WalletHubNo membership feesQualify with bad creditHigh regular APRForeign feeRequires security deposit
Bad Credit
$100
22.99%
Available only to existing GO2bank accountholders with direct deposits totaling at least $100 in the past 30 days.
Set up Direct Deposit™ on your GO2bank account, and receive direct deposits totaling at least $100 in the past 30 days.
Easily apply for a GO2bank Secured Credit Card within the app or online at GO2bank.com.
Make an initial refundable security deposit of at least $100 to set your credit limit.
GO2bank reports your credit standing to the three major credit bureaus every month.
No credit check or impact to your credit when you apply.
| cash advance fee | 5% (min $10) |
| cash advance APR | 26.99% |
| foreign transaction fee | 3% |
| smart chip | Yes |
| max late fee | $39 |
| max overlimit fee | $0 |
| max penalty APR | None |
No membership fees
Qualify with bad credit
High regular APR
Foreign fee
Requires security deposit
minimum deposit$100 | minimum deposit$200 | minimum deposit$300 |
one time fees$0 | one time fees$0 | one time fees$0 |
annual fee$0 | annual fee$0 | annual fee$0 |
monthly fee$0 | monthly fee$0 | monthly fee$0 |
Regular APR22.99% | Regular APR26.99% Variable | Regular APR28.74% (V) |
rewards rate | rewards rate | rewards rate |
Sponsored Apply Now | Sponsored Apply Now |
Can't find what you are looking for? Submit your question about GO2bank Secured Credit Card to our community. Editorial and user-generated content is not provided, reviewed or endorsed by the issuer of this offer. Please keep in mind that it is not a financial institution’s responsibility to ensure all posts and questions are answered. In addition, WalletHub independently collected information for some of the cards on this page.
Yes, the GO2bank Secured Credit Card is a good card for people with bad credit who would like to build their credit score. It has a $0 annual fee and it only requires a minimum security deposit of $100 to open the account. Also, applying for it will only result in a soft pull on your credit.
Just keep in mind that the GO2bank Secured Credit Card is only available to existing GO2bank accountholders.
You can reset your GO2bank Secured Credit Card's PIN from your online banking account, or via the Go2Bank app for iOS and Android.
Another way to reset your PIN is by calling the number on the back of your card or (855) 459-1334.
Yes, the GO2bank Secured Credit Card is a credit card designed for applicants with bad credit. It works just like a regular credit card, by allowing you to make purchases on credit with the promise to repay at a later date. The card reports your account activity to the three major credit bureaus every month. This means that if you make your payments on time and keep a low credit utilization, the GO2bank Secured Credit Card can help you rebuild your credit.
The only difference between...
To get a GO2bank Secured Credit Card credit limit increase, log in to your online account and select your card from the dashboard. Then, go to "Menu," select "Adjust your credit limit" and then "Increase my credit limit" to start the process.
Be prepared to provide information about your monthly income and expenses. If approved, you'll have the opportunity to add more money to your security deposit, up to the approved credit limit increase.
You can make GO2bank Secured Credit Card payment online, through the GO2bank mobile app, or by mail. To pay your GO2bank Secured Credit Card bill online, log in to your online account and click on “">" in the top right corner of the secured credit card section and select the payment tile.” Then, choose how much to pay, when to pay it, and where the payment is coming from. GO2bank does allow cardholders to set up automatic payments, too.
Ways...
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The starting credit limit for the GO2bank Secured Credit Card is $100 or more. Everyone who gets approved for a GO2bank Secured Credit Card is guaranteed a credit limit of at least $100, though each person's exact starting credit limit will depend on how much of a security deposit they put down. When you first open the secured card, the amount of your security deposit will be your credit limit. The minimum security deposit required to open a GO2bank Secured Credit Card account is...
The maximum amount that you can deposit for your GO2bank Secured Credit Card cannot be higher than your credit limit. So, for example, if you're approved for a $5,000 credit limit, then the maximum amount that you can deposit is $5,000.
You don't have to deposit the maximum amount at once, though. You can do it gradually, in increments of at least $1. The initial deposit required to open the account, however, cannot be less than $100.
To talk to GO2bank Secured Credit Card customer service, call (855) 459-1334 and then provide your card number or your Social Security number and follow the instructions given by the automated service. This process will get you in contact with a live representative who should be able to answer your questions or direct you to the appropriate department.
How to Talk to GO2bank Secured Credit Card Customer Service by Phone
Yes, you can rent a car with your GO2bank Secured Credit Card, as long as you have enough available credit. Secured credit cards aren't the best option for car rentals, though, considering their low credit limits. For this purpose, you might want to use an unsecured card, or choose an alternative payment option that doesn't include a credit card.
Share your insights and review for the GO2bank Secured Credit Card
Best debit card I’ve had period helps build my credit and good overdraft fees. Not a big hassle, billing is ok an they tell u what u need to do to build up your credit thanks GO2bank for giving me a second chance
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Offer last updated: Oct 22nd, 2025 at 09:17 ET
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