Review of the Green Dot primor® Secured Visa® Platinum Card and Gold Card

Brendan Harkness

Brendan Harkness | Reviews

Feb 14, 2015 | Updated May 06, 2019

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Green Dot Bank offers two secured credit card options for people with poor or no credit who want to start building up their credit history: the Green Dot primor® Secured Visa® Platinum Card and the Green Dot primor® Visa® Gold Secured Credit Card.

While these cards don’t have any flashy features, they provide a solid way for anyone to build or rebuild his or her credit, reporting account activity to all three credit reporting bureaus.

We’ve received many complaints about customer service for these cards, which is one of the reasons we gave them low ratings.

The Rewards

These cards do not offer any points or cash back for purchases. They exist only to help you build up your credit.

The Benefits

Your card may include additional benefits provided directly by Visa. The specific benefits will be explained when you receive your card; to get an idea of the types of benefits that may be available, take a look at our listing of Visa benefits.

The Costs & Fees

Card Annual Fee Regular APR Cash Advance APR
primor® Secured Platinum $39 19.99% Fixed 19.99% Fixed
primor® Secured Gold $49 9.99% Fixed 18.99% Fixed
Card Cash Advance Fee Foreign Transaction Fee
primor® Secured Platinum 5%, $5 minimum 3%
primor® Secured Gold 5%, $5 minimum None
Card Penalty APR Late Fee Returned Payment Fee
primor® Secured Platinum None Up to $27 Up to $27
primor® Secured Gold None Up to $29 Up to $29

To apply for these cards you’ll need to provide a security deposit to Green Dot Bank. Your credit limit will be equal to the amount you deposit.

The primor Secured Platinum card allows a security deposit of $200 to $1,000.

The primor Secured Gold card allows a security deposit of $200 to $5,000.

The Bottom Line

These cards were designed with one purpose in mind: to help you build up your credit, even if yours is damaged or if you have none at all.

Secured credit cards are a great way to prove that you can manage your finances responsibly. When you’re trying to build credit it’s vital to always pay your bill on time, and to completely understand the terms of your card agreement.

Since these cards report to all three credit bureaus, your activity will be reported each month. Positive activity will build up your credit scores, while negative activity like late payments will bring them down.

Eventually, as you improve your credit, you’ll be able to qualify for more interesting credit cards that offer rewards for purchases and other benefits.

Want to learn more or apply for one of these cards? Just click the card’s name below.

Not the cards for you? Take a look at our picks for the Best Secured Credit Cards.

If you use either of these cards, let us know! Click here to leave your own review of the Green Dot primor® Secured Visa® Platinum, or click here to leave a review of the Green Dot primor® Secured Visa® Gold.

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