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All Secured Credit Cards Feature:

Build Your Credit

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If you're looking to build, or rebuild credit this card offers all the great features you're looking for!
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Credit Line You Set

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When you start this account, you also open a savings account that is pledged as a security for your credit card account. A minimum refundable security deposit of $300 ($5,000 maximum) is required to open this account.4,7
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No Annual Fee

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Both of our Secured Credit Card options allow you to save your hard-earned money by charging no annual fee.*
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YOUR CREDIT SCORE MATTERS

Credit Cards Can Help You Build Credit

Building credit from scratch or rebuilding your credit is possible when you use your credit card responsibly.

Make sure you pay your bill on time, don't use all of your credit limit (use as little as possible), don't apply for more credit applications such as personal loans or car loans while trying to build your credit when possible, and use your card regularly as long as you can pay off the bill in full each month. Explore our Secured VISA®Card features.
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DISCRETE

Your Credit Card Looks Like All Other Cards

Merchants and retailers will not know you’re using a secured credit card when you use it to make a purchase.

The card looks like all our other VISA cards with no distinguishing differences that it’s a savings secured card. You can work on building your credit with confidence.
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All Allegiance Credit Card Choices

Credit Card Types

POINTS

No Point Limits

Earn up to 4X points on everyday spending with the VISA Signature® Everyday Rewards+ Card.

There are no point cap limits and you’ll have up to 5 years to redeem your points for travel rewards, cash, gift cards, or brand merchandise. The VISA Signature® Everyday Rewards+ Credit Card has everything you’re looking for!

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Cash Back

Earn Cash Back

Earn cash back in several categories and even choose which categories you'd like to earn more in.

The VISA Cash Preferred Card will help you earn the maximum cash back on your purchases!

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LOW RATES

A Great Low Rate

The VISA Platinum Card is the perfect credit card to transfer those higher-rate balances to.

If you made a large purchase or several purchases on a higher-rate card, transferring the balance to our low rate card can save you money!

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OPPORTUNITY

Build or Repair Credit Easily

If you’re starting to build credit, or need to repair a poor credit history, the VISA Secured Card can help!

You’ll have the convenience of having a credit card while still earning interest on the savings account you secure it with. You’ll be building your savings and your credit at the same time!

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REWARDS

A Student Card That Earns Rewards

Earn points on your purchases with no points cap limits! You even have up to 5 years to use your rewards AND you can receive 2,500 BONUS POINTS after you start using the card.

This VISA Signature College Real Rewards card offers the same type of benefits and rewards as other cards, for students!

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EARN MORE

Make Travel More Rewarding

Travel More. Earn More. Repeat.

Our Travel Credit Cards let you redeem your points for travel, cash back, merchandise, or brand name gift cards. 

Make travel more relaxing with airport perks and who would pass on a cash bonus?

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Which Card Is Right For You

Not sure which card is right for you? Check out our credit card comparison page to see a side-by-side comparison of card rewards, features, and benefits to choose the one that will work best for you.

If you’re still unsure, contact us for more information.

SUCCESSFUL BUDGETING

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What this guide includes:

Free budgeting templates and expert tips.

Money-saving tips and templates to help you manage your monthly budget successfully.

  1. Why you need a budget
  2. Keeping track of your expenses
  3. Setting realistic savings goals 
  4. Ways to stretch your budget
  5. Growing emergency savings 
STRENGTHEN YOUR FINANCES

Secured Card (No Rewards)

SECURED VISA® CARD:

  • Provides an excellent opportunity for someone starting a credit history or for someone who has been turned down for a credit card. If you need to improve or re- establish your credit history,7 here's a great way to begin that process.
  • Enjoy the convenience of credit, including the option to carry a balance.
  • Earn interest on the money in your secured savings account.
BUILD YOUR CREDIT AND EARN REWARDS

Secured Credit Card (with Rewards)

MAX CASH SECURED VISA® CARD:

  • Make improving your credit score even more rewarding with 5% cash back on first $2,000 of combined quarterly purchases in two categories like: TV, internet & streaming services, home utilities, cell phone providers and more!1
  • 2% unlimited cash back on your choice of one everyday category like gas stations and EV charging stations or grocery stores.**
  • 1% unlimited cash back on all other eligible purchases.
  • Redeem cash back for deposits into eligible checking or savings accounts, statement credits or rewards cards.1 

    **excludes discount stores/supercenters and wholesale clubs
*THE FINE PRINT

The Elan Rewards Program is subject to change. Rewards are earned on eligible net purchases. Net purchases are purchases minus credits and returns. Not all transactions are considered to be Purchases and eligible to earn rewards, such as transactions posting as Convenience Checks; Balance Transfers; Advances (including ATM withdrawals, wire transfers, traveler's checks, money orders, foreign cash transactions, betting transactions, and lottery tickets); interest charges and fees; credit insurance premiums; and transactions to (i) fund certain prepaid card products, (ii) buy currency from the U.S. Mint, or (iii) buy cash convertible items. Upon approval, see your Cardmember Agreement for details. Subject to applicable law, you may not redeem rewards, and you will immediately lose all of your rewards, if your Account is closed to future transactions (including, but not limited to, due to Program misuse, failure to pay, bankruptcy, or death).

1. Max Cash Preferred Card and Max Cash Secured Card: Cardmember must initially enroll into categories of their choice, or all net purchases will earn no more than 1% cash back. Categories are subject to change. You will earn 5% cash back on your first

$2,000 in combined net purchases each calendar quarter in your two chosen 5% categories and unlimited cash back in your 2% category. All other net purchases earn 1% cash back. IMPORTANT CHANGE: Effective April 22, 2025, all purchases in the following everyday categories: Grocery Stores/Grocery Delivery and Gas Stations/EV Charging Stations at wholesale clubs and discount stores/supercenters such as Target and Walmart will only earn 1%. A purchase will not earn additional cash back if the merchant's selected code is in a category that is not eligible for additional cash back earning. We do not determine the category codes that merchants choose and reserve the right to determine which purchases qualify for additional cash back. Upon approval, full details will be provided in your Cardmember Agreement. Cash rewards can be redeemed as a deposit to a checking or savings account with this Financial Institution only, which will be deposited within seven business days, or as a statement credit to your credit card account, which will be deposited within 1-2 statement billing cycles or as a Rewards Card. Cash back minimum redemption amounts and redemption values may vary and are subject to change without notice. Cash rewards do not expire as long as the account remains active. If there is no reward, purchase, or balance activity on your account for 12 statement cycles, your cash rewards balance will expire.

7. Late payments or going over the credit limit may damage your credit history. Your credit limit will be equal to the amount of your security deposit.

The creditor and issuer of these cards is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc. 

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.