- Get Pre-Qualified in Less Than a Minute
- A $300 Unsecured Credit Line which can be used at Grocery Stores, Gas Stations, Discount Stores, ATM's and Online!
- A REAL Visa® Credit Card with Automatic Reporting to all Three National 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
3.5 / 5.0 (33 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
APR Type:
Annual Fee:
See Terms*
Card Network:
Card Category:
Consumer (Regular)
Card Type:
Building Credit
Card for Bad Credit
Damaged Credit
EMV Chip
Instant Decision
Credit Needed:
Grace Period:
Min Finance Charge:
Min Credit Line:
Late Payment Fee:
Up to $38*

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):
Cash Advance Fee (%):
Minimum Fee:

Other Fees

Additional Fees
- Processing Fee: $89 (One-time Fee paid prior to account opening)
- Annual Fee: $75 (1st yr); after that, $45 annually
- Additional Card Fee: $30
- Replacement Card Fee: $30
- Copying Charges: $10 per copy
- Stop Payment Fee: $30
- Reinstatement Fee: $50
- International Transaction Fee: 3%

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

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.


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:
Credit Reporting:

*The information provided for Applied Bank® Unsecured Classic Visa® Card is believed to be accurate at the time of evaluation (Sep 19, 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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