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Green Dot primor® Visa® Classic Secured Credit Card review

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A decent secured card that reports to all three major credit bureaus.

  • Get this card if you want a secured card to help you build your credit.
  • Pick something else if you don’t want to pay an annual fee or you want an unsecured card.
  • Apply with no credit history or with a poor credit score.


Annual fee


Purchase APR (fixed)


Recommended credit score


Product NameGreen Dot primor® Visa® Classic Secured Credit Card
Card typeVisa
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

Expert review

Kliment Dukovski

Review by

Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

Expert review

The Green Dot primor® Visa® Classic Secured Credit Card has a $39 annual fee but a relatively low purchase APR of 13.99% fixed. Like many other secured cards, it doesn’t offer rewards.

This product may be a serviceable — though not the best — option if you’ve had trouble getting approved for a credit card. With a monthly income of at least $100 higher than your monthly expenses, you have a good chance of being approved — even with poor or no credit. Furthermore, your card activity will be reported to all three major credit bureaus. With responsible use and on-time payments, you can build a positive credit history.

Take care to read the card’s fine print before you apply. You’ll find a number of fees, including a credit limit increase fee, an automated account information fee and a card replacement fee. With so many fees, you may want to consider other credit-building card options instead.

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

  1. Go to the provider's site and click Apply now.
  2. Enter your personal information.
  3. Review and submit the application.

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

It usually takes less than a minute to get a decision, but it may take longer in some cases.

Once approved, you’ll have your card within 7 to 10 business days.

Card benefits

  • Build your credit.

    The card reports to all three major credit bureaus — TransUnion, Experian and Equifax. Responsible use and on-time payments can help you build your credit, and eventually get a better card.

  • Easy application.

    Your application only takes minutes to fill out, and won’t come with any application fees or a credit check.

  • No minimum credit score.

    You can apply with no credit history or a poor credit score.

  • Fixed APR.

    You get a fixed APR of 13.99%. This is relatively low considering the average APR for most cards is 16%. Some cards even have APRs of up to 26% variable.

  • Credit limit.

    Your deposit in a Green Dot savings account will determine your credit line. You can deposit from $200 up to $5,000, but you can’t use this sum to pay your balance.

  • FDIC insured.

    The money you deposit at Green Dot is FDIC-insured.

What to watch out for

  • Annual fee.

    The card comes with an annual fee of $39. If you want to get an additional card, you’ll have to pay another $29.

  • Foreign transaction fee.

    Each purchase made outside of the US will cost you 3% of the transaction. This means, if you spend $1,000 when traveling abroad, you’ll pay $30, which is almost equal to your annual fee.

  • Cash advance limit.

    If you’re making cash advances, you can only use half of your credit line. For example, for a $400 credit line you can only use $200 for cash advances.

What should I know before I apply?

To apply, you need to be at least 18 years old, 19 in Alabama and Nebraska and 21 in Mississippi. You must also have no more than one open credit card with Green Dot Bank.

You’ll also need to provide information, such as:

  • Your name and contact information.
  • Your Social Security number and date of birth.
  • Your monthly income and expenses.
  • The amount you want to deposit.
When you apply, you give your consent to receive emails and digital newsletters from Green Dot’s marketing partners.

Green Dot primor® Visa® Classic Secured Credit Card reviews and complaints

Some customers claim that it takes up to 10 days for their payments to process, which hurts their credit-building efforts. Others claim that by using the Green Dot Credit website, their payments were processed way faster — in two days or less. Customers also complain about Green Dot’s customer support.

I got the card. Now what?

  • Download the Green Dot app on your mobile device. With the app, you can pay your bills, send money, set up alerts and more.
  • Pay on time. Late payments come with a fee of up to $29. You’ll also find it hard to build your credit.
  • Customer support. Call Green Dot customer support at 1-866-795-7597 for any issues or questions you may have.

