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Apply now for a Secured Card from Refresh to build your credit score faster

The card has been designed with building a positive payment history and credit history in mind. It comes with no credit check and a low interest rate.

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Refresh Secured Card

Unlike a credit card, no credit is provided up-front with a Secured Card. You set your credit limit with a required deposit, then it functions like a regular credit card. Now all your everyday purchases report to the credit bureau, which may help improve your credit score.

  • Build credit while spending money

  • Guaranteed approval with deposit

  • Trusted by 100,000+ Canadians

How it works with Refresh?

  1. Simple digital application

    Tell us a little bit about yourself and we’ll find the best way to build your credit score – FAST – with our solutions that fit your budget and no credit check is required!

  2. Build your credit score

    We report directly to the credit bureaus helping you build your credit score – FAST – and we simplify the process with automated payments and payment reminders.

  3. Reach your financial goal

    Nobody builds credit for fun. We’re here to help you achieve your financial goals, whatever they might be: a mortgage, personal or car loan, or a non-secured credit card.

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  • Credit limit

    $200 - $10,000

  • Annual fee


  • Interest rate


  • Maintenance fee


Disclaimer: This card is owned and issued by Digital Commerce 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. Digital Commerce Bank provides no credit or loans. All funding and lending for this program is provided by Refresh Card Solutions Inc.