
Academy Bank Credit Builder Secured Visa Credit Card
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Community Rating |
Rating not yet determined |
Purchase APR (Variable APR) |
23.24% (Verified 10/20/2022) |
Balance Transfer APR (Variable APR) |
23.24% (Verified 10/20/2022) |
Credit Score Range | 300 - 850 |
Annual Fee | $39 |
Academy Bank Credit Builder Secured Visa Credit Card Review
This is a secured credit card credit card issued by Academy Bank, N.A.. If you're wondering whether Academy Bank Credit Builder Secured Visa Credit Card is the right card for you, read on.
Key Takeaways
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 23.24%
- No foreign transaction fee. This card does not charge a fee when you make a purchase that passes through a foreign bank, or is in a currency other than the U.S. dollar (USD), which makes it a great credit card to carry when traveling abroad.
- Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
- Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have relatively good approval odds.
Pros & Cons of Academy Bank Credit Builder Secured Visa Credit Card
The Good | The Bad |
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Academy Bank Credit Builder Secured Visa Credit Card FAQ
Does Academy Bank Credit Builder Secured Visa Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
What are the Academy Bank Credit Builder Secured Visa Credit Card benefits?
It provides the following benefits:
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Academy Bank Credit Builder Secured Visa Credit Card?
According to the Federal Reserve Board, the average regular APR is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.Academy Bank Credit Builder Secured Visa Credit Card has a variable purchase APR of 23.24%. The card has a variable balance transfer APR of 23.24% . It also has a variable cash advance APR of 23.24% . Note that late payments are subject to an APR of 24.99% if you are late or miss your payments. Typically, the penalty APR applies for a minimum of six months but can go on indefinitely.
Does Academy Bank Credit Builder Secured Visa Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Academy Bank Credit Builder Secured Visa Credit Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Academy Bank Credit Builder Secured Visa Credit Card?
The following fees apply:
- There is no overlimit fee
Fees | Amount |
---|---|
Annual Fee | $39 |
Overlimit Fee | $0 |
Initial Program Fee | $0 |
Foreign Transaction Fee | 0% |
Returned Payment Fee | up to $25 |
Late Payment Fee | up to $15 |
Does Academy Bank Credit Builder Secured Visa Credit Card have a foreign transaction fee?
This card does not charge foreign transaction fees. If you are a frequent traveler, avoiding foreign transaction fees can save you hundreds of dollars in fees when you travel out of the country.What is the customer service phone number for Academy Bank Credit Builder Secured Visa Credit Card?
The Academy Bank Credit Builder Secured Visa Credit Card customer service number is (866) 868-9141.
What is the support contact email for Academy Bank Credit Builder Secured Visa Credit Card?
The support contact email for Academy Bank Credit Builder Secured Visa Credit Card is social@academybank.com.
What is the Academy Bank Credit Builder Secured Visa Credit Card login page?
You can access the Academy Bank Credit Builder Secured Visa Credit Card login page here.
How do people rate the customer service and user experience of Academy Bank Credit Builder Secured Visa Credit Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Academy Bank Credit Builder Secured Visa Credit Card report your account activity to credit bureaus?
Yes, Academy Bank Credit Builder Secured Visa Credit Card reports your account activity to the following credit reporting agencies:
- Equifax
- Experian
- Transunion
Making regular on-time payments to a creditor that reports to one or more credit bureaus will demonstrate your financial responsibility and may help improve your credit.
How to apply for Academy Bank Credit Builder Secured Visa Credit Card
- Visit the Academy Bank Credit Builder Secured Visa Credit Card website.
- Fill in the application form. You will typically need to provide general financial information, such as your Social Security Number, address, and annual income.
- Check the information is accurate and submit your application.
If your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.
Contact
- Headquarters
-
8551 N Boardwalk Avenue
Kansas City, MO 64154 USA - (866) 868-9141
- Visit Site
- Email Support
Other Services by Academy Bank, N.A.
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Cash Advance Fee (%) | Starting at 2% |
Minimum Cash Advance Fee ($) | Up to $100 |
Initial Program Fee | $0 |
Foreign Currency Transaction Fee | 0% |
No Foreign Transaction Fee | |
Annual Fee | $39 |
Over-Limit Fee | $0 |
No Interest Grace Period for Late Payment | 25 days |
Returned Payment Fee | Up to $25 |
Late Fee Amount | Up to $15 |
Academy Bank Credit Builder Secured Visa Credit Card Community Reviews
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