percentage Rates, fees and other costs, see the GO2bank Secured Credit Cardholder Agreement and Security Agreement (PDF).
Credit limit starting at $100
Monthly credit bureau reporting
When it comes to getting a line of credit, other banks’ options just might not fit your needs or may be too complicated. Build credit on your own terms with a low security deposit and responsible use of the GO2bank Secured Visa® Credit Card.
How the GO2bank Secured Visa® Credit Card helps you build credit
Use your card in-store and online
Spend only what you can pay back
Keep your monthly balance low
Below 50% of your credit limit is a good practice
Make your payment on-time each month
Check the due date in the app or GO2bank.com
We'll report your payments
Each month we'll report your payment history to the 3 credit bureaus
Use your card in-store and online
Spend only what you can pay back
Keep your monthly balance low
Below 50% of your credit limit is a good practice
Make your payment on time each month
Check the due date in the app or GO2bank.com
We'll report your payments
Each month we'll report your payment history to the 3 credit bureaus
How to get started
Set up direct deposit on your GO2bank account.
Receive direct deposits totaling at least $100 in the past 30 days.
Easily apply for a GO2bank Secured Visa® Credit Card online.** Available only to GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days. Eligibility criteria applies. Other fees apply.
Activate your card and transfer at least $100 from your GO2bank account to make your security deposit and set your credit limit.
Meet your new credit-building partner
Learn more about how you can start building or repairing your credit over time with a partner on your side.
Your credit score and why it matters
Credit score
Your credit score is based on factors like your payment history, amount owed, and length of your credit history. With the GO2bank Secured Visa® Credit Card, you can track your credit score each month for free with VantageScore® powered by Equifax®!
Credit reporting
At the end of every month, we’ll report your credit standing to the 3 major credit bureaus- Experian®, Equifax®, and TransUnion®. When you use your card responsibly, that history of good credit standing will help you build credit.
Benefits of credit
A good credit score can help you get lower interest rates from creditors, reduce security deposit requirements on new loans or services, and prepare for a brighter future.