American Savings Bank Secured Visa Card | Reviews

CARD OVERVIEW

The American Savings Bank Secured Visa Card is known for being a simple, no-annual-fee option designed purely for credit building. There are no rewards, no signup bonus, and no intro offers — it’s a straightforward secured card where your deposit becomes your credit line.

Most users say they appreciate its accessibility, especially if they’re rebuilding credit or are new to borrowing. Many reviewers mentioned that the required deposit range is reasonable and that ASB keeping the funds in an interest-earning savings account feels like a small but welcome perk. People also tend to like having a local Hawaii-based bank behind the card, which adds a bit of familiarity and trust.

On the downside, cardholders often complain about the high APR, noting that carrying a balance gets expensive fast. Others wish the card came with any kind of rewards, even basic cash back, since many competing secured cards now offer them. A few reviewers also mentioned that foreign transaction fees make it a poor choice for travel.

Personally, I think this card makes sense if you’re an ASB customer who wants a no-frills way to build or rebuild credit while keeping things simple. But if you want rewards or lower rates, you’ll find stronger secured options elsewhere.