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Personal Visa® Secured Credit Cards

Build Your Credit Responsibly

Build your credit or rebuild it by applying for a First Entertainment CU Secured Visa Credit Card. Secured cards require a refundable deposit, equal to your credit line. This deposit serves as collateral which makes it easier to qualify for.

But with so many options nowadays, choosing the right credit card can be overwhelming – especially when you’re starting out or hitting the reset button. Fortunately, First Entertainment Credit Union makes it easy.

And like our other Visa Credit Cards, our secured cards offer a wealth of benefits and features to reward your spending. So, whether you enjoy savings and simplicity or prefer more purchasing power and perks, we have a secured credit card to fit your lifestyle and budget. 

Choose the Card That Suits You Best


Visa Platinum Card

Visa® Platinum Secured

Low Rate, No Frills, No Annual Fee.

Apply Now

Visa Preferred Cash

Preferred Cash Visa® Secured

1.5% Cash Back, No Annual Fee.

Apply Now

  • Not Sure Which Card is Right For You? Compare!


    Benefits & Features

    Visa® Platinum Secured

    Preferred Cash Visa® Secured



    1.5% Cash Back on Purchases1

    Introductory Offer

    0% APR on purchases and balances transfers for 12 months2

    $100 Sign-Up Bonus w/$1,000 spent within the first 90 days of account opening3

    Purchase APR4



    Penalty APR



    Annual Fee



    Foreign Transaction Fee



    Balance Transfer Fee5



    Cash Advance Fee6

    $5 or 3%, whichever is greater

    $5 or 3%, whichever is greater

    Digital Wallet Compatible

    Contactless Enabled

    Benefits Included7

    ID Navigator Powered by NortonLifeLock
    Lost Luggage Reimbursement
    Purchase Security
    Roadside Dispatch
    Travel Accident & Baggage Delay Insurance
    Travel & Emergency Assistance Services
    Cell Phone Protection
    ID Navigator Powered by NortonLifeLock
    Porch Piracy Protection
    Roadside Dispatch
    Travel & Emergency Assistance Services


    Apply Now

    Apply Now

  • What is a Secured Credit Card?

    A Secured Credit Card is an invaluable tool used to help establish healthy credit.

  • How does a Secured Card differ from an Unsecured one?

    A Secured Visa Card functions the same way as a traditional credit card but requires a refundable deposit equal to the Card’s Credit Limit. Those funds are then used to pay the transactional charge(s) conducted using the Credit Card. The funds are replenished (minus applicable charges) when you make your monthly payment.

  • Does a Secured Card have the same Credit Limits as an Unsecured?

    No. Because the card is backed/financed by the amounts of funds on deposit (in a member’s account), credit limits are usually significantly lower than an Unsecured Visa. This allows the cardholder to regulate/monitor his/her/their spending habits while learning how to properly manage their finances.

  • How do you determine a member’s Secured Card’s credit limit?

    A member’s credit limit is not determined by their credit score or history, but rather the amount of their security deposit – ranging from a minimum of $500 up to a maximum limit of $2,000.

  • When will my credit card become unsecured, and my security deposit returned?

    We will periodically evaluate your credit history and automatically convert your credit card into a traditional, unsecured card upon qualification. You may also apply to have your account unsecured at any time.

  • Why should someone consider applying for Secured Visa?

    Although the credit line is “financed” by the funds on deposit, creditors are required to report secured credit card accounts’ status and usage to the various Credit Bureaus. Which means, when you use your Visa Secured Card for everyday purposes and pay your bill on time, your credit score (i.e., FICO) will improve over time. Other payment methods such as prepaid debit or gift cards are not regulated in the same manner and could negatively impact your score if regularly used as your primary payment source.

  • Is a credit check required to apply for a Secured Visa?

    Yes. There are certain qualifications a cardholder must meet in order to be approved for a Secured Visa. For example, if you recently declared bankruptcy, you must have it discharged before we can consider your application.

  • Are there other things I should know about before I apply?

    Yes. You must be at least 18 years of age to apply for a credit card and be able to provide proof of income. If you currently have open collection accounts, it is recommended to pay those off before submitting an application for credit.

Some Important Information You Should Know

Visa Interest and Fee Information

Visa® Credit Card Agreement & Disclosure

Visa® Consolidated Guide to Benefits

Preferred Cash Visa Rewards Program Rules, Terms, and Conditions

1 Only authorized charges for the purchases of goods or services made with your Cash Back Rewards Account, less any credits for purchase reversals or other refunds (“Qualifying Purchases”) will earn cash back rewards. For each dollar of Qualifying Purchases (charged to your Cash Back Rewards Account, you will be awarded a 1.5% ($0.015) cash reward. Your cash reward will automatically be redeemed as a credit to your Account at the end of each statement cycle.  Cash Back Rewards Account interest rates are also disclosed on the First Entertainment Credit Union Visa Application and Solicitation Disclosure. As long as your Cash Back Rewards Account remains open and in good standing, your accumulated cash rewards will not expire.

2 APR = Annual Percentage Rate. Additional fees and charges may apply. The Program has an introductory APR offer available to new Accounts only. 0% introductory offer for 12 months applies to purchases when posted within 90 days of account opening and to balance transfers for 12 months from the date of each transfer when posted within 90 days of account opening. Please see Visa Platinum Interest & Fee Information for complete terms and conditions.

3 The Program has an introductory bonus reward offer available to new Accounts only. New Accounts will receive a one-time, one hundred dollar ($100.00) statement credit. To qualify and receive your bonus, you must make Qualifying Purchases totaling one thousand dollars ($1,000) or more during the first ninety (90) days from account opening. After qualifying, please allow four (4) to six (6) weeks for the bonus to post to your Account. Bonus will be paid as a statement credit to the Account. To be eligible for this bonus offer, Account must be open and not in default at the time of fulfillment. If you are an existing First Entertainment Credit Union Credit Cardholder and would like this product, please call the number on the back of your card to see if you are eligible for a product change. You will not receive the new Cardholder bonus if you change products or have had another credit card with us in the past two (2) years. This offer is limited to one per Account per Cardholder. No additional bonus will be awarded for joint owners or authorized signers, users, or for additional cards on the same Account.

4 Pricing is variable. Information regarding fees and charges can be found in the Application and Solicitation Disclosure.

5 I understand that I can request a Balance Transfer transaction, which allows me to pay a portion or the entire balance of another credit card account I maintain with another institution by advancing funds from this Account. Any request I make for a Balance Transfer is subject to your approval, based on my Credit Limit, my creditworthiness, and my good standing as a member. If you approve my requested Balance Transfer transaction, a 3% Balance Transfer Fee will apply to the transaction, and a Balance Transfer ANNUAL PERCENTAGE RATE, as discussed above, will apply to my Balance Transfer balance.

6 Cash Advance transactions are subject to a Cash Advance Fee of 3% of the amount of the advance which is posted to the Account during the billing cycle, or $5.00, whichever is greater.

7For full cardholder benefits and limitations, consult your Visa Consolidated Guide to Benefits or visit

Visa®  is a registered trademark of Visa International Service Association and is used under license.