Our Secured Credit Card provides you the opportunity to help you build or rebuild your credit with no annual fee.Find a Location
Credit Card Rewards
Earn points for everyday purchases and redeem them for gift cards, air travel, vacations and more!
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.
- 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
- Subject to credit approval1
- Minimum credit limit: $500
- 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
- Prime + 6.65% APR on purchases3
- Prime + 12.65% APR on cash advances3
- For additional fees, please see our Cardholder Agreement.
Apply for a Cadence Bank credit card
Complete our online application today. It only takes about 10 minutes.
Sign up for credit card rewards
More credit cards to consider
Gold CardWith our Gold Mastercard® Credit Card, you’ll receive the worldwide purchasing power, security and savings you expect from Mastercard®.
Standard CardThe Standard Mastercard® gives you the safety, security and benefits of Mastercard®, with options to fit any lifestyle.
Platinum CardOur Platinum Mastercard® Credit Card gives you financial power, with low interest and perks that come in handy when the unexpected occurs.
Student CardOur Mastercard® Student credit card helps you manage your account while giving you the spending power you need®.
Find answers, watch videos and plan ahead with online tools.
Stop by your nearest Cadence branch to open an account and more.
Connect with one of our teammates for one-on-one assistance.
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.