Secured Mastercard®

Our Secured Credit Card provides you the opportunity to help you build or rebuild your credit with no annual fee.

Find a Location

Features

Credit Card Rewards

Earn points for everyday purchases and redeem them for gift cards, air travel, vacations and more!

Financial Tools

Stay informed and learn about practical money skills, your credit score and more.

No Annual Fee

Enjoy the safety, security and convenience of Mastercard® with no annual fee.
Additional Features
  • Access your accounts Online and via our Mobile App
  • Mastercard ID Theft ProtectionTM
  • Emergency customer service anywhere, anytime, in any language
See Secured Mastercard® Details
Features and Benefits
  • No annual fee
  • Automatic Bill Pay
  • Online Budgeting Calculators
  • Enjoy a low Annual Percentage Rate on purchases and cash advances3
  • With our Rewards Program,2 for every dollar you spend, you'll earn a rewards point to redeem towards gift cards, air travel, car rentals and cruises
  • Optional Overdraft Protection for Cadence Bank checking accounts
  • Mobile Wallet –  easy and secure way to keep pace with your lifestyle4
  • 24-hour access to your credit card information through Online Banking and Mobile App
  • Secure ATM access with customer-selected PIN
  • Identity Theft Resolution Services
  • Mastercard Global Service™ provides emergency customer service anywhere, anytime, in any language
  • For complete benefit details, see the Mastercard® Cardholder Core Credit Benefits
Requirements and Fees

Requirements

  • Subject to credit approval1
  • Minimum credit limit: $500

Fees

  • Annual fee: none
  • Transaction fees:
    • Balance transfer: Either $10 or 3% of the amount of each balance transfer, whichever is greater (maximum fee: $60).
    • Cash advance: Either $10 or 3% of the amount of each cash advance, whichever is greater (maximum fee: $60).
    • Foreign transaction: 2% of the U.S. dollar amount of transactions converted from a foreign currency
  • Over-the-credit-limit fee: none
  • Late fees:
    • Up to $35
  • Returned payment fee:
    • Up to $35
  • Rates:
    • Prime + 6.65% APR on purchases3
    • Prime + 12.65% APR on cash advances3
  • For additional fees, please see our Cardholder Agreement.

To get started, stop by a Cadence Bank branch today

Additional products to help strengthen your financial foundation

hands with money

Budget Smart Checking

With simple banking solutions and overdraft avoidance, Budget Smart is an account that makes it easy to learn good money habits from the start.
key in house

Right@Home Loans

Our Right@Home fixed rate loan programs have flexible requirements to help you achieve and sustain affordable homeownership.
money bag

Credit Builder Loans

Let us help you build or rebuild your credit history. Plant the seed and start growing your financial future today.

Sign up for credit card rewards

More credit cards to consider

Gold Card

With our Gold Mastercard® Credit Card, you’ll receive the worldwide purchasing power, security and savings you expect from Mastercard®.

Standard Card

The Standard Mastercard® gives you the safety, security and benefits of Mastercard®, with options to fit any lifestyle.

Platinum Card

Our Platinum Mastercard® Credit Card gives you financial power, with low interest and perks that come in handy when the unexpected occurs.

Student Card

Our Mastercard® Student credit card helps you manage your account while giving you the spending power you need®.
1/1

1Approval subject to standard credit card lending policies. Certain conditions apply.

2To earn points towards purchases you must enroll in the Cadence Bank Rewards Program. Your enrollment of your account in the Cadence Bank Rewards program constitutes your acceptance of and agreement to the Terms & Conditions.

3Purchase rate will not exceed 21.00% APR.

4For online purchases the end user must register the card in their name to make online purchases. The contact information entered online at the time of purchase must match the information registered to the card.

dot image