Card Review & Application


out of 5

- Better than Prepaid... Go with a Secured Card! Load One Time -Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR -Your Rate Won't Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit -Maximum $1,000.
- Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 9.99% (fixed)*
Annual Fee: $48*
Card Issuer: Applied Bank®
Card Network: VISA®
Card Category: Consumer (Secured)
Card Type: - Building Credit
- Card for Bad Credit
- EMV Chip
- Guaranteed Approval
- Instant Decision
- Low Interest Rate
Credit Needed: Poor*

The Applied Bank Secured Visa Gold Preferred Credit Card is a great card for people with poor credit rating. The account limit is determined by your deposit (between $200 and $1,000).

The small limit helps to train a person to budget, without overspending that leads to missing payments. It also helps to avoid large purchases that will bring the available credit to zero quickly. This card can be used as either an emergency card or a starter card.

Applied Bank does report to the credit bureaus, so it's an excellent start to being able to make a positive impact on your credit score.

The card does require a deposit. Your deposit determines your credit limit, which can be as low as $200 or as high as $5,000.

It's reported to the credit bureau, so what you do and don't pay will help (or hurt) your credit score. For people who have had financial problems in the past or for college students trying to establish a positive credit, this card will help get you there.

Applying for the card is easy. It requires zero money to apply – there's no application or processing fees, and no down payment or deposit. It's simply a matter of filling out basic information and with a click of a button; you've made the application completely online. The entire process is on a secure site, so there's no worry about the wrong people getting your personal information. The results of your application are virtually instant.

The card is a Visa, so it works wherever Visa is accepted – at millions of locations worldwide. With being able to make purchases virtually anywhere – online or in person, you've got the flexibility that cash doesn't always grant you. Plus, when you need cash, it works at ATMs as well.

The card is a simple solution for needing a credit card without a large spending limit and without having to put a deposit down. It's a quick and easy application process with fast results.

The review prepared by . Opinions expressed therein are solely those of the reviewer.

Other Benefits: * See terms and Conditions
Credit Reporting: Yes
Online Account Access: Yes
100% Guarantee Approval: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 9.99% (fixed)*
Annual Fee: $48*
Grace Period: None*
Min Finance Charge: $0.50
Min Credit Line: $200
Max Credit Line: $5,000
Late Payment Fee: See Terms*
Balance Transfer: No
APR Cash Advances: 9.99%
Additional Fees - Account Set-up Fee: None
- Additional Card Fee: $30.00
- Returned Payment: Up to $38.00
- Dishonored Check Fee: Up to $38.00
- International Transaction Fee: 3% of each transaction in U.S. dollars.
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* The information provided for Applied Bank® Secured Visa® Gold Preferred® Card is believed to be accurate at the time of evaluation (Dec 14, 2022). We strongly advise visitors to review the terms and conditions to verify accuracy of the information and fees posted prior to applying for the product.

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