Card Review & Application


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- Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
- A minimum collateral deposit of $200 is required to open this account.
- After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
- This card is perfect for people new to credit as well as people looking to rebuild their credit.
- Reports monthly to all three major credit bureaus.
- Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
- 24/7 online account center.
- This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.
- *See Rates, Fees, Costs and Limitations for additional details

Introductory APR: N/A*
Introductory Period: N/A
APR on Purchases: 18.90% (fixed)*
Annual Fee: $39*
Card Issuer: Plains Commerce Bank
Card Network: VISA®
Card Category: Consumer (Secured)
Card Type: - Building Credit
- Card for Bad Credit
- Damaged Credit
- No Credit / New to Credit
- No Credit Check
- No Foreign Transaction Fee
Credit Needed: Good*

Check PCB Secured Visa credit card application page for other benefits and fees.

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

Rewards: This card has no rewards program
Other Benefits: *See Terms and Conditions for other benefits
Credit Reporting: Yes
Online Account Access: Yes
Introductory APR: N/A*
Introductory Period: N/A*
APR on Purchases: 18.90% (fixed)*
Annual Fee: $39*
Grace Period: 25 days*
Min Credit Line: $200
Max Credit Line: $5,000
Late Payment Fee: N/A*
Balance Transfer: No
APR Cash Advances: 20.90%
Opening Minimum: $200.00
Application Fee: $0.00
ATM Fee: See Terms
Additional Fees Late Payment Fee: Up to $40.00
Returned Payment Fee: Up to $40.00
Cash Advance Fee: $0 during the first year; after the first year either $5.00 or 5.00% of the amount of each transaction, whichever is greater.
International Transaction Fee: Up to 1.00% of the transaction amount in U.S. dollars. Waived the first year
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* The information provided for PCB Secured Visa® Credit Card is believed to be accurate at the time of evaluation (Sep 22, 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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