GO2bank Secured Visa Credit Card
By Alex Compton · Last verified
Green Dot's plain secured card for people already banking with GO2bank.
Welcome Bonus
None
No welcome offer. $0 annual fee, $100 minimum security deposit, 22.99% APR, 3% foreign transaction fee, no credit check for GO2bank accountholders with $100+ in deposits in the past 30 days
Spend Requirement
None
Annual Fee
$0
3% FTF
Credit Score
None
required (no credit check for eligible GO2bank accountholders)
Historical Offers Chart
Every public offer change we've tracked. Hover for details, timing your application is worth hundreds of dollars.
No numeric welcome bonus recorded
This product has no points- or cash-denominated offer to plot. Dated no-offer observations, non-points benefits, corrections, and primary-source links remain preserved in the table below.
| Observed | Offer | Requirement | What changed | Evidence |
|---|---|---|---|---|
| 2026-10-12 | $0 | No recorded spend | Terms reconfirmedNo welcome offer. $0 annual fee, $100 minimum security deposit, 22.99% APR, 3% foreign transaction fee, no credit check for GO2bank accountholders with $100+ in deposits in the past 30 days | GO2bank Secured Visa product page and Secured Credit Cardholder Agreement → |
| 2026-06 | $0 | No recorded spend | Earliest recordNo welcome offer | Archive record · no attached snapshot |
Primary-source verification log
Append-only evidence ledger- changed
$0 fee, $100 minimum deposit, 22.99% APR, 3% FX fee and $5 checking fee (waived with direct deposit) confirmed; it is 'no credit check' rather than 'soft pull', and eligibility requires $100+ in deposits in the past 30 days.
Fields: creditScore, benefits, pros, cons, ourTake
GO2bank Secured Visa product page and Secured Credit Cardholder Agreement →
Source checked 2026-10-12 · spot an outdated offer? Report a correction above.
Earning Rates
- 0xNo rewards: this card is purely for building credit
Credits
No statement credits, this card wins on earn rates, not coupons.
Benefits
- ✦No annual fee and no credit check for eligible GO2bank accountholders
- ✦Refundable security deposit starts at just $100
- ✦Reports to all three credit bureaus monthly
- ✦Managed inside the GO2bank app alongside your account
Why it earns its spot
- +$100 minimum deposit is among the lowest anywhere
- +No annual fee and no credit check
- +Backed by Green Dot, a long-established issuer
Where it costs you
- −Only available to GO2bank accountholders with at least $100 in direct deposits or transfers in the past 30 days
- −No rewards, a 22.99% APR if you carry a balance, and a 3% foreign transaction fee
- −GO2bank checking itself has a $5 monthly fee unless you have direct deposit
The Compound Verdict
A perfectly ordinary secured card whose one notable number is the $100 minimum deposit, half the usual entry price. The requirement to hold a GO2bank account first, with at least $100 deposited in the past 30 days, is the real cost, since that account charges $5 a month without a direct deposit. If you already use GO2bank, this is a cheap add-on; if not, Discover and Capital One secured cards are better destinations.
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