| Rewards | 5% cash back on your first $2,000 of combined purchases each calendar quarter in two selected categories (like TV/streaming, utilities, etc.) 2% cash back on one everyday category (gas or groceries / EV charging) 1% cash back on all other eligible purchases. You can redeem rewards as a statement credit, a rewards card, or a deposit into an Associated Bank account. |
|---|---|
| Signup Bonus | N/A |
| Annual Fee | None. |
| Cardmember Agreement | View Here |
| Cash Advance APR | N/A |
| Cash Advance Fee | N/A |
| Late Payment Fee | N/A |
| Purchases APR | N/A |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Associated Bank Secured Visa Credit Card is primarily known as a credit-building secured card that rewards responsible use. It has no annual fee and offers the Max Cash Secured rewards program: 5% cash back on two rotating categories each quarter (up to $2,000 in combined purchases), 2% on one everyday category, and 1% on all other purchases. There’s no advertised signup bonus, but the card is designed to help users establish or rebuild credit while earning some rewards.
Most users say they appreciate the straightforward cash-back rewards and the ease of managing a secured card. Many reviewers mentioned that it’s particularly helpful for building a credit history without the burden of annual fees. The online account management tools are also noted as user-friendly and transparent.
On the downside, some users point out that the APR can be high for carrying balances, and the rotating categories require some planning to maximize rewards. A few also mention that customer service can be slow during peak times.
Personally, I think this card is best for first-time credit users or those rebuilding credit who want a no-fee, rewards-earning secured option. If your goal is rewards or low-interest borrowing, you might find better options elsewhere.
RATE THIS CREDIT CARD
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Too many fees for a secured card
I got this card to rebuild credit, but the monthly fees and deposit requirements feel excessive. The rewards are nonexistent, and customer support was slow to respond. Not worth the hassle.
