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Secured Credit Cards A Secured Credit Card from
BB Americas Bank can help
you meet your goals.
BB Americas Bank can help
you meet your goals.
Keep Scrolling
Our Secured Credit Cards are designed with our clients in mind, allowing you to make purchases domestically or internationally without incurring any international transaction fees.
Enjoy 0% APR for the first 12 months.
For more information about the Credit Card, Fees Schedule, and Terms & Conditions, click here.
Choose the category:
Classic Secured
0% APR for the first 12 months
- Visa®
- Zero fraud liability protects you against fraud in case your card is used without your consent. Plus, BB Americas Bank alerts its clients in order to prevent fraud cases.
- Set up monthly payments through the Credit Card portal to avoid late fees.
- Add an authorized user to your account.
Coverage
- Emergency Card Replacement*
- Emergency Cash Disbursement*
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Platinum Secured
0% APR for the first 12 months
- Visa®
- Zero fraud liability protects you against fraud in case your card is used without your consent. Plus, BB Americas Bank alerts its clients in order to prevent fraud cases.
- Set up monthly payments through the Credit Card portal to avoid late fees.
- Add an authorized user to your account.
- uChoose Rewards Program
Coverage
- Emergency Card Replacement*
- Emergency Cash Disbursement*
- Travel Accident Insurance*
- Trip Cancellation Insurance*
- Auto Rental Collision Damage Waiver*
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Low Annual Fee
Classic Secured
Low annual fee and 0% Introductory APR for the first 12 months¹ to pay for everyday expenses.
Deposit Amount: $500 to $2,900
Key Benefits
No foreign transaction fees
On purchases within and outside of the U.S.
Intro Purchase APR
0% APR for the first 12 months on purchases and balance transfers*
*After the first 12 months, 18.00%
Annual Fee
$60
Available For
Existing BB Americas Bank Clients (Non-U.S. Citizens or Non-U.S. Permanent Residents).
Travel
Platinum Secured
Turn your travel goals into reality, by choosing a card that rewards you for your everyday spending.
Deposit Amount: $3,000 to $100,000
Key Benefits
No foreign transaction fees
On purchases within and outside of the U.S.
uChoose Rewards Program
Earn 1.1 points for every $1 spent.
Intro Purchase APR
0% APR for the first 12 months on purchases and balance transfers*
*After the first 12 months, 18.00%
Annual Fee
$120
Available For
Existing BB Americas Bank Clients (Non-U.S. Citizens or Non-U.S. Permanent Residents).
¹After that, your APR will vary between 16.24% to 18.00% based on your creditworthiness when you open your Account.
²Certain terms, conditions and exclusions apply. All travel benefits are provided by Visa®. Regarding Travel Accident Insurance, Trip Cancellation Insurance, Auto Rental Collision Damage Waiver, the cardholders may contact Visa® at 1-800-VISA-911 or 410-581-9994 outside the United States or visit www.visa.com for more information.
-Secured Credit Card applicants are required to open a Personal Secured Credit Card Checking Account or a 24-month CD and assign as collateral. The CD will automatically renew at the end of the 24 months.
Pricing Disclosure
Interest Rates and Interest Charges
| Annual Percentage Rate (APR) for Purchases | 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your Account. After that, your APR will be variable between 16.24% to 18.00% based on your creditworthiness when you open your Account. |
| (APR) for BalanceTransfers | 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your Account. After that, your APR will be variable between 16.24% to 18.00% based on your creditworthiness when you open your Account. |
| (APR) for Cash Advances | 18.00% APR for Cash Advances. |
| Penalty APR and When it Applies | Variable rate up to 18.00% based on your creditworthiness. This APR may be applied to your account if you: 1) Make a late payment; 2) Go over your credit limit twice in a six-month period; 3) Make a payment that is returned How long will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date of each month. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.50. |
| For Credit Card Tips from the Consumer Financial Protection Bureau | To learn more about the factors to consider when applying for or using a credit card visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore |
| Fees | |
| Annual Fee | None |
Transaction Fees
|
Either $5 or 3% of the amount of each balance transfer, whichever is greater, up to $100.00. This fee is a finance charge. $5.00. 0% of the transaction amount. 0% of each US$ transaction made outside the U.S. Puerto Rico, or U.S. Virgin Islands. |
Penalty Fees
|
Up to US$39. None Up to US$39. |
Other Fees
|
Domestic (within the USA) $25; International $45. If a copy of any monthly statement, sales draft or similar document is provided by us at your request (other than in connection with billing error inquiries or resolution), a document fee of $3.00 plus applicable sales tax, may be assessed. |
How We Will Calculate Your Balance: For Purchase balances, we will use a method called “Daily Balance” (including new purchases). See the section title Calculation of Interest Charges in your Credit Card Agreement and Disclosure Statement for more details.
Loss of Introductory APR: We may end your introductory APR and apply the Purchase APR or Balance Transfer APR if you make a late payment.
