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Green Dot primor® Mastercard® Classic Secured Credit Card review

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A low-annual-fee card that can help you build your credit score.

  • Get this card if you have no credit history or if you’ve had credit difficulties in the past.
  • Pick something else if you want an unsecured card or you don’t want to pay an annual fee.
  • Apply with no credit history or with poor credit score.


Annual fee


Purchase APR (fixed)


Recommended credit score


Product NameGreen Dot primor® Mastercard® Classic Secured Credit Card
Card typeMastercard
Annual fee$39
Purchase APR13.99% fixed
Balance transfer APRN/A
Cash advance rate18.99% fixed
Cash advance fee$5 or 5% of the cash advance amount, whichever is greater
Foreign transaction fee3% of the transaction value
Interest free periodUp to 25 days
Late payment feeUp to $29
Returned payment feeUp to $29
Additional cardholder fee$29
Apply now

The basics

The Green Dot primor® Mastercard® Classic Secured Credit Card has easy-to-meet eligibility criteria, and there’s no credit check required. This means you can apply with no credit history, or with a poor credit score, and you can start building your credit with responsible use of your card.

After you’re approved, all you have to do is to open an FDIC–insured savings account with Green Dot Bank. The amount you deposit in the savings account will become your credit line.

The perks

  • Build your credit.

    Green Dot reports your card activity to all three major credit bureaus — TransUnion, Experian and Equifax. You can potentially build your credit and work towards qualifying for an unsecured card by making timely payments and using the card responsibly.

  • No minimum credit score.

    You can apply with no credit history or with a poor credit score and you may still get the card.

You’ll also like …

  • Credit limit.

    Your credit limit is determined by the amount you deposit into your Green Dot Bank savings account, and can range from $200 to $5,000.

  • Fixed APR.

    Your APR on purchases is fixed at 13.99%, which is relatively low when compared to the average of 16% or 26% that other cards offer.

  • FDIC insured.

    Your deposit is FDIC insured.

What to watch out for

  • Annual fee.

    The card comes with an annual fee of $39 that’s deducted from your credit line as soon as you get your card.

  • Foreign transaction fee.

    If you’re traveling abroad you’ll pay a 3% fee of the amount of each transaction.

  • Cash advance limit.

    If you’re using cash advances, you’re limited to taking out half of your credit line. For example, if your credit line is $300, you can get up to $150 in cash advances.

Apply now

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What should I know before I apply?

To apply for the card, you need to be at least 18 years old, 19 in Alabama and Nebraska and 21 in Mississippi. You must also have a credit, debit or a prepaid card.

You’ll need the following information to apply:

  • Your full name and contact information.
  • Your birthdate and Social Security number.
  • Your financial information.
  • A deposit that will become your credit limit and act as a security deposit.
By applying for the card, you agree to receive daily emails and digital newsletters from the card’s marketing partners.

What credit score do I need?

You can apply with no credit history or with a poor credit score. However, approval isn’t guaranteed.

What do customers say about the Green Dot primor® Mastercard® Classic Secured Credit Card?

You’ll find a fairly even mix of 1– and 5-star reviews online. Many customers complain of poor customer service and high fees. Others say that if you use the card responsibly and keep your utilization rate below 30% you’ll see a significant jump in your credit score over time.

How to apply for the Green Dot primor® Mastercard® Classic Secured Credit Card

  1. Click apply now.
  2. Enter your Social Security number, income and personal information.
  3. Review and submit your application.

How long will it take to get my Green Dot primor® Mastercard® Classic Secured Credit Card?

Usually you’ll get a decision on your application within a minute. In some cases, it could take up to five business days.

Your card should arrive in the mail within seven to 10 business days following your application’s approval.

I got the card. Now what?

  • Download the Green Dot app on your mobile device. You can use it to pay your bills or send money. You can also set up alerts and more.
  • Pay on time. Late payment fees can cost you up to $29.
  • Graduating to an unsecured card. You won’t get a direct path to an unsecured card with Green Dot. However, once you use this card to raise your credit score, you can then go on to apply for an unsecured card with another bank.
  • Customer support. For any card-related questions, call Green Dot customer support at 866-795-7597.

What is Green Dot?

Green Dot is the world’s largest prepaid debit card company. Also, their technology is used by Apple Pay Cash, Uber and Intuit.

Bottom line

If you’re looking to build your credit, the Green Dot primor® Mastercard® Classic Secured Credit Card could be a good solution. The card reports to all three major credit bureaus, which makes it easy to build your credit if you use your card responsibly.

Make sure you read the card’s terms to avoid surprises, as it comes with several fees.

You can also check out other secured credit cards to compare your options and find the right card for you.

Frequently asked questions

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  1. Default Gravatar
    August 27, 2018

    You got my deposit now when do I get my card?

    • AvatarStaff
      August 28, 2018

      Thanks for your inquiry.

      Usually, you will receive your credit card within 1-2 weeks.

      I hope this information helped.

      Kind regards,

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