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First Bank Platinum Secured MasterCard

credit or debit card

Build your credit, improve your financial well-being.

A flexible and easy way to make every day and monthly purchases, First Bank’s Secured MasterCard is a perfect option for those with low or no credit history who want to improve their score.


Build your credit

The Platinum Secured MasterCard™ allows you to build a positive credit history by using your card responsibly and making your payments on time. Your activity is shared with the three credit bureaus, just like a regular credit card.It’s also accepted almost everywhere like any other credit card, and the deposit you use to secure your card acts as your spending limit.


Manage your account online

EZCardview provides instant access so you can:
  • Check your balance
  • View your transactions (up to 12 months)
  • Make a payment to your card from your connected savings or checking account
  • Sign up and manage your e-Statements


EMV chip security

The chip on your card provides additional security when used at terminals and ATMs that are chip-enabled. Each transaction is encrypted and this increases the security of your data.Read more about EMV Chip Cards.
MasterCard Services

There are a number of additional MasterCard services that come with your card

Price protection

Should you find a lower price for a new item using your eligible MasterCard®, you may be reimbursed for the price difference. Call MasterCard® at 1-800-622-7747 for more information about available coverage.

Extended warranty

Most manufacturer's warranties are doubled up to one year when you pay with your eligible MasterCard.

Zero liability

Pay only for purchases which you have authorized on your MasterCard®. Unauthorized purchases are not your responsibility.

MasterCard SecureCode

Protect yourself from fraudulent use of your card information online when you register your card with MasterCard SecureCode.

MasterCard Automatic Billing Updater

Automatic billing updater is a convenient way to ensure your recurring payments continue when a new card is issued. This currently works with many national retailers, and we are continuing to expand it to more businesses.

MasterCard Global Service

Wherever you travel worldwide, you can always count on MasterCard Global Service® for any card-related need. With 24-hour, 365 days a year service, Global Service can connect you with a representative who speaks your language, and can help with:
  • Lost or stolen cards
  • Emergency replacement cards
  • Emergency cash advances
  • Access account-related information
  • Access any applicable card benefits
View the MasterCard Guide to Benefits for additional details on the programs and services mentioned above.

Amount Limits

Minimum Deposit Required to Open a Card: $325
Maximum Card Limit: $5,000
Daily ATM Cash Advance Limit: $425
Deposit used to secure card acts as spending limit

Interest Rates

Variable APR for Purchases and Balance Transfers: 20.40%
Variable APR for Cash Advances: 23.40%
APRs are current as of 1/10/2019. Ask us about the most current APR and any other cost associated with this card.


Annual Fee: $48 (to begin with the first statement, and then annually thereafter)
See our Disclosure Summary for complete details on rates and fees. Also refer to the Secure Credit Card Agreement Addendum for additional information.
Credit building FAQs

Tips and common questions about building a positive credit history from using a secured card

When you sign up for our secured credit card, First Bank will report the account to the three credit bureaus. Then when you use your card and make your payments on time, you can build a positive credit history that can help you establish new and additional types of credit in the future.The following will help you get the most out of your card:
  • Keep your balances well below your credit limit. High utilization can negatively impact your credit score. If do you carry a balance from month to month, don’t let your debt balance exceed 30% of your credit limit.
  • Use the credit card for occasional small or recurring purchases. Responsible card use and on-time repayments will help you build a good credit history
  • Pay off your balance each month. When you are first building good credit, do your best not to carry a significant balance on the card.
  • And be sure to make 100% of your payments on time, not only with credit accounts but also with other accounts, such as utility bills. This way, you won't risk forgetting about your payments.
  • Avoid applying for new credit accounts at one time. If you apply for too much credit in too short a period of time, your credit score will fall.
© 2018 MasterCard. MasterCard and the MasterCard brand marks are trademarks of MasterCard International Incorporated. Credit applications are subject to credit approval.