Groundwork Visa® Secured

A credit card for a fresh start

Credit Building* Done Right

The Groundwork Secured credit card can help (re)establish credit history. How? We report your payment behavior to all major credit bureaus, a factor in helping you improve your credit score.*

Benefits

Cards Built With The Features You Expect

Credit Bureau Reporting

We report your payment history to the three major credit bureaus, so making on-time payments may help to improve your credit score.*

Autopay

Like all modern credit cards, you can set up ongoing payments for your utility, cellphone, streaming service and more using your Groundwork credit card.

Tap To Pay

It's like credit card magic. Tap to pay, or contactless payment, allows you to make purchases quickly, conveniently and (maybe?) with fewer germs.

Customer Service

Our US-based customer service team is friendly, helpful and accessible.

Budgeting and Alerts

Groundwork provides you tools to notify you when you've utilized configurable spend levels on your card. Use it to keep your utilization in line with your budget.

Card Details

Credit limit
Equal to deposit. Min $300; Max $3,000.
Annual Fee ^†
$39
Merchandise APR †
18%
Rewards
Rewards Type
Card Replacement
Yes
24-Hour Member Service §
Yes
Travel & Accident Insurance §
$100,000
Credit Bureau Reporting
Yes

* The variable APR range is accurate as of 11/08/2024 and may vary with the market based on the Prime Rate.

^† See Pricing and Terms for fees and additional details.

^§ See Member Benefits for additional details.

^**The image on your Groundwork Card may vary.

Find your credit card match

Find out the best Groundwork card for you with no impact to your credit score