Pricing Disclosure - Secured Credit Card
Interest Rates and Interest Charges
| Annual Percentage Rate (APR) for Purchases | 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your Account. After that, your APR will be variable between 16.24% to 18.00% based on your creditworthiness when you open your Account. |
| (APR) for Balance Transfers. | 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your Account. After that, your APR will be variable between 16.24% to 18.00% based on your creditworthiness when you open your Account. |
| (APR) for Cash Advances | 18.00% APR for Cash Advances. |
| Penalty APR and When it Applies | Variable rate up to 18.00% based on your creditworthiness. This APR may be applied to your account if you: 1) Make a late payment; 2) Go over your credit limit twice in a six-month period; 3) Make a payment that is returned How long will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date of each month. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.50. |
| For Credit Card Tips from the Consumer Financial Protection Bureau’ | To learn more about the factors to consider when applying for or using a credit card visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore |
| Fees | |
| Annual Fee | Domestic Secured Credit Cards: Visa Classic $25; Visa Platinum $25; Visa Platinum Plus $25
International Secured Credit Cards: Visa Classic $60; Visa Platinum $120; Visa Platinum Plus $200 |
Transaction Fees
|
Either $5 or 3% of the amount of each balance transfer, whichever is greater, up to $100.00. This fee is a finance charge. $5.00. 0% of each US$ transaction made outside the U.S. Puerto Rico, or U.S. Virgin Islands. |
Penalty Fees
|
Up to US$39. None Up to US$39. |
Other Fees
|
Domestic (within the USA) $25; International $45. If a copy of any monthly statement, sales draft or similar document is provided by us at your request (other than in connection with billing error inquiries or resolution), a document fee of $3.00 plus applicable sales tax, may be assessed. |
How We Will Calculate Your Balance: For Purchase balances, we will use a method called “Daily Balance” (including new purchases). See the section title Calculation of Interest Charges in your Credit Card Agreement and Disclosure Statement for more details.
Loss of Introductory APR: We may end your introductory APR and apply the Purchase APR or Balance Transfer APR if you make a late payment.
Pricing Disclosure
Interest Rates and Interest Charges
| Annual Percentage Rate (APR) for Purchases | 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your Account. After that, your APR will be variable between 10.99% to 18% based on your creditworthiness when you open your Account. |
| (APR) for Balance Transfers. | 0% Introductory APR for the first 12 Statement Closing Dates following the opening of your Account. After that, your APR will be variable between 10.99% to 18% based on your creditworthiness when you open your Account. |
| (APR) for Cash Advances | 18% APR for Cash Advances. |
| Penalty APR and When it Applies | Variable rate up to 18% based on your creditworthiness. This APR may be applied to your account if you: 1) Make a late payment; 2) Go over your credit limit twice in a six-month period; 3) Make a payment that is returned How long will the Penalty APR Apply? If your APRs are increased for any of these reasons, the Penalty APR will apply until you make six consecutive minimum payments when due. |
| How to Avoid Paying Interest on Purchases | Your due date is at least 25 days after the close of each billing cycle. We will not charge you interest on purchases if you pay your entire balance by the due date of each month. |
| Minimum Interest Charge | If you are charged interest, the charge will be no less than $1.50. |
| For Credit Card Tips from the Consumer Financial Protection Bureau’ | To learn more about the factors to consider when applying for or using a credit card visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore |
| Fees | |
| Annual Fee | Domestic Secured Credit Cards: Visa Classic $25; Visa Platinum $25; Visa Platinum Plus $25 International Secured Credit Cards: Visa Classic $60; Visa Platinum $120; Visa Platinum Plus $200 |
Transaction Fees
|
Either $5 or 3% of the amount of each balance transfer, whichever is greater, up to $100.00. This fee is a finance charge.
$5.00. 0% of the transaction amount. 0% of each US$ transaction made outside the U.S. Puerto Rico, or U.S. Virgin Islands. |
Penalty Fees
|
Up to US$39. None Up to US$39. |
Other Fees
|
Domestic (within the USA) $25; International $45. If a copy of any monthly statement, sales draft or similar document is provided by us at your request (other than in connection with billing error inquiries or resolution), a document fee of $3.00 plus applicable sales tax, may be assessed. |
How We Will Calculate Your Balance: For Purchase balances, we will use a method called “Daily Balance” (including new purchases). See the section title Calculation of Interest Charges in your Credit Card Agreement and Disclosure Statement for more details.
Loss of Introductory APR: We may end your introductory APR and apply the Purchase APR or Balance Transfer APR if you make a late payment.
uChoose Rewards Program
Redemption for the Statement Credit/Cash Back to Account
| UChoose Rewards® Points | Statement Credit |
|---|---|
| 2,500* | $25 |
| 5,000 | $50 |
| 7,500 | $75 |
| 10,000 | $100 |
| 15,000 | $150 |
| 20,000 | $200 |
| 30,000 | $300 |
| 40,000 | $400 |
| 50,000 | $500 |
| 60,000 | $600 |
| 70,000 | $700 |
| 80,000 | $800 |
| 90,000 | $900 |
| 100,000 | $1,000 |
* Minimum # of points required for Statement Credit Redemption.