Simple payment solution, mobile banking, credit reporting, secured card and cash back rewards

Updated: Sep 24, 2022

Advertiser Disclosure

GO2bank is a Green Dot Bank brand that offers GO2bank secured Visa card to build credit, optional debit card, high-yield savings account, online banking, and free credit reporting to all 3 credit Bureaus. GO2bank goal is to give quality support, easy access, high rewards and attractive benefits for account holders.




See Terms



45 User Ratings


at Go2bank's Secured website

Apply Now

Introductory APR


Intro APR Period


Recommended Credit Score

Bad Credit OK

Key Features

  • Overdraft protection up to $200 with opt-in and eligible direct deposit*
  • No monthly fees with eligible direct deposit, otherwise $5 per month
  • Earn up to 7% cash back when you buy eGift Cards in the app

Our Take

Are you tired of being denied credit? Do you have bad credit or no credit? The GO2Bank Secured Card can help you get the credit you deserve. With the GO2Bank Secured Card, you can build or rebuild your credit history with responsible use. You will enjoy peace of mind knowing that your credit limit is equal to your security deposit. And, there is no annual fee, no credit check, and free monthly credit reporting. Apply now and get started on the path to the credit you deserve.

What Are GO2Bank Secured Card Benefits?

  • No annual fee. GO2bank Secured card has no annual fee
  • Build credit. Reports to all three Credit Bureaus for building credit faster
  • No credit check when applying. Bank accepts all credit. The application will not affect your credit score
  • High limit. The Maximum credit card limit is $20,000, which is indeed very high for a secured card. The minimum is $100
  • Monthly credit score. You can follow your score growth with the free monthly VantageScore program

How Does GO2bank Secured Card work?

  1. You need to set up an ASAP Direct Deposit on your Go2bank account
  2. Get at least $100 in direct deposits over 1 month period
  3. Apply online for Go2bank Secured Visa Credit Card
  4. Make an initial deposit of at least $100 to set up your refundable security deposit
  5. Enjoy your new secured credit card, and start building your credit. Go2bank, like Sable, reports all your credit activities to 3 Credit Bureaus

How to Apply for the GO2Bank Secured Card

The GO2Bank Secured Card is a great way to get the credit you deserve. Here’s how to apply for the card:

1. Go to the GO2Bank website by clicking the “Apply Now” button.

2. Fill out the application form with your personal and financial information.

3. Choose your credit limit and submit your application.

4. Once you’re approved, you’ll receive your GO2 Secured Card in the mail.

5. Activate your card and start using it right away.

With the GO2Bank Secured Card, you can enjoy all the benefits of a credit card without the risk of overspending. So what are you waiting for? Apply today!

Important Fees

  • The monthly fee is $0 whenever you receive government benefits or a payroll direct deposit in the previous monthly statement period. Otherwise, fee is $5 per month.
  • There is no fee for transferring money from a linked bank account.
  • Cash deposits have up to a $4.95 retail service fee.
  • There is a 1.5% fee (min $1.00) added to each transfer amount when the transfer occurs from a linked debit card.
  • There is a 1% or 5% fee for instant checks cashing with the app. The fee depends on the check type. The minimum fee is $5 per check.

Go2bank Secured Card Competition

Frequently Asked Questions

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Basic Information
Issuer: Green Dot Bank
Network: VISA®
Category: Consumer (Secured)
Best Used For:
  • Cards for Bad Credit
  • Young Adults
  • No Credit / New to Credit
  • Building Credit
  • Rebuild Credit
Rewards: Yes
Reward Types:
  • Cash Back Rewards
  • Other Rewards
Reward Units: Cash
Rates & Fees
Regular APR: See Terms
Regular APR Type:
Annual Fee: $0
Balance Transfer: No
Other Fees:
  • Direct deposit: $0
  • In-network ATM withdrawal: $0.00
  • In-network ATM balance Inquiry: $0.00
  • Out-of-network ATM withdrawal: $3.00
  • Out-of-network ATM balance inquiry: $0.50
  • Teller cash withdrawal: $3.00
  • Replacement card: $0.00
  • Foreign transaction fee: 3%
  • Expedited delivery: $24.95

GO2bank Alternatives




Annual Fee


Regular APR

See Terms

Intro APR


Rec. Credit Score

Bad Credit OK

Additional Information & Comments

*Terms and conditions apply. Cards issued by GO2bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Overdraft fees may apply. Click Apply Now to learn more.

*The information provided for GO2bank is believed to be accurate at the time of evaluation or recent update on September 24, 2022. However, we strongly advise visitors to review the card fees and Terms & Conditions on the issuer's website by following Apply Now link to verify the accurancy of the information posted prior to applying for this card offer.


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Rec. Credit Score: Bad Credit OK

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