- Quick & Easy Approval in Less Than 60 Seconds!
- Reports to All Three Major Credit Bureaus
- No Penalty Rate. Your Rate Won't Go Up Even If You are Late
- Access Additional Credit With On-Time Payments and Responsible usage
- A True Unsecured EMV enabled (chip) Visa Credit card
- Does not require perfect credit for approval
- Fixed APR and Manageable Monthly Payments
- 24/7 Online Account Access and Payment Options
- E-mail Payment reminders help you keep your account in good standing
3.5 / 5.0 (32 votes)
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Information - Rates - Fees

Intro APR:
N/A*
Intro Period:
N/A*
APR:
29.99%*
APR Type:
fixed
Annual Fee:
See Terms*
Issuer:
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Building Credit
Card for Bad Credit
Damaged Credit
Instant Decision
Unsecured Card
Credit Needed:
Poor*
Grace Period:
None*
Min Finance Charge:
$0.50
Min Credit Line:
$300
Late Payment Fee:
Up to $38*

Balance Transfers

Balance Transfer:
No

Cash Advances

APR on Cash Advances (%):
29.99%
Cash Advance Fee (%):
5.00%
Minimum Fee:
$10.00

Other Fees

Additional Fees
- Processing Fee: $89 (One-time Fee paid prior to account opening)
- Annual Fee $75 the first year; after that, $45 annually
- Monthly Maintenance Fee None for the first year; after that, $6.25 per month ($75 annually).
- Additional Card Fee: $30
- Replacement Card Fee: $30
- Copying Charges: $10 per copy
- Fees for Optional Payments: $12.95 for each payment
- Stop Payment Fee: $30
- Automated Account Information Fee: $0.50 for each separate Account inquiry made through our automated account information system
- Credit Limit Increase Fee: $100 (unless you and we otherwise agree)
- Reinstatement Fee: $50
- Foreign Currency Transaction Fee: 3% of each transaction in U.S. dollars.

Review by

Applied Bank's Unsecured Classic Visa card is a great solution for those with poor or no credit. The initial credit starts at $300. All spendings are reported to main credit bureaus, so credit scores are impacted immediately. Since it's a Visa card, cardholders can use it virtually anywhere, regardless of whether it's an actual storefront or at an online store. There's no application fee, but the card has an annual fee which is deducted from the initial credit amount and the processing fee. Rates are fixed and will never go up, even if you're late. It's a card for a beginner or someone who's had financial struggles, though no matter the reason, it's a way to get on the right track financially and build your credit fast.

Features

Most attractive:
- Credit Reporting
- Unsecured EMV enabled card
- Designed to Build Credit
Least attractive:
- Processing fee
- Annual fee
- Maintenance fee
- High APR

Rewards & Benefits

Other Benefits:
*See Terms and Conditions of the card
Online Access:
Yes!
Credit Reporting:
Yes

*The information provided for Applied Bank® Unsecured Classic Visa® Card is believed to be accurate at the time of evaluation (Nov 23, 2020). 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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