
Academy Bank Credit Builder Secured Visa Credit Card
in Personal Credit Cards from Academy Bank, N.A.
UnaffiliatedAcademy Bank Credit Builder Secured Visa Credit Card
in Personal Credit Cards from Academy Bank, N.A.
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Purchase APR (Variable APR) | 22.49% |
Balance Transfer APR (Variable APR) | 22.49% |
Credit Score Range | 300 - 850 |
Annual Fee | $35 |
Academy Bank Credit Builder Secured Visa Credit Card Review
Academy Bank Credit Builder Secured Visa Credit Card 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. This is everything you need to know to make a good choice.
- High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 22.49%
- 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 qualify.
The Good | The Bad |
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Is there a Academy Bank Credit Builder Secured Visa Credit Card cash back or rewards program?
No, Academy Bank Credit Builder Secured Visa Credit Card does not offer a rewards program.
What are the Academy Bank Credit Builder Secured Visa Credit Card benefits?
Academy Bank Credit Builder Secured Visa Credit Card provides the following benefits:
- ID Theft Protection
- 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 interest rate is 15% for all credit cards and 17% for accounts that carry a balance. Academy Bank Credit Builder Secured Visa Credit Card has higher than average purchase APRs.Academy Bank Credit Builder Secured Visa Credit Card has a variable purchase APR of 22.49%. The card has a variable balance transfer APR of 22.49% . It also has a variable cash advance APR of 22.49% . 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 introductory APR offer on balance transfers?
No, Academy Bank Credit Builder Secured Visa Credit Card does not come with an introductory APR offer for balance transfers.Does Academy Bank Credit Builder Secured Visa Credit Card have an introductory APR offer on new purchases?
Academy Bank Credit Builder Secured Visa Credit Card does not offer an introductory rate on new purchases.Description | |
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Introductory Rate | N/A |
Purchase Intro APR Period (months) | N/A |
What are the fees for Academy Bank Credit Builder Secured Visa Credit Card?
The following fees apply to Academy Bank Credit Builder Secured Visa Credit Card:
Fees | Amount |
---|---|
Annual Fee | $35 |
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?
Academy Bank Credit Builder Secured Visa Credit Card does not charge foreign transaction fees. If you are a frequent traveler, this can save you hundreds of dollars in credit card fees when you travel out of the country.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 - (866) 868-9141
- Visit Site
Other Services by Academy Bank, N.A.

Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Washington, DC
- 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
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Foreign Currency Transaction Fee | 0% |
No Foreign Transaction Fee | |
No Interest Grace Period for Late Payment | 25 days |
Cash Advance Fee (%) | Starting at 2% |
Minimum Cash Advance Fee ($) | Up to $100 |
Annual Fee | $35 |
Returned Payment Fee | Up to $25 |
Late Fee Amount | Up to $15 |
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