If you’re looking for a reliable and accessible way to build or rebuild your credit, the Assent Platinum Mastercard® Secured could be just what you need. Unlike many traditional credit cards, it doesn’t require a credit check, making it an excellent choice for those starting from scratch or recovering from past financial challenges.
With a refundable security deposit that sets your credit limit, you stay in full control of your spending while actively working to improve your credit score. The card is accepted nationwide and backed by the trusted Mastercard network, giving you confidence and flexibility. More than just a payment tool, it’s a real opportunity to take charge of your financial future with stability and purpose.
Assent Platinum Mastercard® Secured
No Credit Check Required Refundable Security DepositKey Benefits You’ll Enjoy
1. No Credit Check Required
Unlike many other credit cards, your approval for the Assent Platinum Mastercard does not depend on your credit score. There’s no hard inquiry, making it ideal for individuals with limited or damaged credit histories.
2. Reports to All Three Major Bureaus
Your payment activity is reported monthly to Equifax, Experian, and TransUnion. This regular reporting helps build or rebuild your credit profile—one on-time payment at a time.
3. Choose Your Credit Limit
Your credit line is based on the deposit you provide, allowing you to set a limit that fits your financial comfort zone. This flexibility is perfect for those who want control over their spending while building credit.
4. Fully Refundable Security Deposit
The deposit you provide is held as collateral and will be returned to you if you close your account in good standing or upgrade to an unsecured card, when available.
5. Nationwide Acceptance with Mastercard
Use your card anywhere Mastercard is accepted—in stores, online, and even for recurring monthly bills. It provides the convenience of a major credit network with the added benefits of a secured product.
6. Manage Everything Online
From checking your balance to reviewing transactions, your account can be fully managed online. You also get access to fraud protection and security alerts to keep your finances safe.
7. No Penalty APR
Missing a payment won’t trigger a higher interest rate. This offers a layer of protection for those still learning to manage credit responsibly.
Fees and Charges to Expect
While the card offers great features, there are a few costs to keep in mind:
- An annual fee is charged to maintain your account.
- A variable APR applies to purchases.
- Foreign transaction fees may apply when you use the card abroad.
- Additional fees may include late payment and returned payment charges.
All costs are disclosed clearly during the application process and are competitive with other secured cards on the market.
Eligibility Requirements
The Assent Platinum Mastercard® Secured is meant to be accessible, even to those with no credit history. To qualify, you must meet the following criteria:
- 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 the required security deposit
- Demonstrate the ability to repay (income verification may be required)
There is no requirement for a prior credit score or credit history, making this card suitable for a wide range of applicants, including students, newcomers to the U.S., and those recovering from past financial difficulties.
How to Apply
Applying for the Assent Platinum Mastercard is fast, secure, and done entirely online. Just follow these simple steps:
- Visit the official site
- Select your desired deposit amount based on the credit limit you want
- Fill out the application form with your personal and financial information
- Submit your application—no credit check required
- Once approved, fund your deposit and wait for your card to arrive by mail
Most applicants receive a response within minutes, and once the deposit is confirmed, the card is processed and shipped quickly.
Final Thoughts
The Assent Platinum Mastercard® Secured Credit Card is a powerful stepping stone for anyone ready to rebuild or establish credit with confidence. With no credit check, flexible deposit options, and full credit bureau reporting, it’s a tool that supports long-term financial improvement. If you’re ready to take control of your credit and open the door to better opportunities, this card could be the start of something great.Discover All the Benefits of the Assent Platinum Mastercard® Secured Credit Card.
