A credit card for a fresh start

Credit Building* Done Right

The First Harvest Groundwork Secured credit card can help (re)establish credit history. How? We report your payment behavior to all major credit bureaus, a factor in helping you improve your credit score.*

Benefits

Cards Built With The Features You Expect

Credit Bureau Reporting

First Harvest Groundwork credit cards report your on-time payment behavior to all major credit bureaus, a factor in helping you improve your credit score.

Autopay

Like all modern credit cards, you can set up ongoing payments for your utility, cellphone, streaming service and more using your First Harvest Groundwork credit card.

Tap To Pay

It’s like credit card magic. Tap to pay, or contactless payment, allows you to make purchases quickly, conveniently and (maybe?) with fewer germs.

Customer Service

Our US-based customer service team is friendly, helpful and accessible.

Budgeting and Alerts

First Harvest Groundwork provides you tools to notify you when you’ve utilized configurable spend levels on your card. Use it to keep your spending in line with your budget.

Card Details

First Harvest Groundwork Visa® Secured

  • Credit limit
    Equal to deposit. Min $300; Max $3,000.
  • Annual Fee †
    $39
  • Merchandise APR †
    18%
  • Card Replacement
    Yes
  • 24-Hour Member Service §
    Yes
  • Travel & Accident Insurance  §
    $100,000
  • Credit Bureau Reporting
    Yes

†See Pricing and Terms for fees and additional details.

§See Member Benefits for additional details.

**The image on your First Harvest Groundwork Card may vary.