Secured Visa^® SMART Credit Card

Get a low-rate credit card with no annual fee while building your credit.

Secured Visa^® SMART Credit Card

This card is perfect for new credit card users, those looking to establish credit or those with less-than-perfect credit who want to rebuild their credit. Enjoy peace of mind with a secure credit limit tied to your savings.

Apply Now

Already applied? Check Status

Rates ranging from 11.00% to 18.00% APR* on purchases, based on creditworthiness.
No annual fees and no application fees.
Credit limits from $200 - $1,000.
Enjoy a 25-day grace period on purchases when your balance is paid in full by your monthly due date.
Contactless tap-to-pay makes it easy to pay at millions of retail locations around the globe and is protected by Visa’s Zero Liability Policy.

A secured credit card works just like a traditional credit card. The difference is that your credit limit on the card must be secured by the deposit in your savings account. Payments on the balance of the card will be reported to the credit bureaus, improving your credit history.

Visa SMART Credit Card

Advantages Of Our Secured Visa SMART Credit Card...

ID Navigator

No one can prevent all identity theft, so staying informed and knowing what to do when your identity is threatened can provide you with greater peace of mind.

Your Orlando Credit Union credit card includes ID Navigator Powered by NortonLifeLock which...

Provides you with the tools to help keep you informed of potential threats to your identity.
Helps you act quickly should the unexpected happen.

Confirm Eligibility

Visa Checkout

Love shopping online, but hate all the hassles when it’s time to pay? Visa Checkout is a digital payment service that can make online payment as fun and easy as online shopping.

Use it anywhere Visa Checkout is accepted — on the go with your tablet or smartphone, or at home with your computer.

With Visa Checkout, paying online is:

Simple: Add your Orlando Credit Union Credit Card (or any Visa card) to enroll. Then pay with Visa Checkout — it’s easy to spot!
Fast: Skip typing in your card and shipping info each time. Just use your Visa Checkout login to pay and that’s it.
Secure: Shop worry-free. Your info is stored behind multiple layers of security.

Enroll Now

Visa Credit Card FAQ

Have questions about your Visa Credit Card? We have answers!

View FAQ

Fast image Easy image Secure image Smart image

Secured Visa SMART Credit Card Rates

11.00% to 18.00% APR

on purchases

View Other Rates

* APR = Annual Percentage Rate. Rates are variable and may increase. Individual rates are determined by credit score and credit history. Subject to credit union membership eligibility, credit approval and verification of information provided on your application. Other terms and conditions may apply. Terms and conditions are subject to change at any time without notice.

Go to main navigation