Applied Bank Secured Visa Gold Preferred Card
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- 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
4.5 / 5.0 (34 votes)
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Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
9.99%*
APR Type:
fixed
Annual Fee:
$48*
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*
Grace Period:
None*
Min Finance Charge:
$0.50
Min Credit Line:
$200
Max Credit Line:
$5,000
Late Payment Fee:
See Terms*

Balance Transfers

Balance Transfer:
No

Cash Advances

APR on Cash Advances (%):
9.99%

Other Fees

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.

CreditCardsLab is compensated by featured partners, but editorial opinions are our own.

Review by

There is a Visa card that works great as an introductory to credit cards. It's the Applied Bank Secured Visa Gold Preferred Credit Card. This card requires deposit and it starts off with a small credit limit. The low limit ensures that you don't overspend, causing financial burden and the inability to pay the bill.

The application process is extremely simple, done online with a few basic questions regarding your personal information. There's no application fee or processing fee, so there's no money out of pocket to qualify. Best of all, the card can be used across the globe – anywhere a Visa is accepted, so the possibilities are almost limitless. Use it in stores, online, or even at an ATM. Where you choose to use is up to you.

Features

Most attractive:
- Gold Card Benefits
- Report to Credit Bureaus
- Low fixed APR
- No Employment required
Least attractive:
- Maintenance fee after 1 year
- Annual fee

Benefits

Other Benefits:
* See terms and Conditions
Online Access:
Yes!
100% Guarantee Approval:
Yes!
Credit Reporting:
Yes

*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 fees, terms and conditions to verify accuracy of the information posted prior to applying for the product.

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