What is the Secured Credit Card?
The Kikoff Secured Credit Card is specifically designed to help you build credit with everyday purchases. It works like a debit card, but builds credit when you make purchases.
The Secured Credit Card is only available to Kikoff Premium and Ultimate users.
Important: Your Credit Account and Secured Credit card can both help you build credit - but they work in very different ways. The funds in your Secured Credit Card account are entirely separate from your Kikoff Credit Account.
Apply
To apply, go to your user dashboard and select the Secured Card tab. You can also apply directly through the Secured Credit Card application portal.
There's no credit check, no annual fees, and zero interest.
Add Funds
Next, add funds to your Secured Credit Card via direct deposit or bank transfer before making a purchase.
When you put at least $50 onto your Secured Credit Card via bank transfer or direct deposit, you'll get a physical card in the mail and start building credit with all three bureaus whenever you make a purchase.
Make Purchases
Once you've added $50 to your Secured Credit Card, you can immediately use your virtual card. Go to the Secured Card tab, then select on the gear icon to check your card's information and add it to your mobile wallet.
Within ten business days, your physical card will arrive in the mail. When it arrives, you can activate it in the Kikoff app and set up your 4-digit PIN number.
The Secured Credit Card can be used anywhere Mastercard is accepted.