800-688-7228 Routing #314088284
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Support Center Location & ATMs Login
800-688-7228 Routing #314088284
Become a member

Secured Rewards Preferred Mastercard®

Building credit takes time and the right tools. The Secured Rate Preferred Mastercard gives you a clear starting point with low rates and no annual fee while rewarding you with 2% cash back. It is designed to empower you to move forward in your financial journey with confidence by using your Share Savings balance to secure your credit line.

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Quick Facts

What sets our Secured Rewards Preferred Mastercard apart

Designed for people with little or no credit history, a secured card can be a stepping stone to better financial health by building your credit over time.

  • The same card benefits as our unsecured cards
  • No annual or balance transfer fee
  • Minimum $500 security deposit as collateral
  • Credit limit determined by security deposit amount
  • Safer entry point into credit compared to higher-cost alternatives or predatory products like payday loans
  • This credit card earns 2% cash back on purchases
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Credit Card Features

A card you can trust

Credit Human credit cards come with consumer protection, so you can rest easy knowing you’re secure and paying the best possible price for your purchases. These features are designed to give you control, confidence and resilience as you borrow and manage debt responsibly.

allpoint-logo Feature
Business Checking, Checking Accounts (all)

55k + Allpoint ATMs worldwide

Credit Human members have fee-free access to more than 55,000 ATMs worldwide through the Allpoint ...

Find an ATM
digital-banking-feature Feature
Digital Banking, Checking Accounts (all)

Protect your debit card from unauthorized use

Card Controls are a powerful tool to manage your debit and credit cards from any of your devices. ...

Log in to access card controls
digital-banking-feature Feature
Spend, Digital Banking

Take a temperature check on your account balance

Our spending forecast uses a machine learning model to dynamically calculate your forecasted ...

Log in to access spending forecast
digital-banking-feature Feature
Spend, Digital Banking

Seeing all your accounts in one place gives you insight

Connecting your other financial institutions is easy with instant account verification. No more ...

Connect an account in digital banking
digital-banking-feature Feature
Spend, Digital Banking

Pay your bills on time, on your schedule

One of the best ways to spend responsibly is to pay your bills on time. Set up eBills, schedule a ...

Log in to access Bill Center
deposit-checks-right-from-your-phone Feature
Business Checking, Digital Banking

Deposit checks, right from your phone

Deposit multiple checks from your smartphone or tablet. Snap a picture of the front and back of the ...

Log in to access mobile deposit
digital-banking-feature Feature
Spend, Plan

Financial health snapshot

Regularly assess your planning, saving, spending, borrowing and credit score for an overview of ...

Log in to access your snapshot
financial-health-center Feature
Spend, Borrow

Financial health center

Credit Human is dedicated to not only improving the financial lives of members and their families, ...

See how our locations are different
Mastercard-mockup 1 Feature
Business Checking

Mastercard EasySavings®

Just use your Credit Human business debit card on qualified purchases at any participating merchant ...

Get program details
get-your-paycheck-up-to-two-days-early-with-Easy-Pay Feature
Checking Accounts (all)

Get your paycheck up to two days early with Early Pay

Your paycheck and federal benefits are in your account faster with Early Pay. It’s free and ...

Login to set up direct deposit
activate-round-up-to-start-saving-resource-thumbnail Feature
Checking Accounts (all)

Activate Round Up to start saving—a little at a time

Starting a savings habit is hard, but you can automate your savings when you opt-in to Round Up. ...

Add Round Up to your account
earn-when-you-spend-with-cashback-plus-gift-cards Feature
Checking Accounts (all), Digital Banking

Earn when you spend with CashBack+ gift cards

Get up to 20% cash back on digital gift card purchases from your favorite brands. There is no limit ...

Activate CashBack+ now
identity-theft-resolution Feature
Credit Cards (all), Account features

Identity theft resolution

Get free identity theft resolution services, including support with affidavits, credit agency ...

cosolidate-debt-with-a-balance-transfer Feature
Account features, Checking Accounts (all)

Price protection

If you see a lower price in a printed advertisement or non-auction internet advertisement for a ...

extended-warranty Feature
Account features, Credit Cards (all)

Extended warranty

Your card automatically doubles the original manufacturer warranty up to a maximum of 12 months on ...

extended-warranty Feature
Checking Accounts (all)

Extended warranty

Your debit card automatically doubles the original manufacturer warranty up to a maximum of 12 ...

identity-theft-resolution Feature
Credit Cards (all), Account features

Zero liability protection

Find a charge you didn’t authorize? With zero liability protection through Mastercard, you’re ...

digital-banking-feature Feature
Spend, Digital Banking

Your spending habits influence financial health

Understand your spending habits with easy-to-read categories that make sense to you. Our powerful ...

