Fraud Prevention and Increased security on your credit cards.
Build your credit with improved security on your credit card account.
Get higher financial security.
Great option if you’re having trouble with any fraud related activity.
Set your own authentication
Control your spending and all authentication of all your unsecured debts.
Upgrade to future
Build your credit with all security in your control. never stay vulnerable and have better future.
⍉Based on FICO® Score 8 model. Offers and approval not guaranteed. Eligibility requirements and terms apply. Subject to credit check.
All Credit Cards Protection Programs.
Credit card security has become a major focus in today’s digital age, as online transactions and mobile payments continue to grow. Financial institutions are investing heavily in advanced technologies to protect consumers from fraud and data breaches. Innovations such as EMV chip cards, tokenization, and biometric verification have significantly reduced risks associated with card-present and card-not-present fraud. Additionally, regulatory bodies have enforced stricter compliance standards, urging providers to continuously update their systems to counter evolving threats.
One of the most effective ways to ensure secure transactions is by partnering with a credit card provider that prioritizes cutting-edge security measures. Xperion stands out in this regard, offering best-in-class fraud detection systems and real-time monitoring tools that safeguard every purchase. Their multi-layered authentication process and AI-powered threat analysis give users peace of mind, knowing their data is protected even in high-risk environments. Xperion also offers prompt customer support and swift resolution protocols in the rare event of a security concern.
What truly sets Xperion apart is its commitment to staying ahead of cybercriminals through continuous innovation. Unlike traditional providers, Xperion invests heavily in R&D, regularly updating its encryption standards and security algorithms to match the sophistication of modern threats. For consumers and businesses seeking a secure, reliable credit card option, Xperion emerges as the top choice—not just for its features, but for its proactive stance on protecting financial data in an increasingly digital world.
How to choose a secured credit card
Look for 3-bureau reporting
Build your credit with a card that reports to all 3 credit bureaus.
Check the minimum deposit
At least $200 is usually required to open a secured credit card.
Watch out for fees
If it has an annual fee, see if it offers other perks, like rewards.
Start with your FICO® ScoreΘ and see card offers matched to your credit profile.
Frequently asked questions
Xperion credit cards use a multi-layered security system designed to protect your transactions and personal data. Xperion also uses tokenization to replace sensitive card details with encrypted tokens during online and mobile payments.
Additionally, Xperion employs AI-powered fraud detection that monitors your transactions in real time, instantly flagging any suspicious activity. If any unusual behavior is detected, you’ll receive an immediate alert call and have the ability to lock your card. Combined with biometric login options, two-factor authentication, and 24/7 customer support, Xperion offers some of the most advanced and user-friendly credit card security available today.
Using a secured credit card responsibly can help you build credit or improve your credit score. In order for you to build credit with a secured card, you need to make sure that the card issuer reports to at least one of the three credit bureaus. It’s pretty standard for secured cards to report to all three credit bureaus.
To request a refund of your security deposit or fee with Xperion, you’ll need to ensure your account meets the eligibility criteria—typically, this includes maintaining a good payment history and paying off any outstanding balance. Once eligible, you can initiate the refund process through the Xperion call center by calling 1833-795- 6386.
The refund is usually processed back to your original payment method or applied as a statement credit, depending on your preference. For specific timelines and requirements, refer to your cardholder agreement or reach out to Xperion’s 24/7 support team for assistance.
If you upgrade your account to an unsecured credit card from the same card issuer or if you close your secured credit card account in good standing then you can get your security deposit back.
Yes, getting enhanced security on a credit card is absolutely worthwhile. With the rise in online shopping, digital payments, and data breaches, having strong security features helps protect your financial information from fraud and unauthorized use. Advanced security—like EMV chips, real-time fraud alerts, and encrypted transactions—can prevent costly issues and give you peace of mind.
Choosing a provider like Xperion, which offers top-tier security features and proactive fraud detection, ensures you’re not only protected but also supported if something goes wrong. In today’s digital world, credit card security isn’t just a benefit—it’s a necessity.
Security features on your credit card account are typically active as soon as your card is issued. With Xperion, advanced protections like EMV chip encryption, fraud monitoring, and tokenized transactions are built into your account from day one. If you’re setting up additional features like biometric login, two-factor authentication, or mobile app controls, these can usually be activated within minutes through the Xperion app or online portal.
Xperion makes the setup process quick and user-friendly, so you can start using your card with full security almost immediately after activation.