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Mastercard Secured Credit Card

Secured Mastercard


If you have had trouble getting approved for a credit card, this type of card may be right for you. It works like a regular credit card, except it requires a deposit account to be held as security.


*See Cardholder Agreement for program details

Credit card accounts are available for RBT clients that have an existing deposit account (checking or savings) with Republic Bank. The account must not be overdrawn, must not be dormant, and the account must be held directly in the name of the credit card applicant. Memory Bank account holders are not eligible.

What is a secured credit card?

A secured credit card works like any other credit card, except that it requires a security deposit. Once received, your deposit is placed in an interest-bearing account and held as collateral. If you have had trouble getting approved for an unsecured card, this type of card may be right for you.

A secured credit card gives you the flexibility to make purchases just like any other credit card as well as giving you the option to pay off your balance in full each month or over time. In addition, as a secured cardholder, your account activity will be reported to the three major credit bureaus. By making your payments on time, you will be well on your way to building or re-establishing your credit!*


* Results not guaranteed. Improvements in credit score dependent on your specific situation and financial behavior.

Apply Today!

To apply, visit your local Republic Bank banking center. If you have any questions, please call us at 866-292-0856.

Online Card Management

Log in to Personal Internet Banking to check your balance, view statement history, make a payment, check your rewards balance and more. If you are not already enrolled in Internet Banking, click the register now button.

Internet Banking Login      Register Now

Lost or Stolen Card?

To report a lost or stolen Republic Bank Mastercard® Credit Card, please call 1-866-292-0856.
Interest Rate and Interest Charges
Annual Percentage Rate
(APR) for Purchases
This APR can vary monthly with the market based on the Prime Rate published in the Wall Street Journal.
APR for Balance Transfers 18.45% 
This APR can vary monthly with the market based on the Prime Rate published in the Wall Street Journal.
APR for Cash Advances 18.45% 
This APR can vary monthly with the market based on the Prime Rate published in the Wall Street Journal.
Paying Interest Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month. We will begin charging interest on cash advances on the transaction date.
Minimum Interest Charge If you are charged interest, the charge will be no less than $0.50 on purchases and $3.00 on cash advances, Balance Transfers, or Checks.
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 website of the Consumer Financial Protection Bureau at
Annual Fee $50

Transaction Fees
• Cash Advance Fee

• International Transaction Fee

• Balance Transfer Fee

Either $3 or 3% of the amount of each cash
advance, whichever is greater.

3% of each transaction in U.S. dollars

Either $5 or 3% of the amount of each transfer,
whichever is greater.
Penalty Fees
• Late Payment Fee
• Over the Limit Fee
• Returned Payment Fee

Up to $27
Up to $27

Other Fees
• Expedited Phone Payment
• Rush Card Fee
• Reissue Fee

$25 Domestic/$100 International



How we will calculate your balance: We use a method called "average daily balance (including new purchases)”.

Billing Rights: Information on your rights to dispute transactions and how to exercise those rights is provided in your Cardholder Account Agreement.

The Annual Percentage Rate (“APR”) is a variable rate. The APR shall be based on the highest Prime Rate listed in the Monthly Rate section of the Wall Street Journal on the 1st day of each month (or if the 1st is a Saturday, Sunday, or holiday, the next business day) and adding 13.2% to that rate based on your credit worthiness at time of application, not to exceed 21%. Any change in the APR will go into effect on the first day of your new billing cycle that follows the effective date, as herein defined, of the Wall Street Journal published Prime Rate change and may result in an increase or decrease in the INTEREST CHARGE imposed on your account.

Ohio Residents Only: The Ohio laws against discrimination require that all creditors make credit equally available to all credit-worthy customers and that credit-reporting agencies maintain separate credit histories on each individual upon request. The Ohio Civil Rights Commission administers compliance with this law. Information 1-888-782-3333
Taxpayer Assistance 1-866-581-1040
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