Credit cards
Build credit with confidence
A secured card with a $200 refundable deposit and a clear path to upgrade.
A practical first step toward good credit
If you’re new to credit or rebuilding after a setback, the Meridien Secured Card helps you build a positive history. Your refundable security deposit – from $200 to $2,500 – becomes your credit limit, and we report your payments to all three major credit bureaus every month.
From month seven, we automatically review your account. Make your payments on time and you could graduate to an unsecured card and get your deposit back.
How it works
Make a deposit
Your deposit ($200–$2,500) sets your credit limit.
Use it responsibly
Pay on time – we report to all three bureaus.
Graduate
We review your account from month 7 to upgrade and return your deposit.
Tips for building credit
- Pay on time, every timeSet up autopay for at least the minimum.
- Keep your balance lowTry to use less than 30% of your limit.
- Check your score monthlyFree in the Meridien app.
- Be patientPositive history builds over months, not days.
Frequently asked questions
Yes – in full when you upgrade or close your account with no balance.
Important information
- All credit is subject to status, credit checks and approval. APRs are variable and based on the Prime Rate. Rates and offers shown are illustrative.
- Security deposit is held in a non-interest-bearing account and returned when the account is upgraded or closed with a zero balance.