Citywide Banks
Visa® Secured Credit Card

The Visa Secured Card helps establish and build credit, while still earning rewards with no annual fee. Minimum limit $500.

Cash Back Rewards
for each $1 spent.1

18.75% APR
Variable APR2

Click "Apply Now" to print the application. Submit completed application in "Messages" via Online Banking.

Apply Now

Speak with a personal banker live via video

2Pricing and Terms

Secured by savings account or certificate of deposit

Use your Cash Back Rewards how you like:

  • Deposit into your checking account
  • Have your rewards go towards your next credit card bill
  • Redeem for a wide variety of gift cards
  • Book your next flight


Credit Card Cardholder Agreement

ScoreCard Rewards Terms and Conditions

1 Cash Back Rewards are the rewards earned under the program. They are tracked as points and for each $1 spent on a net purchase, one (1) Cash Back Reward point is earned, which qualifies for $0.01 for redemption. You earn Cash Back Rewards on all qualifying net purchases. The following do not earn points: balance transfers, cash advances, convenience checks, fees, interest or payments. Points can be redeemed for a credit to your credit card account or deposit account held at a domestic United States Financial Institution. Minimum point redemption amount applies. Review the program’s terms and conditions at or call ScoreCard Customer Service at 1-800-854-0790. The program’s rules can change at any time without notice. Void where prohibited or restricted by law.

Credit Cards are issued and serviced by New Mexico Bank & Trust d/b/a HTLF Card Services. Normal Underwriting guidelines apply.

Visa Signature is a registered trademark of Visa International Service Association and is used by the issuer pursuant to license from Visa U.S.A., Inc.

Existing Credit Card Customers: To request your personal Credit Card Cardholder Agreement, please call us at 877.346.1418 or email us at