Secured Credit Cards

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Secured Card Program

Build Credit With Every Purchase

Earn 3% cash back in the category of your choice, automatic 2% at grocery stores and wholesale clubs (up to $2,500 in combined choice category/grocery store/wholesale club quarterly purchases) and unlimited 1% on all other purchases.

  • Welcome Bonus
  • Accelerated Rewards
  • Fuel Surcharge Waiver
  • Free SMS Alerts
  • International Usage
  • Enhanced Security
Special Offers

Current Secured Card Promotions

Medical Benefits

Get 10% Cashback on Xfinity Medical services until 25th Jun'22.

Learn More

Entertainment Rewards

Get 20% Cashback on Xfinity Entertainment until 10th Jul'22.

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Grocery Rewards

Earn 2% at grocery stores and wholesale clubs automatically.

Learn More

Choice Category

Select your 3% cashback category to maximize your rewards.

Learn More
Card Features

Earn Interest up to 7%

24/7 Card Access

  • Online banking access
  • Mobile card management
  • Secure account access

Security Features

  • Free SMS alerts
  • International usage
  • Enhanced safety
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Eligibility Requirements

Requirements to Apply

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Age Requirement

You will need to be minimum 18 years of age.

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Income Requirement

For salary person net annual income of USD 4.5 or more

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Credit Score

Consider a credit score between 750 and 900 to be adequate for a Credit Card.

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Location Requirements

Location is also another factor in determining eligibility.

Frequently Asked Questions

Common Questions About Our Secured Cards

A secured card requires a security deposit that typically equals your credit limit. This deposit acts as collateral and helps you build credit while earning rewards on purchases.

Earn 3% cash back in your choice category, 2% at grocery stores and wholesale clubs (up to $2,500 quarterly), and 1% on all other purchases. Plus enjoy special promotional offers throughout the year.

You can quickly and securely access your card 24/7 through online or mobile banking. Select the Card Management widget to view all your active credit cards and manage your account.

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Ready to Build Credit?

Apply for a Heritage Bank Secured Card Today and Start Building Your Credit History

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