Refresh Financial Secured Visa Card

Refresh Financial Secured Visa Card

With the Refresh Financial Secured Visa card, you can secure your credit limit with a deposit then build your credit score.

Welcome Bonus


Best For

Year 1


Years 2 and +


Annual Fee


Interest rates
Purchase Rates

17.99 %

Cash Advance Rates

Balance Transfer Rates

Your Monthly Spending



  • Guaranteed Approval
  • No credit checks required
  • Approved unconditionally
  • Build credit while making purchases
  • Low interest
  • Low annual fee ($12.95 per year)
  • No cash advance fee

Fees & Conditions

Personal Income $0
Household Income $0
Annual Fee $12.95
First Additional Card $0
Foreign Transaction Fee 2.5%
Purchase Rates 17.99%


Year 1
Years 2 and +
Welcome bonus
0 $
Annual credit
Travel benefits
VIP lounges
First-Year Offer Value
Accumulated rewards
Annual fee
Net value

Reward points value

We have established a valuation of the reward point in cents for each loyalty program. More information on the points valuation page.

First-year value

For all credit cards offers, we estimate the value of the welcome offer (bonus, annual fee rebate) in the first year, plus the value of the rewards earned based on your purchases entered in the calculator for the six categories:

  • Grocery
  • Gas/Transit
  • Meals
  • Travel
  • Bills
  • Other purchases

First-Year Net Value = Welcome Bonus Value + Benefits (Annual Credit, VIP lounges, etc.) + Earned Rewards First-Year Annual Fee

Value of subsequent years

For the value of subsequent years, we consider the earned rewards based on your purchases indicated in the calculator and any benefits offered.

Subsequent years’ net value = Earned Rewards + Benefits (Annual Credit, VIP lounges, etc.) Annual fee

VIP lounges:

For credit cards with complimentary airport lounge access, this benefit is calculated as follows:

  • 1 access = $35
  • Unlimited access = $350 (the value of 10 annual visits)


All Spending 0.00
Drugstores 0.00
Groceries 0.00
Convenience Stores 0.00
Gas 0.00
Telecom/Internet 0.00
Local Transport 0.00
Streaming services 0.00
Dining and Food delivery 0.00
Online transactions 0.00
Recurring Payments 0.00
Office Supplies 0.00
Travel 0.00
Entertainment 0.00
4 Milesopedia Rating