Maybe you’ve hit a few roadblocks, made choices you’d do differently today, or maybe you’ve just never had the chance to build credit before. Whatever your story is, one thing’s for sure—you’re not alone. And more importantly, your past doesn’t have to define your future. That’s where the Assent Platinum Mastercard® Secured Credit Card comes in.
This card was made for real life. It doesn’t expect perfection or demand a spotless credit history. Instead, it offers a safe and practical way to take control—on your terms. With a refundable deposit, you can create your own credit limit and start moving forward, one on-time payment at a time. There’s no pressure, no judgment—just a clear path to help you grow your financial confidence, step by step.
In the guide below, we’ll walk you through everything you need to know. From the key benefits that make this card stand out, to the fees, eligibility, and how to apply—everything is here to help you make the best decision for your future. You’ve got this. And we’re here to make sure you’re supported at every turn.
Assent Platinum Mastercard® Secured
No Credit Check Required Refundable Security DepositKey Benefits of the Assent Platinum Mastercard® Secured
1. No Credit Score Needed to Apply
You don’t need a good—or even existing—credit score to qualify. The application process doesn’t involve a credit check, so your approval is based on your ability to fund the security deposit, not your past mistakes.
2. Builds Credit with Every On-Time Payment
Your payment activity is reported monthly to all three major credit bureaus. This means consistent, responsible use helps you build or repair your credit over time, creating a stronger financial foundation.
3. Refundable Deposit Becomes Your Credit Limit
The amount you deposit sets your spending limit. This gives you control from the start and teaches healthy credit habits. And when your account is in good standing and closed, your deposit is returned.
4. Accepted Anywhere Mastercard Is
Whether you’re shopping online, buying groceries, or paying bills, you can use your card anywhere Mastercard is accepted—across the country and around the world.
5. No Penalty APR
Even if you miss a payment, your interest rate won’t spike. While it’s still important to pay on time, this feature provides peace of mind as you learn to manage credit responsibly.
6. Simple, Secure Online Access
Manage your account with ease—check your balance, track payments, and stay on top of due dates through a secure online dashboard, available anytime.
Fees and Costs
This card comes with a few standard fees, which are clearly disclosed during the application:
- An annual fee to keep your account active
- A variable interest rate that applies to purchases
- Possible foreign transaction and late payment fees
- A refundable security deposit, which also sets your credit limit
These costs are competitive for secured cards and are designed to support those building credit—not to overwhelm them.
Who Can Apply?
One of the standout features of this card is its accessibility. To apply, you simply need to:
- Be at least 18 years old
- Have a valid Social Security Number or Taxpayer Identification Number
- Provide a U.S. mailing address
- Be able to fund your security deposit
- Show basic ability to repay (income may be reviewed)
There’s no requirement for a minimum credit score or credit history, making this card available to a wide range of applicants.
How to Apply for the Assent Card Secured Mastercard®
Applying is quick, secure, and fully online. Here’s how to get started:
- Visit the official site: https://apply.assentcard.com/status
- Select your desired deposit amount
- Complete the short application with your personal and financial details
- Submit and wait for a decision—usually within minutes
- Fund your deposit and receive your card by mail
Once approved, your card can be used anywhere Mastercard is accepted, helping you begin your credit journey with purpose and control.
Final Thoughts
The Assent Card Secured Mastercard® is more than just a financial product—it’s a way forward. It offers the tools and flexibility to build credit at your own pace, with no judgment and no unnecessary barriers. Whether you’re starting over or starting fresh, this card can help you take that first step with confidence.
