Last Updated: 07/28/2025
Academy Bank Credit Builder Secured Visa Credit Card
Unaffiliated
in Credit Cards from Academy Bank, N.A.
Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
23.24%(Verified 06/21/2024)
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Balance Transfer APR (Variable APR)
23.24%(Verified 06/21/2024)
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Credit Score Range
300 - 850
Annual Fee
$39
Academy Bank Credit Builder Secured Visa Credit Card Review
This is a secured 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
- APR: This is not a great card for people who carry a balance. It has a variable regular 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 can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Academy Bank Credit Builder Secured Visa Credit Card
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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.
| Description |
- 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 for accounts that carry a balance (as of November 2024) is 22.80%. 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?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $39 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Foreign Transaction Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Up to $100 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 2% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $39.
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 customer service number for Academy Bank Credit Builder Secured Visa Credit Card 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 login page for Academy Bank Credit Builder Secured Visa Credit Card?
You can access the login page of Academy Bank Credit Builder Secured Visa Credit Card 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 to the following credit bureaus:
- 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 build your credit.
Does Academy Bank, N.A. perform a hard credit pull?
Yes, Academy Bank Credit Builder Secured Visa Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.
Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.
How to apply for Academy Bank Credit Builder Secured Visa Credit Card
- Visit the website of Academy Bank Credit Builder Secured Visa Credit Card.
- 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.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author's alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.
Hours of Operation
Sunday
Closed
Monday
8:00AM - 7:00PM
Tuesday
8:00AM - 7:00PM
Wednesday
8:00AM - 7:00PM
Thursday
8:00AM - 7:00PM
Friday
8:00AM - 7:00PM
Saturday
9:00AM - 5:00PM