Unlock your financial potential with a Secured Credit Card

Build credit and improve your financial standing, with no annual fee and low rates. 

Visa Credit Card Rates

Our Visa Signature, Visa Platinum, and Visa Secured card options feature affordable and competitive credit card rates with the perks you're looking for!

Card Type
as low as
Card Perks
Card Type
Visa® Signature Rewards
as low as
Card Perks
Get cash back, earn rewards faster!
Card Type
Visa® Platinum
as low as
Card Perks
Low rates & great rewards
Card Type
Visa® Secured
as low as
Card Perks
Great for building or repairing credit
Effective April 19, 2024

*Annual Percentage Rate. APR shown is the lowest available rate. Actual APR may be higher depending on a variety of factors, including borrower’s credit history.

*Annual Percentage Rate. APR shown is the lowest available rate. Actual APR may be higher depending on a variety of factors, including borrower’s credit history.

Secured Credit Card Application:

young couple shopping online with credit card

Get Your Secured Credit Card Today!

If you're looking to build or improve your credit, our Visa Secured Credit Card is an excellent option. With a secured credit card, you'll enjoy no annual fee and low rates, making it easier than ever to start building your credit.
Build Credit

With responsible use of a secured credit card, you can establish or improve your credit history, which can lead to better opportunities in the future.

No Annual Fee

Our secured credit card comes with no annual fee, which means you can save money while building your credit. Please note, there is a one-time set-up fee of $25.

Easy Approval

Since secured credit cards require a cash deposit as collateral, they are typically easier to get approved for than traditional credit cards. This means you have a higher chance of being approved and starting your journey to a better credit score.

Low rates

With our low rates, you'll be able to keep your interest charges to a minimum, so you can focus on paying off your balance and improving your credit score.

Report a Lost or Stolen Visa Credit Card

During Business Hours: Call Arizona Financial at 602-683-1000 or 800-523-4603
After Business Hours: Call the Visa Hotline at 866-599-5615

As easy as 1 - 2 - 3

Paying using card reader
  1. Apply and provide your deposit

    Once approved, put down a refundable security deposit of at least $525. The amount of your deposit will determine your credit line, minus 5%. So a $525 deposit will give you a $500 credit line.
  2. Start using your card

    Make sure to pay at least the minimum amount due on time. To avoid interest charges on purchases, pay your balance in full and on time each month.
  3. Build your credit history

    We report your account information to the three major credit bureaus, so you can start building or rebuilding your credit.

Credit Card Resources

Blog Post

Fraud: Surprising Facts and Who Foots the Bill

You probably assume that merchants are responsible for a data breach since their security failures caused the theft of your information. Unfortunately, that’s not how it works.

Read More

How Long Will it Take to Pay Off My Credit Cards?

Use this calculator to determine the amount of time it will take to pay off your credit card balance based on your monthly payment, or see what your monthly payment should be in order to pay off your credit card balance in a certain amount of time.


Secured Credit Card FAQ's

How can I dispute a Visa transaction?

It’s easy to file a dispute online for any fraudulent, unauthorized or incorrect debit or credit card transaction.

Submit your dispute through online banking:

  • Log in to online banking (desktop or laptop). This form is not currently available in the mobile app.
  • Select “Additional Services” from the blue bar at the top of the page
  • Select “Secure Forms” from the options provided
  • Select “Dispute a Visa Transaction” and follow the prompts for information
  • Helpful tip! The online banking session will time out after 20 minutes and the form will need to be resubmitted.

Give us all of the details! Please use the comment section to tell us what happened so that we can help resolve the issue quickly.

If the transaction is considered fraudulent, the impacted card number will be blocked in order to prevent additional fraudulent transactions.

How do I order a new card?

If you need a new card, here’s how we can help you get a new one:

  • All of our branches can instantly issue you a new card. Please bring your government issued photo ID with you to complete the process. 
  • We can mail a card to your home. Simply give us a call or send us a secure email through online banking and we’ll be happy to arrange for a card to be mailed.
How do I get my security deposit back?

If you close your account (and there are no outstanding balances or fees owed), you’ll get your deposit back and the funds on hold will be released and available in your account balance.