- 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
3.4 / 5.0 (27 votes)
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Information - Rates - Fees

Intro APR:
Intro Period:
APR Type:
Annual Fee:
Card Network:
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:
Grace Period:
25 days*
Min Credit Line:
Max Credit Line:
Late Payment Fee:

Balance Transfers

Balance Transfer:

Cash Advances

APR on Cash Advances (%):

Other Fees

Opening Minimum:
Application Fee:
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

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


Most attractive:
- Helps build/ rebuild your credit
- Credit reporting
- Cash Advance fee waived the first year
- Int. Transaction fee waived the first year
Least attractive:
- Annual fee
- No bonus or Rewards
- Min $200 is required to open an account

Rewards & Benefits

This card has no rewards program
Other Benefits:
*See Terms and Conditions for other benefits
Online Access:
Credit Reporting:

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

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