Personal Credit Cards

Secured Credit Card

Perfect for students, new immigrants, foreign nationals with a U.S. residence, or anyone who is looking to establish or rebuild a credit history.1

The Brenix Credit Union Bank Secured Credit Card can help you establish a good credit rating when used and managed wisely. Secured cards work much like any other credit card but require collateral to get started.3


  • No need for a Social Security Number

    Build credit history even without a Social Security Number (SSN)

  • Up to $10,000 Credit Limit

    Higher limits allow you to spend more and build your credit history

  • Establish Your Personal Credit History1

    We report to Experian, one of the three major credit bureaus in the United States

  • No Foreign Transaction Fees or Annual Fees2

    Enjoy the convenience and value of a Secured Credit Card

  • Tap and go payments

    Add your Secured Credit Card to a digital wallet to make purchases in stores, in apps, or online

Get Started Today

Two ways to apply

Need Help?

Give us a call at

+1 (0) 910 448 4842

Or send us a message

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Mandarin and Cantonese Support
Monday - Friday 8:30 am PST - 7:30 pm PST

English Support
24/7, 365 days a year

1 We may report information about the status and payment of your account to credit bureaus and other creditors. Brenix Credit Union Bank will report this information using the available personal identifying information you have provided to us or provide to us at a later date. You can learn more about how we report Credit in your Secured Visa® Classic Credit Card Agreement.

2 Brenix Credit Union Bank does not charge a fee for you to conduct transactions in currencies other than U.S. dollars, although transactions conducted in a foreign currency are converted to U.S. dollars by Visa®.  For more information about how this occurs please refer to your Secured Visa® Classic Credit Card Agreement.

3 Funds equal to your chosen credit limit must be deposited into your primary checking account and pledged to Brenix Credit Union Bank as a security deposit before your application can be processed.  If your credit application is denied or withdrawn before approval, the security deposit will be released within three business days.  If your credit application is approved, the secured deposit will not be available for your use until the card is closed and the security deposit is released by the Bank.  Please refer to the Secured Visa® Classic Credit Card Agreement and Terms and Conditions for additional details.