Log in to access spending analysis
digital-banking-feature Feature
Save, Liquid Savings

Set goals

We have financial health tools that are built into your digital banking experience. You can set ...

Log in to set a savings goal
keep-an-eye-on-your-credit-score Feature
Digital Banking

Keep an eye on your credit score

Access your full credit report for free. Get credit monitoring alerts, learn ways to improve your ...

Log in to see your credit score
digital-banking-feature Feature
Digital Banking

Make payments right from the app

If you have a loan or credit card with Credit Human, you are one of our members, and you can make ...

Log in to make a payment
digital-banking-feature Feature
Digital Banking

Peer-to-peer transfers made easy

With digital banking, members can use Pay a Person to send money to anyone, anytime

Log in to Pay-a-Person
fast-and-secure-login Feature
Digital Banking

Fast and secure login

Biometric passkey login using Touch ID and Face ID for iOS or Fingerprint for Android.

Log in
google-play Feature
Business Checking, Digital Banking

Download the digital banking app from Google play

Visit Google Play
app-store Feature
Business Checking, Digital Banking

Download the digital banking app in the App store

Visit the App Store
Get started

Access secure and rewarding credit

Our Secured Rewards Preferred Mastercard is a real credit card with real benefits, secured by a refundable security deposit equal to your credit limit. Perfect for building your credit and learning to borrow responsibly.

Apply as a new member
Log in to apply
Get resources

Saving for a financially healthy future

At Credit Human, you’re more than your credit score—you’re part of a community committed to helping you build stronger credit and lasting financial health. The Secured Rewards Preferred Mastercard is a secured credit card designed to help you build or rebuild credit while earning rewards. By making payments on time and keeping balances low, you can establish positive credit history and improve your credit over time.

As a credit union, we put people over profits, focusing on solutions that strengthen credit and reduce financial stress. The Secured Rewards Preferred Mastercard helps you build credit, earn rewards and create a solid path toward long-term financial stability. Learn more ways to build financial health over time by visiting our resource center.

See more financial health resources
Account Opening

A secured credit card just for you

Get started with a credit solution that meets you where you are and helps you move forward. Designed to encourage on-time payments, responsible usage and informed decisions, this secured card helps turn everyday purchases into long-term progress toward financial health.
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FAQ

Secured Rewards Preferred Mastercard frequently asked questions

Take a look at the most common questions we get about our Secured Rewards Preferred Mastercard account. If you have more general questions, or you’re looking for support options, check out our support center.

See more FAQs in our support center
How do I make a payment for my credit card?

Credit card payments can be made in the following ways:

  • Online through digital banking
  • Recurring payments set up through digital banking
  • By mail
  • Over the phone (no fee)
  • In person at a Credit Human location or ITM

Express payments can be made

See more FAQs for details specific to your loan type.
What should I do if my card is lost or stolen?

Call hotlines 24/7 (Debit cards: 800-472-3272; Credit cards: 844-286-5775 US / 206-389-5200 intl).

You can also lock/unlock via Card Controls in digital banking.

Do Credit Human cards work with Apple Pay, Samsung Pay or Google Pay?
Yes, mobile wallets are supported
How does a secured credit card work?
A secured credit card requires a refundable security deposit, which is used as collateral and typically sets the initial credit limit. Members use the card like a traditional credit card and their payment activity is reported to the credit bureaus, helping them build or establish credit when payments are made on time.
Will this card help improve my credit score?

Yes. Responsible use—such as making on-time payments and keeping balances manageable—can help members build a positive credit history over time. This product is specifically designed for individuals with limited or no credit who want to establish a foundation for future credit access.

If I'm a member, can I apply for a credit card in digital banking?

Apply through digital banking

Take advantage of our streamlined application by logging into your digital banking account. Once in digital banking navigate to the Product and Offers menu to get started.

Disclosures

Annual Percentage Rates (APR) are variable and vary with the market based on the Prime Rate. Rates and terms subject to credit approval. Rates are variable and based on an evaluation of credit history, so your rate may differ.

Mastercard Price Protection disclosures

Want more details? For more detailed information, see all Mastercard Cardholder Benefits (PDF). Note: Restrictions apply on both price protection and extended warranty services, and not all purchases are eligible. To file a claim or discuss eligibility, call 800-MASTERCARD (800-627-8372) within 60 days of the purchase in question.

Disclosures

You can also request a Balance Transfer by downloading and completing the Balance Transfer form. If you need a credit limit increase on your Credit Human credit card, you can request one through your Digital Banking account under Products and Offers > Credit Cards. For assistance contact us at 800-688-7228. *Rates and terms may vary based on creditworthiness and amount borrowed. All loans subject to approval.