Visa® Platinum Secured Credit Card

Build your credit history with no annual fee

Avoid fees typical of big banks

Your credit line will match your deposit - as low as $500

Added peace of mind with 24/7 fraud monitoring

Here's how it works:

Whether you are looking to establish or rebuild your credit history, a MECU Visa® Platinum Secured Card is a smart choice.

  1. Apply & provide a refundable deposit - If approved, secure your limit with an equal deposit. That means a $500 deposit for a $500 credit limit. Or a $1,000 deposit for a $1,000 credit limit.
  2. Use your card responsibly - Be sure to pay your full bill on time each month to avoid interest charges.
  3. Build your credit history - Using credit responsibly across all of your credit cards and loans, including MECU and others, may help you increase your credit score.

Banking with MECU Credit Union in Maryland means belonging to a local financial institution that invests in the Baltimore community and offers competitive rates on credit cards and other personal lending products.

Digital Issuance

MECU’s Digital Issuance technology guarantees secure and uninterrupted use of your credit card. In the case of a lost or stolen card, a digital version of your credit card can be updated in your phone’s Digital Wallet and used immediately, while the plastic card makes its way to you in the mail.

Existing Cardholder?

Frequently Asked Questions

You can easily redeem points by registering your cards (debit and credit must be registered separately) by logging into www.curewards.com.

To convert points to cash, Signature cardholders must log into their CURewards account.

Business cards are not eligible for cash back.

Yes by sending a request via secure message through MECU's Mobile Banking App or Online Banking. Please use the topic Credit/Debit Card Services. Once your points are combined, they will appear on your Visa Credit Card account. Debit card points will still expire in 3 years (at year end).

Yes:

  • Debit Card points:  in three years (at year end).
  • Credit Card points: in four years (at year end).

Yes, you can have the cash posted directly to your MECU card account, or cash can be posted to your MECU Primary Share Savings account (usually within 2-3 days).

Flexible borrowing solutions for every stage of life.

Personal Loan Calculator
Estimate payments and plan your budget with ease.
Visa Credit Cards
Enjoy flexible spending with rewards and security.
Personal Loans
Get the funds you need with clear, no-hassle options.
BNPL: The Cost of Convenience
Understand the fine print behind credit card alternatives.
New & Used Auto Loans
Finance Your Next Vehicle

Choose from a wide range of affordable auto loans that can be styled to fit any budget.

Take control of your credit.

*For additional information, please view our credit card disclosure information.

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