You're in the driver's seat.
Your security deposit becomes your credit line, which means you decide how much purchasing power you want to start with. More control. Fewer surprises.
VISA SECURED
Your first step to a stronger
credit score starts here.
Your credit score is one of the most powerful numbers in your financial life — and if it needs some work, we've got a card built for exactly that. The Arise Mastercard® Secured Credit Card gives you real purchasing power, a fixed 13.99% APR, and a clear path toward the credit you deserve.
Good credit starts here.
The Arise Mastercard® Secured is designed for people who are ready to move forward. Backed by a refundable security deposit and built to help establish credit, it's a simple way to turn good habits into real progress.
No credit check to apply.
We've removed one of the biggest barriers to getting started. No credit check is required to apply for the Arise Mastercard® Secured.
Build today. Qualify for more tomorrow.
We report your payment activity to the major credit bureaus, so responsible use can help strengthen your credit profile over time. It's not magic. It's consistency — and it works.
Find your rate with
no commitments
Everything we do is completely transparent. Including our rates. Compare them now.
Check RatesYou're three steps away from building better credit.
Getting started is simpler than you might think. In just a few minutes, you can apply for the Arise Mastercard® Secured and take the first step toward building your credit history.
Step 01
Tell us about yourself.
We'll need some basic information, including your name, address, and a few details to verify your identity.
Step 02
Fund your security deposit
Choose the amount you'd like to use as your refundable security deposit. That deposit becomes your credit line, which means you're in control from day one.
Step 03
Start building credit
Once approved, activate your card and start using it responsibly. We'll report your payment activity to the major credit bureaus, so the good habits you're building can help strengthen your credit profile over time.
Your Arise Secured Card questions, answered.
The ones we hear most. Answered plainly, without the fine print.
What is the Arise Secured Card?
The Arise Secured Card works like a traditional credit card, with one key difference: your credit line is backed by a refundable security deposit. It's a simple way to establish credit for the first time or rebuild credit after a setback. The best part? Responsible use is reported to the major credit bureaus, so your good habits get the credit they deserve.
How is my credit limit determined?
Your credit limit is based on the amount of your security deposit. In simple terms, your deposit becomes your credit line. More deposit, more purchasing power. No mystery math involved.
Do I need good credit to get the Arise Secured Card?
No. The Arise Secured Card doesn't require a credit check to apply. Whether you're starting from scratch, rebuilding your credit, or just looking for a fresh start, this card is designed to help you move forward.
Can the Arise Secured Card help build credit?
Yes. The Arise Secured Card reports your payment activity to the major credit bureaus. Making payments on time and keeping your balance manageable can help strengthen your credit profile over time. Credit building isn't about perfection - it's about consistency.
Can I qualify for an unsecured credit card later?
You may. As you build positive payment history and strengthen your credit profile, you could become eligible for an unsecured Arise credit card in the future. Think of the Arise Secured Card as a stepping stone, not a permanent destination.
Does the Arise Secured Card have an annual fee?
No. There is no annual fee. One less bill. You're welcome.
What is the interest rate on the Arise Secured Card?
The card features a competitive fixed APR on purchases and cash advances. For current rates and disclosures, please visit our rates page.
Can I get cash advances with the Arise Secured Card?
Yes. Cash advances are available to eligible cardholders, subject to your available credit limit and account terms.
Can I set up automatic payments?
Absolutely. You can schedule payments directly from your Arise Spending, Checking, or Savings Account, making it easier to stay on track and avoid missing a due date.
What should I do if my Arise Secured Card is lost or stolen?
Report it immediately by calling 800-562-7328
Can I use my Arise Secured Card while traveling internationally?
Yes. The card can be used anywhere Mastercard® is accepted worldwide. Traveling outside the United States? Let us know before you leave and we'll make a note on your account to help ensure a smoother travel experience.
We're here for you.
Our team is ready to help you reach your goals with personalized support and guidance.
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