Green Dot primor Visa Gold Secured Credit Card review |

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Green Dot primor® Visa® Gold Secured Credit Card review

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A solid credit-building card with a low APR on purchases.

  • Get this card if you want to build your credit with a secured card.
  • Pick something else if you want an unsecured card or don’t want 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® Visa® Gold Secured Credit Card
Card typeVisa
Annual fee$49
Purchase APR9.99% 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® Visa® Gold Secured Credit Card can help improve your credit if you spend responsibly and make on-time payments. The card has a low APR, but comes with many fees.

To get this card, you must maintain at least $200 in an interest-bearing savings account, which also acts as a security deposit and a credit limit.

The perks

  • Build your credit.
    The card reports to all three major credit bureaus — TransUnion, Experian and Equifax. This makes it easier to build your credit with responsible use and on-time payments.
  • Easy application.
    There’s no application fee and it takes minutes to complete. It also doesn’t require a credit check.

    You can apply with a poor credit score or without any credit history.

You’ll also like …

  • Fixed APR.
    The card comes with a fixed APR of 9.99%. This is on the lower end, considering other cards can have an APR as high as 26%.
  • Credit limit.
    You can deposit from $200 up to $5,000 in a savings account at Green Dot Bank. You can’t use this amount to make payments since it acts as your credit line. You can increase your credit limit by depositing more funds into your savings account in $50 increments, but you’ll be charged a credit limit increase fee of up to $49.
  • FDIC insured.
    Get peace of mind knowing your deposit at Green Dot Bank is FDIC-insured.

What to watch out for

  • Annual fee.
    The card comes with an annual fee of $49. Every additional card will cost you $29. Your annual fee and any additional card costs will immediately be applied to your balance once your card is approved.
  • Foreign transaction fee.
    Each purchase made abroad will cost an additional 3% of the transaction.
  • Cash advance limit.
    The amount of any cash advance you make will be limited to half of your credit line. For example, if your credit line is $200, you can take cash advances of up to $100.
Apply now

Compare secured cards

Name Product Filter values Purchase APR Annual fee Recommended minimum credit score
26.99% variable
Get access to a higher credit line after making your first 5 monthly payments on time.
19.64% variable
A secured Visa® credit card that helps you build your credit quickly.
9.99% fixed
This secured card can help you rebuild your credit with an initial deposit of $200 to $1,000.
20.74% variable
Build your credit with all three major credit bureaus.
13.99% fixed
Open a personal savings deposit account to secure a credit line from $200 to $5,000.

Compare up to 4 providers

Compare other Green Dot Bank secured credit cards

What should I know before I apply?

You have to be at least 18 years old — 19 in Alabama and Nebraska, 21 in Mississippi — and have no more than one open credit card with Green Dot Bank. Also, you must have a credit, debit or prepaid card.

Apply with the following information on-hand:

  • Full name and contact details.
  • Social Security number and date of birth.
  • Monthly income and expenses.
  • The amount you intend to deposit.
By clicking Next step during your application process, you accept to receive emails and digital newsletters from Green Dot’s marketing partners.

What do customers say about the Green Dot primor® Visa® Gold Secured Credit Card?

Most complaints relate to poor customer service and slow payment processing, sometimes taking up to 10 days. However, some customers claim they managed to get faster payment processing of up to 2 days by using the Green Dot Credit website.

Those who were satisfied with the card claim they managed to increase their credit score in just a few months by responsibly using the card.

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

  1. Click apply now.
  2. Fill out the application form with all required details.
  3. Review your application and submit it.

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

It usually takes a few minutes to get a decision from Green Dot. If more information is needed, however, it could take up to a few business days.

You should get your card in 7 to 10 days once you’ve been approved.

I got the card. Now what?

  • Download the Green Dot app on your mobile device. Use it to make payments, send money, set up alerts and more.
  • Pay on time. Your due date is 25 days after the close of each billing cycle. If you pay by then, you’ll avoid paying up to a $29 fee. Also, with timely payments, you can build your credit score.
  • Customer support. Call Green Dot’s customer support at 866-795-7597 if you have questions.

What is Green Dot?

Green Dot is the largest prepaid debit card company in the world. Apple Pay Cash, Uber and Intuit all use Green Dot’s technology.

Bottom line

The Green Dot primor® Visa® Gold Secured Credit Card could be a good choice if you’re looking to build your credit. Make timely payments and spend responsibly to help boost your credit score.

The card comes with a number of fees, however. Be sure to read the fine print.

If you want to get an unsecured card for bad credit, check out our guide. You can also consider other secured credit cards to find a card that fits your needs.

Frequently asked questions

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  1. Default Gravatar
    February 11, 2019

    Are these credit cards or debit cards? I’m specifically referring to the Green Dot Primor Visa Classic Secured Credit Card and the Gold Credit Card. The title says credit card but I want to be certain that these are NOT debit cards because some of the languages say debit and that is NOT what I want. Thank you.

    • AvatarStaff
      February 12, 2019

      Hello Sharonda,

      Thank you for your comment.

      Green Dot primor® Visa® Gold Secured Credit Card is a secured credit card which is specifically offered to those people who want to increase their credit score in just a few months of responsibly using the card. It’s not a debit card.


  2. Default Gravatar
    January 24, 2018

    Do I have to pay any fee if I cancel my card early? Or if I pay my balance off early? If yes, what are they?
    Thank you.

    • AvatarStaff
      January 25, 2018


      Thanks for your inquiry.

      For primor® Secured Visa Gold Card, there’s no cancellation fee or a fee for paying your balance early. You may click on ‘Fees & Repayments’ tab on the page to view more info.

      You may click on the ‘Go to site’ button to know more info from primor official site and you can submit an online application from there.

      Hope this helps.

      Best regards,

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