Refresh Financial Secured Visa® Card

Guaranteed approval card with up to $10,000 credit and 2 bureaus reporting

Updated: Aug 28, 2022

Advertiser Disclosure

Refresh Financial Secured Visa card is designed to build and establish your credit. The card comes with $200 - $10,000 secured credit which should be added to Refresh as a deposit. All credit activities are reported to both credit bureaus on monthly basis and help to improve your credit until you can apply for an unsecured credit card. The Refresh Secured card has annual and monthly maintenance fees.




17.99% Variable



21 User Ratings

Refresh Financial Secured Visa® Card

at Refresh Financial's Secured website

Apply Now

Introductory APR


Intro APR Period


Recommended Credit

Bad Credit OK

Key Features

  • Build credit while spending money
  • 3 options pack for credit building
  • Reports to both Credit Bureaus
  • Minimum deposit of $200 is required
  • Low monthly maintenance fee
  • Issued by Digital Commerce Bank

Our Take

Refresh Financial Secured Visa credit card is issued by Digital Commerce Bank pursuant to license by Visa International. It has guaranteed approval, very high secured credit, monthly 2 credit bureaus reporting, and can be combined with Credit Building Loan to establish credit even faster. The Refresh Secured Visa has an annual fee and $3 monthly maintenance. The total card fee over 1 year period is $23.51.

Refresh Credit Building Packages

  • Sprint Pack. Fastest credit building pack with Refresh Credit Building Loan (up to $25,000), Secured card with up to $10,000 secured line of credit, and ultimate credit building resources.
  • Jog Pack. The pack comes with a Credit Building Loan of up to $25K and access to black-tie credit building resources
  • Walk Pack. Slow and steady walking pack for those who are not in a rush. It comes with Refresh Secured Visa and online credit building resources.

How to Apply for Refresh

  1. General info. Tell us about yourself and provide basic required application documents.
  2. Email Verification. Verify your provided email online.
  3. Choose your pack. Choose which pack is attractive for you from the 3 available ones – Sprint, Jog, and Walk.
  4. Final touch. Finalize your documents and submit your application for fast approval. It takes up to 20 minutes to finish the application and start building your credit.

Refresh Card Competition

Frequently Asked Questions

Apply Now
Basic Information
Issuer: Digital Commerce Bank
Network: VISA
Category: Consumer (Secured)
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
Regular APR: 17.99%
Regular APR Type: Variable
Annual Fee: $12.95
Balance Transfer: No
APR on Cash Advances: 17.99%
Grace Period: 21 days
Other Fees:
  • Maintenance fee: $3/month

Refresh Financial Secured Visa® Card Alternatives

Refresh Financial Secured Visa® Card

Refresh Financial Secured Visa® Card


Annual Fee


Regular APR


Intro APR


Rec. Credit Score

Bad Credit OK

*The information provided for Refresh Financial Secured Visa® Card is believed to be accurate at the time of evaluation or recent update on August 28, 2022. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.

Refresh Financial Secured Visa® Card

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Refresh Financial Secured Visa® Card

Refresh Financial Secured Visa® Card

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.