Plastk Secured Visa

Innovative secured card to build credit and get rewarded for it

Updated: Oct 07, 2023

Advertiser Disclosure

The Plastk Secured Visa is a proudly Canadian The startup is designed for those with bad or limited credit scores. The Plask offers free monthly credit reporting, 3 months introductory, bonus rewards, premium secured credit card features and an instant online application.




17.99% Variable



17 User Ratings

Plastk Secured Visa

This card is not available through MarketProSecure Canada.

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Introductory APR


Intro APR Period

3 months

Recommended Credit

Bad Credit OK

Key Features

  • 0% APR for the first 3 months
  • Upon sign up, new Customers get 5000 Rewards Points (Equal to $20.00. Redeemable after 3 months)
  • 17.99% interest rate
  • Free monthly credit score, powered by Equifax*
  • Earn points and cash back with everyday purchases
  • Zero Fraud Liability to ease your mind
  • Instant Balance Payment via Interac
  • Issued by Digital Commerce Bank

Our Take

The Plastk Secured Visa Credit Card is Canada’s first secured credit card with credit insights and a premium rewards program. It is designed solely for those with limited or no credit including students (Plastk Student Secured Card), young adults, or new immigrants. It can also help those with tarnished credit as well, as it gives access to free monthly credit reporting powered by Equifax. Thus credit insights provide the tools and knowledge needed to control your credit in full. Each purchase made with this innovative startup card is rewarded with points and cash back. You will also get premium rewards for referrals. Moreover, the card comes with an introductory offer as well as bonus cash back. However, make sure you are aware of the annual fee and monthly maintenance fee before you sight for it.


  • Introductory offer
  • Premium rewards program
  • Credit reporting
  • Supports Vancouver Canucks
  • Fast application
  • Worldwide acceptance


  • High annual card price
  • High foreign transaction fee

What are Plastk Secured Credit Card benefits?

  • Introductory offer. New cardholders will receive 0% APR for 3 months and 5,000 Plastk bonus rewards after account opening.
  • Premium rewards program. You can earn reward points on everyday purchases and when referring your friends, family members, or coworkers.
  • Credit reporting. The Plastk reports your credit monthly to Equifax* and helps improve your credit score.
  • Supports Vancouver Canucks. The Plastk Secured card is the preferred partner of the Vancouver Canucks
  • Fast application. The application process for the Plastk a card is quick, easy, and done online within a few minutes.
  • Worldwide acceptance. The Plastk card is a secured Visa credit card and widely accepted worldwide. However, keep in mind that the card has a high foreign transaction fee for purchases made outside Canada or in other currency than Canadian Dollars.

Are there any Drawbacks?

  • High annual card price. The card’s annual price is $120. You will be paying the annual fee, which is set to $48, and a monthly maintenance fee of $6 ($72/yr).
  • High foreign transaction fee. The card has a foreign transaction fee of 3.50%, which is well above the industry average.

Should you get the Plastk Secured Credit Card?

If you have limited, bad, or damaged credit, have the possibility to provide the minimum deposit required for approval ($300), want to have access to your credit score and credit building knowledge base you should definitely apply for the Plastk Secured Card. The good point is that the application is fast and easy, thus premium rewards are highly appealing. However, there is an annual fee and monthly maintenance fee that you need to cover if you decide to be part of the Plastk family.

Plastk Card Competition

Frequently Asked Questions

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Basic Information
Issuer: Digital Commerce Bank
Network: VISA
Category: Consumer (Secured)
Review: Full Card Review
Best Used For:
  • Guaranteed Approval
  • EMV Chip
  • New to Credit
  • No Credit
  • Build Credit
Rewards: Yes
Reward Types:
  • CashBack Rewards
  • Universal Rewards
  • Other Rewards
Reward Units: Point
Rates & Fees
Introductory APR (%): 0%
Applied Towards:
  • Purchases
Intro Period: 3 months
Regular APR: 17.99%
Regular APR Type: Variable
Annual Fee: $48
Balance Transfer: No
APR on Cash Advances: 21.99%
Grace Period: 25 days
Other Fees:
  • Foreign Transaction Fee: 3.50%
  • Monthly Maintenance Fee: $6.00

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Non-Affiliate Offer Disclosure
*The information provided for Plastk Secured Visa is believed to be accurate at the time of evaluation and has been collected independently by MarketProSecure® Canada. The card issuer did not provide the details, nor it is responsible for their accuracy.

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Rec. Credit Score: Bad Credit OK

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MarketProSecure® Canada website supports advertisements and receives compensation from certain credit card issuers and advertisers. The partnership with a few financial product providers results in the coverage of their credit or debit related products. The content on the website is not provided or commissioned by any credit card issuers. The advertiser relationships do not affect the ratings and reviews nor our Best Card Picks. MarketProSecure® Canada makes an effort to provide accurate information. Clicking on the "Apply Now" button will present the most up-to-date information from the credit card issuer regarding the terms and conditions, rates, and fees. MarketProSecure® Canada may receive a commission from product providers and credit card issuers. Editorial Guidelines provides the full list of these issuers.