A credit card for a fresh start

Credit Building Done Right

The Groundwork Secured credit card can help (re)establish credit history. How? We report your on-time payment behavior to all major credit bureaus, a factor in helping you improve your credit score.

Benefits

Cards Built With The Features You Expect

Credit Bureau Reporting

Groundwork credit cards report your on-time payment behavior to all major credit bureaus, a factor in helping you improve your credit score.

Autopay

Like all modern credit cards, you can set up ongoing payments for your utility, cellphone, streaming service and more using your Groundwork online payment portal.

Tap To Pay

It’s like credit card magic. Tap to pay, or contactless payment, allows you to make purchases quickly, conveniently and (maybe?) with fewer germs.

Customer Service

Our US-based customer service team is friendly, helpful and accessible.

Budgeting and Alerts

Groundwork provides you tools to notify you when you’ve utilized configurable spend levels on your card. Use it to keep your utilization in line with your budget.

Card Details

Groundwork Visa® Secured

  • Credit limit
    Equal to deposit
  • Annual Fee †
    $39
  • APR Type
    Merchandise APR †
  • APR Value
    18%
  • Card Replacement
    Yes
  • 24-Hour Member Service §
    Yes
  • Credit Bureau Reporting
    Yes

* The variable APR range is accurate as of 11/08/2024 and may vary with the market based on the Prime Rate.

†Seefor fees and additional details.

§SeeMember Benefitsfor additional details.

**The image on your Groundwork Card may vary.