Amtrust Bank Secured Card | Reviews

CARD OVERVIEW

The AmTrust Bank Secured Card is mainly known as a straightforward credit-building tool. There’s no rewards program, no intro bonuses, and usually no annual fee, which makes it a simple option for anyone trying to establish or rebuild credit without extra costs.

Most users say the card “does what it promises.” They appreciate that the security deposit equals the credit limit, the monthly reporting to all three bureaus is consistent, and the online account management (through FNBO) is easy to navigate. Many reviewers mentioned that the bank tends to offer credit-line increases over time—sometimes without requiring an additional deposit—which feels like a win for credit improvers.

On the downside, people often complain about the low starting limits, the lack of upgrades to an unsecured card, and the few perks compared to newer secured cards that offer cash back. Some also note that customer service can be slow during peak hours.

Personally, I think this card is best for someone who wants reliable credit reporting and minimal fees, with zero fluff. If you want rewards or a clear path to graduation, you might find better value elsewhere—but for pure credit building, it’s a solid, no-nonsense pick.