White Visa Platinum Credit Card
  • Build or rebuild credit without getting into debt
  • Instant approval
  • Low interest rate of 17.75%
  • No annual fees
  • All the same benefits of the Visa Platinum Credit Card
Annual Fee

$0

Platinum Credit Card Terms and Conditions
Visa Credit Card Agreement and Disclosures

Nusenda Secured Credit Card

A secured credit card is a great way to build credit. It can be a helpful tool to improve your credit by establishing credit history, which contributes to the health of your score. This card requires a security deposit. Deposit at least $250 (up to $5,000) into your membership savings account. The amount you deposit will be your card's spending limit. You can get your card the same day you apply and benefit from a competitive interest rate. Factor in no annual or balance transfer fees, and you can see why this is a safe bet! 

Not a member? Become one today!

Visa Platinum Credit Card Benefits

Preserve hard-earned savings

With a secured credit card, you can use your savings as collateral, borrow at low rates, and keep your savings intact.

UNM and NMSU themed credit cards

Pay with Lobo pride! Nusenda Credit Union offers a series of UNM-themed Visa credit cards in partnership with the University of New Mexico.

Now you can pay the Aggie way! Nusenda Credit Union, in partnership with New Mexico State University Athletics, now offers NMSU-themed Visa credit cards.

No Annual Fees

No annual or balance transfer fees

No matter which card you choose, there’s no annual fee.

Additional benefits

Contactless

A simple tap of your credit card on checkout terminals with the contactless symbol, and your payment is made quickly and securely.

A convenient way to pay

Mobile Pay

Add your credit card to Apple Pay, Samsung Pay, or Google Pay to make mobile credit card purchases without having to carry your card.

Paying is just a touch away

Credit Card Protection

Offering cardholder credit protection, information about checking your credit report, and preventing credit card fraud.

Learn more about Credit Protector

Visa's Zero Liability Policy

With Visa's Zero Liability Policy you can make purchases anywhere and you’re protected from unauthorized use of your card or account information.

Peace of mind built into every Visa credit card

Secured Credit Card FAQs

Do I need a certain credit score to get this card?

No, a secured card does not require a certain credit rating or score to apply. We do run a hard pull inquiry, but this does not affect your chances of approval.

Is there an annual fee? What about balance transfer fees?

None of our credit cards, including the secured credit card, have annual fees or balance transfer fees.

How soon can I be approved?

You can be instantly approved and a credit card can be printed for you in the branch immediately after signing your documents.

How will this card help my credit report?

Your on-time payments help you build credit and help you build a positive payment history on your credit report

Is there a downpayment required?

Yes. Your secured card requires a downpayment of $275 for a $250 credit card (this pledge is equal to 110% of the requested card limit).

What kind of interest does this card have?

Our secured cards have a competitive interest rate of 17.75% but rates are variable based on the WSJ Prime.

Is there a way to increase my available balance?

Yes, adding more money to your secured card increases your available balance. You can increase your credit limit at any time, however a new application for the limit increase would have to be placed and funds would have to be added for the 110% pledge.

What is the intro rate?

This card has a 5% introductory rate for the first 18 months (about one and a half years). After 18 months, the rate changes to your normal variable rate of 17.75%.

Can I avoid interest charges?

You will be afforded at least a 21-day grace period to avoid interest charges if you pay your statement balance in full.

How can I make payments for this card?

You can make easy payments through Nusenda App or online banking from your Nusenda account or another financial institution

Is this card protected from fraud?

Yes, you can call to report your card lost or stolen, and you can call to close out your card as well. We will verify your recent transactions for you. With Visa’s Zero Liability Policy, you are not liable for unauthorized transactions.

What about extra benefits?

Including the low 5% interest rate, UNM or NMSU themed cards, and no annual or balance transfer fees. Our cards are contactless, and you can add your card to mobile pay. Additionally, you are covered by credit card protection and Vias’s Zero Liability Policy.

Take control of your credit

We want to help you build financial confidence and take control of your credit. Now with Credit Score, building great credit is convenient and easy! When you log into Mobile or Internet Banking and opt in, you can check your score as much as you like without ever lowering your score.

  • View your latest credit score and report
  • Receive alerts whenever your score changes
  • Develop an understanding of key factors that impact your score
  • Try a simulator to learn the impact of your financial decisions before you make them
  • See the most up-to-date offers that can help manage your finances and strengthen your score
  • Track any changes in your score to prevent or fight fraudulent activity