Credit Card | Refresh Financial

The Refresh Secured Visa

The easiest way to get a credit card.

See how we stack up

Refresh Financial The Other Guys
Annual fee $12.95/year $59/year
Interest rate 17.99% 19.80%
Free financial education
Approval without credit check?

and benefits


Easiest approvals

As a secured credit card, there's no credit checks, just a deposit and you're approved.


Lowest fees

Credit building shouldn't cost an arm and a leg, so we've kept our fees low.


Low interest rates

Our competitive rates will help ensure you can keep payments manageable.


Lowest security

Start where you're comfortable and scale up when you're ready - no huge upfront costs.


Free financial education

With Refresh f.i.t, you get access to online courses that teach you about money management.


Boost your credit

Using your VISA will help build your credit history and put your financial goals within reach.

4 simple steps

Step 1

Tell us about yourself


1 min

Step 2

Finalize documents


10 min

Step 3

Deposit your security


5 min

Step 4

Wait for your card!


2-3 weeks

† Artist Rendering. Actual cards may vary, in design, materials and/or function from that shown in the image above and may be modified from time to time by Refresh Card Solutions Inc. without notice.

This card is owned and issued by DirectCash Bank pursuant to license by Visa International. Use of the card is governed by the agreement under which it is issued. The Visa Brand is a registered trademark of Visa International. All credit and approvals are provided by Refresh Card Solutions Inc. DirectCash Bank provides no credit or loans. All funding and lending for this program is provided by Refresh Card Solutions Inc.

I’ve done pay day loans in the past but didn’t know a whole lot about credit until recently. So I checked into my credit score. I was very disappointed to find that I had a 0 credit score as I have never had or needed any credit cards or lines of credit. I knew I wanted to buy the house I live in so I knew work was needed, but I never thought it would be as easy as purchasing REFRESH!!! I bought it in June of this year, waited or 2 months and was approved for my first credit card. I was so excited. It gets better!!! Then I waited 5 months, and would you believe it. Only 5 months after purchasing refresh my credit score was strong enough to finally get approved for my first brand new car with no down payment, low biweekly payments, no cosigner, and no car trade in. My bank also tells me if everything stays good I will own my home within a year. After years of thinking there was no hope I am only months away from owning my home. THANKS REFRESH!!!! Please share this story with everyone you can! ”

Emily, Truro, NS