Compare secured cards

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
OpenSky® Secured Visa® Credit Card
Starting at $200
17.39% variable
Apply for this card with no credit check if you're new to credit or have bad credit.
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Starting at $200
9.99% fixed
No credit check is required for this secured card. Make a deposit of at least $200 to open this card and get a low 9.99% fixed APR on purchases.
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Starting at $200
0% intro for the first 6 months (then 12.99% variable)
A rare secured card with a 0% intro APR on purchases for 6 months, followed by 12.99% variable.
Self Visa® Credit Card
Starting at $100
21.74% variable
Build your credit with a low minimum security deposit of $100 and no credit score required.
First Progress Platinum Select MasterCard® Secured Credit Card
Starting at $200
13.99% variable
No minimum credit score and no credit history required.

Compare up to 4 providers

Bottom line

The Green Dot primor® Visa® Classic Secured Credit Card could be a decent choice for those looking to build their credit. With its additional fees and so many other stronger secured card options available, however, the Green Dot primor® Visa® Classic Secured Credit Card doesn’t quite offer enough to make it a must pick.

Frequently asked questions

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  1. Default Gravatar
    April 4, 2019

    How does this work of I deposit 200 wat can I spend n pay on?

    • Avatarfinder Customer Care
      April 5, 2019

      Hi Ashley,

      Thanks for your inquiry.

      The $200 is your security deposit. Which means that your credit limit is equaled your deposit.

      I hope this helps.

      Kind regards,

  2. Default Gravatar
    December 19, 2018

    I applied and paid a $250 deposit for the Green Dot Primor card; the money was taken out of my account but I haven’t had any correspondence, email or phone call. Can someone explain what’s going on and where is my money????

    • Avatarfinder Customer Care
      December 20, 2018

      Hi Al,

      Thanks for getting in touch! It usually takes less than a minute to get a decision, but it may take longer in some cases. Once approved, you’ll have your card within 7 to 10 business days. It would be best to reach out to Green Dot to follow up on your account. Hope this helps!


  3. Default Gravatar
    October 24, 2018

    I paid the 200 deposit for a classic secured card on September 25, 2018 It’s October 24,2018 but no card has been delivered

    • Avatarfinder Customer Care
      October 24, 2018

      Hi Tyrone,

      Thank you for leaving a question.

      You usually receive a new card about ten days after you apply for it. The fastest credit card providers can get a new card to you within seven days. Since your card has not been delivered longer than the expected time frame, it is advisable that you contact Green Dot Secured Cards at (866)291-0818. Hope this helps!


  4. Default Gravatar
    March 6, 2018

    How do you recover your secure deposit for the secured credit card?

    • Avatarfinder Customer Care
      March 7, 2018

      Hi Louis,

      Thanks for your question.

      When you apply for a secured credit card, the bank will require you to apply and connect a savings account with them. If and when you decide to discontinue using a secured credit card, all funds can be withdrawn by you or you may opt the funds to be transferred to the savings account.

      Hope this information helped you.

      Thanks and best regards,


  5. Default Gravatar
    October 9, 2017

    This doesn’t run a credit check, correct? I don’t want my credit to take another loss by having a hard inquiry on it

    • Default Gravatar
      October 11, 2017

      Hi Hcp,

      Thanks for your question. Yes, applying for this card does not require a credit check. However, you have to meet the approval requirements and provide the documents mentioned above.

      Kind regards,

  6. Default Gravatar
    October 9, 2017

    I got approved so how do I get the card

    • Default Gravatar
      October 11, 2017

      Hi Kristina,

      Thanks for your question. Once you are approved, the card should take between 7 to 10 business days to be delivered to your home. In case of delay, you may call Green Dot directly to follow-up.

      Kind regards,

  7. Default Gravatar
    August 9, 2017

    I have a new LLC and looking to establish credit for my business . Currently looking for a credit card for my new business with avg income of 2k a month?

    • Avatarfinder Customer Care
      August 9, 2017

      Hi MPM,

      Thank you for your inquiry.

      Should you need credit cards for your business you may consider this options.

      I hope this information has helped.


  8. Default Gravatar
    April 3, 2017

    I deposited the 200$ today, how long before I get my card in the mail?

    • Avatarfinder Customer Care
      April 3, 2017

      Hi Jay,

      Almost all credit card companies quote a 7-10 business day time-frame for receiving a new card in the mail. You should receive your Primor Secured Visa Classic Card in 2 weeks.

      Let us know if you have anymore questions.

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