Secured Credit Card

All the perks of a Platinum Card, but the Share Secured Platinum Card is backed up by your Savings balance and helps to build credit.


It pays to find a credit card with a competitive rates. You'll cut down on interest charges, giving you more to spend on the better things in life.


  • No annual fees*
  • No annual or balance transfer fee*

  • Easier approval process

  • Requires a minimum deposit

  • Helps build credit

  • Can re-establish shaky credit

  • Backed by a major credit card brand

  • Accepted everywhere MasterCard is accepted

  • Easily manage your account online and through our mobile app
  • Track your spending, set a budget, pay your bill and more
  • Mastercard ID Theft Protection and Resolution Services**

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Questions? We can help.

Monday - Friday 9AM - 6PM
and Saturday 10AM - 2PM CST



Talk to an Account Specialist
(214) 818-3231




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Get a Secured Credit Card Consultation



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Secured Credit Card Benefits Include

Global Services*

No matter where you are in the world, Mastercard offers 24-hour assistance if you lose your card, need a quick replacement or want an emergency cash advance.

Airport Concierge*

Enjoy a 15% savings on Airport Meet and Greet services. An agent will escort you through the airport on departure, arrival or for connecting flights at over 700 locations worldwide.

Lost Wallet Assistance*

Mastercard will help you notify authorities to cancel and replace stolen or missing items, such as debit and credit cards, driver’s licenses, Social Security cards and passports.




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Secured Credit Cards FAQs

You have a couple of options. Either apply online here or stop by one of our branches.

To electronically pay your CUTX credit card from your external account:

  1. Log in to CUTX online banking at cutx.org or our mobile app.
  2. Select your CUTX credit card from Accounts and then select Card Details.
  3. Add your pay from routing instructions (routing and full account number) to ensure you are ready to schedule payments. After you add your account, you can schedule your first payment after 5 calendar days.
  4. Schedule your payment.

To electronically pay your CUTX credit card from your CUTX account:

  1. Log in to CUTX Online Banking at www.cutx.org or the mobile app.
  2. Select the Transfers option to make a transfer.
  3. Select the “From” account and “To” account (CUTX credit card). After you schedule your payment, it can take 1 to 2 calendar days for the payment to process.

To pay your CUTX credit card by mail (check payment only):

Mail your check payment to:

P.O. Box 660493, Dallas, TX 75266-0493

Please note that when you mail your payment via check (either by check or by a bill pay service issuing a check), mail delivery times can cause delays if you are approaching your payment due date. If any questions on other payment options available, please contact us at (972) 263-9497.

Have questions on how to make your payment?

Please contact us at (214) 818-3231 or (800) 627-0006 should you have any questions about how to make your CUTX credit card payment. Our team is here to assist.

Payment Protection is a great way to protect you and your family when the unexpected happens. This voluntary protection program is designed to help you get relief from payments when you need it most after you're laid off, you become disabled, or worse. It's easy to enroll. Just call us at 972-705-4804.

Your purchase of Payment Protection is optional and will not affect your application for credit or the terms of any credit agreement required to obtain a credit card. Certain eligibility requirements, conditions, and exclusions may apply. Please contact your loan representative, or refer to the Member Agreement for a full explanation of the terms of Payment (Debt) Protection. You may cancel the protection at any time. If you cancel protection within 30 days you will receive a full refund of any fee paid.

Act quickly by calling 1-866-604-8156 anytime to report your card lost or stolen. We'll freeze your card and help you get a new one to protect your account. A new PIN will be assigned to your debit card, which you can change after you receive our PIN mailer.













Why CUTX?

The stuff, loan team and customer service were very helpful throughout my car loan process. Credit Union of Texas was able to offer me the best rate available for my vehicle. I would highly recommended CUTX to all of my friends and family.
Abebe A.
Never a issue always friendly and as you walk in the gentleman at the door greets you with awesome customer service. Always on point.
Mr. C.
I always feel like I’ve been given the best advice for me and my family. They really do put their members first.
Sonya M.

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We're Here To Help

Visit your local branch

We have several locations in DFW and East Texas. Come see us!

Talk to a team member

Need to speak with someone directly? We have options for that.

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(214) 818-3231

Ready to apply?

Apply online now or get started if you need assistance with your application.



 
*Registration/activation required. Membership required.
 
Mastercard Rates and Terms
Annual Percentage Rate (APR) for Purchases
13.15% to 17.90%
based on your creditworthiness.
This APR will vary with the market based on the prime rate.
APR For Balance Transfers 15.15% to 17.90%
based on your creditworthiness.
This APR will vary with the market based on the prime rate.
APR For Cash Advances
15.15% to 17.90%
based on your creditworthiness.
This APR will vary with the market based on the prime rate.
How to Avoid Paying Interest on Purchases Your due date is at least 25 days after the close of each business cycle. We will not charge you interest on purchases if you pay your entire balance by the due date each month. We charge interest on cash advances and balance transfers from the transaction date.
Minimum Interest Charge None
For Credit Card Tips from the Consumer Financial Protection Bureau To learn more about factors to consider when applying for or using a credit card, visit the Consumer Financial Protection Bureau's Website
Fees
Transaction features
  • *Balance Transfers
  • *Cash Advance
  • *Foreign Transactions
  • None
  • $10 or 2.00% of the amount of each cash advance, whichever is greater
  • 2% of each transaction U.S. dollar amount.
Penalty Fees
  • *Late Payment
  • *Return Payment
  • Up to $25
  • Up to $25
How We Will Calculate Your Balance. We use a method called "average daily balance" (including new purchases)".

**Benefits are available to personal checking accounts and their primary account owner, and their joint account owner(s), subject to the terms and conditions for the applicable benefits. Benefits are not available to a “signer” on the account who is not an account owner or to clubs, organizations and/or churches and their members, schools and their employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (fiduciary is not covered).

Are you eligible for membership? See our Membership Eligibility