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Visa Platinum Secured

Build or repair your credit with on-time payments to get on solid financial footing. 

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Borrow against your Market USA savings for a lower rate on your credit line

Maybe you've hit some financial rough spots. Maybe you're starting your financial journey. In either case, you might find it difficult to qualify for a credit card. Not with Market USA. We offer the Visa® Platinum Secured card specifically for people who need to establish or rebuild a positive credit history.

You can get approved for this card regardless of your credit score. And you use the savings in your Market USA account to create your credit line and borrow against that money at a lower rate, all while your savings continue to grow in your Market USA account. As you make payments on time each month, you can steadily increase your credit score.

  • Credit lines available from $200 - $5,000
  • Available credit secured by the funds in your savings account
  • No annual fee or cash advance fee
  • Transfer your higher-rate balances to save money for no fee
Credit Card Rates
  Visa Platinum Visa Platinum Rewards Visa Platinum Secured
6 Month Introductory APR for Purchases & Cash Advances 0.00% 0.00% N/A
Annual Percentage Rate* (APR) for Purchases 14.50% - 18.00% 15.50% - 18.00% 17.99% - 18.00%
Cash Advance APR 14.50% - 18.00% 15.50% - 18.00% 17.99 % - 18.00%
Variable Rate Information Your actual APR may vary and is based on prime and your credit history. A margin between 6.00% - 16.00% is added to the highest Prime Rate* as published in the Wall Street Journal "Money Rates" Table.
Grace Period for Purchases 25 Days
Method of Computing the Balance for Purchases Average Daily Balance (Including new purchases)
Annual Fee None
Balance Transfer Rate Same as purchase rate
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We do not charge you interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances and balance transfers on the transaction date
Transaction Fees a. Foreign Transaction Fee - 1.00% of each transaction in U.S. dollars
Penalty Fees a. Late Payment Fee - Up to $25.00
b. Returned Payment Fee - Up to $25.00

Rate Disclosures

Credit Card Calculator

Visa® Credit Card Contacts

  • 24-Hour Member Service: (833) 574-3440

Market USA Federal Credit Union is a full-service financial institution with locations in Maryland and South Carolina as well as nationwide locations through the Shared Branch Network.

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Log into Digital Banking, select Credit Cards from the Accounts menu, Account Services, and choose Balance Transfer.

Log into Digital Banking, choose Alerts from the Tools menu, and select the Visa Platinum card from the drop-down box. Slide the bar to the right for the alert you want to set up so that you see a dark green bar indicating that the alert is turned on. Choose how you would like to receive your alert - by text, email, and/or push.

Log into Digital Banking, select Alerts from the Tools Menu, and choose “Card” from the Alerts menu. Under the Visa Platinum graphic, you will see an option to block the card.

Report your card as soon as possible by calling the 24-hour Visa credit card member service number at 833-574-3440.

  • Digital Banking

    Easily transfer funds through Online Banking or our Mobile App.

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  • Free Regular Checking

    No minimum balance requirement or monthly maintenance fees.

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  • Mobile Wallets

    Carry your cash digitally, wherever you go.

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  • Ways to Pay Your Loan

    Find the best option for you.

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