.png)
Secured Credit Cards
Build Your Credit With Secured Card Options
START BUILDING CREDIT AND OPPORTUNITY WITH A SECURED CREDIT CARD FROM ON TAP
Two Unique Card Types - Always Low Rates
SUMMIT VISA®
Our classic VISA card with
the lowest rate.
the lowest rate.
REWARDS VISA®
Earn reward points for
every dollar you spend.
every dollar you spend.
Discover The Benefits
no annual
fees
no balance transfer fees
no cash advance fees
low
rates
fraud protection
Build Credit Safely
ADDITIONAL SECURITY INFO AND OPTIONS
Click An Option Below To Learn More
Enhanced Security
Loan Protection
Extras
×
We believe credit cards should offer security as well as convenience, a low rate and not a lot of fees
Know that your transactions are safe with EMV chip technology to protect your data, Lock It™ Card Control that allows you to turn your card on and off, and SecurLOCK® to guard against fraud.
Lost your card? Sign in to Online or Mobile Banking to lock your card using Lock It™ Card Control or contact us at 303.279.6414 during business hours.
×
With Loan Protection, your loan payments are made for you if you can't make them yourself.
You can also customize your Loan Protection package to any one of these options:
Protect yourself and your family by getting loan protection on your auto loans and credit cards
On Tap Credit Union's Loan Protection provides peace of mind that your loans are secure in case of an unforeseen event that could impact your ability to make your payments.
With Loan Protection, your loan payments are made for you if you can't make them yourself.
You can add Loan Protection to your On Tap Credit Union auto loans, credit cards, lines of credit, personal loans and deposit-secured loans. Should an unfortunate situation occur and you cannot make your loan payments, Loan Protection:
Helps protect you and your family against financial hardship
Helps protect your good credit rating
Reduces the financial burden on your family should you become disabled, lose your job or become deceased
Is easy to enroll in and has simple eligibility requirements
Can protect up to two borrowers per loan
You can also customize your Loan Protection package to any one of these options:
Life
Life and Disability
Life, Disability, and Involuntary Unemployment
This is a summary of our Loan Protection program. Learn more here.
Enrollment in the program is voluntary and not required to obtain a loan. Loan Protection is a debt cancellation product available through On Tap Credit Union. Please contact your On Tap Credit Union loan representative for additional information on benefit maximums, eligibility and limitations. As of January 10, 2014 On Tap Credit Union no longer offers Loan Protection on Home Equity Loans.
×
Our Visa® credit cards come with an additional
Our Visa® credit cards come with an additional
Auto Rental Collision Damage Waiver benefit and Zero Liability®**
Auto Rental Collision Damage Waiver eliminates the need for you to pay for the collision damage waiver or similar provision provided by commercial auto rental companies on most passenger vehicles—saving you in insurance costs. Click here(Opens in a new Window) for additional information.
*Visa’s Zero Liability Policy does not apply to certain commercial card transactions and anonymous prepaid card transactions or transactions not processed by Visa. Cardholders must use care in protecting their card and notify their issuing financial institution immediately of any unauthorized use and for additional details.
How Does A Secured Credit Card Work?
Three Simple Steps To Begin Building Your Credit
Step 1
.png)
Deposit funds to your account. These funds will be placed on hold to secure your new credit limit at your qualified interest rate.
Step 2
Open your secured credit card. Your funds are made available through your card for use just like any other credit card.
Step 3
Watch as your credit score grows. Make on-time payments and keep your balance low to build your credit score.
PAY THE CONVENIENT WAY WITH DIGITAL WALLETS
Looking for a faster, more convenient way to pay? Check out these digital wallet options and access your cards with the tap of your phone.
CHOOSE YOUR CARD DESIGN
Explore our exclusive designs that celebrate your favorite Colorado beers and the sites that make our state so unique.
APPLY FOR YOUR CARD IN LESS THAN 5 MINUTES
Complete your refreshingly fast application in less time than it takes to finish your favorite beverage.
Frequently Asked Questions
What is a secured credit card?
A secured credit card requires a refundable cash deposit that becomes your credit limit and serves as collateral. On Tap’s secured credit cards are designed to help you build or rebuild your credit while enjoying Visa convenience.
How does a secured credit card from On Tap work?
You provide a cash deposit to secure your credit line, use the card for purchases, and On Tap reports your payment history to credit bureaus. Paying on time and keeping balances low can help improve your credit.
Are there annual fees or hidden fees?
No. On Tap secured credit cards have no annual fee, no balance transfer fees, and no cash advance fees.
Will a secured credit card help improve my credit score?
Yes. On Tap reports your activity to major credit bureaus. Responsible use and timely payments can improve your credit over time.
What credit score is required?
Secured credit cards are ideal for members with limited or challenged credit history. Because your deposit secures the card, approval is often easier than unsecured cards.
Can I use my secured card with digital wallets?
Yes. Once approved, you can add your secured credit card to Apple Pay or Google Pay to make secure mobile purchases.
What security features are included?
Secured credit cards include EMV chip technology, fraud monitoring, and card control tools to help prevent unauthorized transactions.
What should I do if my card is lost or stolen?
You can lock your card instantly in mobile banking and contact On Tap immediately to request a replacement card.
How do I apply?
You can apply online in minutes. Once approved, your deposit secures your credit limit so you can start building credit right away.
*Credit Cards. APR = Annual Percentage Rate. Conditions, restrictions, and credit approval apply. Refer to your Credit Card Agreement for complete information. OTCU membership of $5 is required. Federally Insured by NCUA