Visa Gold

Visa Secured Credit Card

Get awesome rates while you establish or rebuild your credit.

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    Easy to Open

    Start with a $500 minimum credit limit

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    Competitive Interest Rates

    Get an APR as low as 9.90%

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    Establish Credit

    Build your credit with each swipe

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    Quick Online Applications

    Get Approved In Days

Visa Secured Credit Card Rates





Visa Secured Credit Card APR 9.90% $0

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  • Gimmick Free

    Gimmick Free
    No Confusing Promotions

  • Zero Fees

    Zero Transfer Fees
    Consolidate And Save

  • Hidden Fees

    No Hidden Fees
    Up Front And Transparent

  • Competitive Rates

    Competitive Rates
    Low Interest For Members

  • 24-7 Access

    24/7 Access
    Access Funds On The Go

  • Instant Issue

    Instant Issue
    Apply, Approve, And Receive!

Star Star Star Star Star

I have been with Telco for years now and they have been like my best friend. I have used them for all major purchases and their credit card rate is great. I will continue to use them going forward.

-Virginia C. - Denham Springs, LA Branch

Secured credit cards allow you to qualify with subpar or no credit, and you build your credit every time you use your card. That makes secured cards an excellent way to establish or improve credit history.

You establish your secured card account with a deposit when you open it. Each month you pay off your balance. If something happens and you can’t make the payment, your deposit is used to pay your balance.

Generally, it takes about 30-45 days for your new account to be reported to the credit bureaus. From there, each month you pay off your card balance, your credit builds.

Visa Cash Back

Visa Cash Back

Rewards with every swipe

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Visa Gold


Low interest rates that maximize savings

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*Quoted APR is Telco’s current rate. All rates, terms, and conditions are subject to change and are based on creditworthiness. Low minimum monthly payment of only 2% of balance or $10 (whichever is greater). Cash advance fee of $10.00 or 2% of the amount of each cash advance (whichever is greater). Overdraft Protection Fee: $5.00 per transfer — if you opted to use the LOC as a transfer source. Account Transfer Fee: $10.00 or 2%, whichever is greater, per transaction. This includes any transfer of funds from the LOC to an account, either in person or electronically.

See our Visa Disclosure for additional information.