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Credit Builder Secured Visa® Credit Card

The possibilities are all up to you.



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Build your way to better credit!

If you are just starting to build your credit profile or you are hoping to improve or repair your credit score, this card is a great solution. We want to give you the chance to build or repair your credit using your Academy Bank Credit Builder Savings account, which provides the credit line for this credit-building Visa®.

By only charging a set amount each month and then showing consistent, on-time payment patterns you are doing what you can to improve your credit history. At that point, you're on your way to qualifying for our regular Visa® Credit Card.

  • No application fee
  • No over-the-limit fee
  • Automatic reporting to the three major credit bureaus



What you get with our Credit Builder Secured Visa® Credit Card:

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No application fee

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No over-the-limit fee

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Automatic reporting to the three major credit bureaus to build history

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Added security of EMV chip technology
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Upgrade to an unsecured card with good performance

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Faster, more secure transactions when you enroll in Visa Secure Remote Commerce































What You Need to Know


  • Set your credit limit between $300 and $3,000 based on the amount you deposit into your Credit Builder Savings Account (required).
  • Add to your credit line in $50 increments.
  • Enroll in Visa® Secure Remote Commerce to protect your online transactions.
  • Features a 25.99% annual percentage rate (APR) (View rates and fees).
  • Enroll in eStatements to save a $5 quarterly paper statement fee.
  • Track all your activity through Digital Banking.








































Tools You Can Use


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Start building good credit today! 

Subject to credit approval. Improved credit score is not guaranteed. Credit score is determined by credit reporting agencies based on multiple factors, but satisfactory performance on a credit card product can improve your credit score. Default on a credit card, including missed or late payments can damage your credit score. Once added, funds cannot be withdrawn from the Credit Builder Savings account and the Credit Builder credit card without closing the savings account and the credit card.