Independent credit card comparisonsAdvertiser Disclosure
BestCreditCardsGuide
USF Secured Visa® card

USF Secured Visa®

By the Best Credit Cards Guide editorial team · Information from the original card page, updated May 28, 2025

Annual fee
None
Recommended credit
Poor / No Credit Required
Card network
Visa
Regular purchase APR
14.24% variable based on the Prime Rate
Apply Now for USF Secured Visa® (opens in a new tab)Compare this card
Check before you apply: the rates, fees and offers on this page are as listed on the original card page (updated May 28, 2025) and may have changed. Confirm current terms on the issuer’s website. Best Credit Cards Guide may be compensated by some issuers; see our Advertiser Disclosure.

At a glance

The USF Secured Visa® gives those with bad credit (or no credit) the financial freedom of a full-fledged credit card. Cardholders can enjoy a low, fixed-rate APR for purchases, balance transfers, and cash advances for no annual fee.

Our review of the USF Secured Visa®

Are you looking to rebuild your credit or establish credit for the first time? The USF Secured Visa® is a fantastic option for college students, alumni, faculty, and anyone looking to improve their creditworthiness. This secured card offers a competitive fixed-rate APR of around 10%, making it a financially feasible choice for those with Excellent credit or limited credit history.

Key Features of the USF Secured Visa® Card

  • Flexible Credit Limit: Unlike most secured cards, the USF Secured Visa® doesn’t have a firm maximum credit limit. Your credit line will be determined based on factors such as income, debt-to-income ratio, and repayment history, with possibilities of up to $25,000.
  • No Penalty APR: Enjoy peace of mind knowing that there is no penalty APR for late or missed payments.
  • Digital-Wallet Compatible: Use Apple Pay, Google Pay, or Samsung Pay for added convenience and security.
  • Visa Protections & Insurance: Benefit from Roadside Dispatch, Zero Liability, Auto Rental Collision Damage Waiver, Emergency Card Replacement & Cash Disbursement, and more.

How to Apply for the USF Secured Visa® Card

To open a secured card account, you will need a USF Federal Credit Union savings account (Secured Visa Savings) and be a member of the USF FCU. The minimum security deposit required is $300, with the potential to increase your credit limit based on your deposit amount.

Is the USF Secured Visa® Card Right for You?

Whether you’re looking to rebuild credit or need a reliable card for everyday expenses, the USF Secured Visa® offers a range of benefits without an annual fee. While it may not have specific features for credit building, responsible card usage over time can help improve your credit score. Consider this card for its low APR, flexible credit limit, and full functionality for various financial needs.

Ready to apply for the USF Secured Visa® Card? Visit the USF Federal Credit Union website to learn more and start your application process today.

Card features

Benefits as listed on the original card page. They can change; confirm details with the issuer.

  • Digital-wallet compatible
  • No penalty APR
  • Travel and accident Insurance
  • Travel and emergency assistance
  • Auto rental insurance

Who this card may suit

  • You have bad credit but want a large credit limit (potentially over $10,000)
  • You're unable to qualify for balance transfers due to your credit score
  • You may need to carry a balance
  • You need a card that’s understanding of an inconsistent financial situation
  • You want a card with no annual fee

Rates, fees and terms

Rates, fees and terms as listed on the original card page (updated May 28, 2025). Confirm current terms on the issuer’s site.
Annual FeeNone
Regular Purchase APR14.24% variable based on the Prime Rate
Balance Transfer APR14.24% variable based on the Prime Rate
Cash Advance APR14.24% variable based on the Prime Rate
Cash Advance Transaction FeeEither $10 or 2% of the amount of each cash advance, whichever is greater
Foreign Transaction Fee1% of the transaction amount in U.S. dollars
Late Payment Penalty FeeUp to $30
Return Payment Penalty FeeUp to $25
Minimum Deposit Required$500

Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Poor Credit Limited or No Credit.

Apply Now for USF Secured Visa® (opens in a new tab)View issuer terms for USF Secured Visa® (opens in a new tab)

USF Secured Visa®

Apply Now for USF Secured Visa® (opens in a new tab)

You will leave this site for the issuer’s page. Confirm current terms there.

Similar cards