Last Updated: 07/28/2025
Applied Bank® Unsecured Classic Visa® Credit Card
Claimed
in Credit Cards from Applied Bank
Last Updated: 07/28/2025
SuperMoney User Recommendation Score -50
Mostly not recommended8 total votes
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Highlights
Community Rating
Mostly not recommended
Purchase APR (Fixed APR)
29.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
N/A
Credit Score Range
600 - 800
Annual Fee
$45 - $75
Number of Reviews
Applied Bank® Unsecured Classic Visa® Credit Card Review
This is a card issued by Applied Bank. If you're wondering whether Applied Bank® Unsecured Classic 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 fixed purchase APR of 29.99%
- Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Applied Bank® Unsecured Classic Visa® Credit Card
| The Good | The Bad |
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Applied Bank® Unsecured Classic Visa® Credit Card FAQ
Does Applied Bank® Unsecured Classic 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 Applied Bank® Unsecured Classic 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.Applied Bank® Unsecured Classic Visa® Credit Card has a fixed purchase APR of 29.99%. Applied Bank® Unsecured Classic Visa® Credit Card does not offer balance transfers. It also has a fixed cash advance APR of 29.99% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Applied Bank® Unsecured Classic Visa® Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Applied Bank® Unsecured Classic Visa® Credit Card does not offer balance transfers.Does Applied Bank® Unsecured Classic 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 Applied Bank® Unsecured Classic Visa® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $45 - $75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | $89 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee ranging from $45 up to $75.
Does Applied Bank® Unsecured Classic Visa® Credit Card have a foreign transaction fee?
Applied Bank® Unsecured Classic Visa® Credit Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the support contact email for Applied Bank® Unsecured Classic Visa® Credit Card?
The support contact email for Applied Bank® Unsecured Classic Visa® Credit Card is info@appliedbank.com.
How do people rate the customer service and user experience of Applied Bank® Unsecured Classic Visa® Credit Card?
Overall, Applied Bank® Unsecured Classic Visa® Credit Card is mostly not recommended based on community reviews that rate customer service and user experience.
Does Applied Bank® Unsecured Classic Visa® Credit Card report your account activity to credit bureaus?
Yes, Applied Bank® Unsecured Classic 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 Applied Bank perform a hard credit pull?
Yes, Applied Bank® Unsecured Classic 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 Applied Bank® Unsecured Classic Visa® Credit Card
- Visit the website of Applied Bank® Unsecured Classic 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.
SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...
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
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
Other Services by Applied Bank
Other Credit Cards from Applied Bank
Purchase APR
9.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
300 - 640
300
850
Annual Fee
$48
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users mostly don't recommend this product, giving it a user recommendation score of -50, or 2 on a 5-point rating scale.
-50
-1000+100
No one recommends
Everyone recommends
Applied Bank® Unsecured Classic Visa® Credit Card Community Reviews
Would you recommend Applied Bank® Unsecured Classic Visa® Credit Card to your friends?
Latachia _.
Aug 14, 2023
May or may not recommend
I had this card a long time ago, The interest was really high & it had way too many fees!
BY
Bettie Y.
Apr 27, 2022
May or may not recommend
The range of credit scores as well as the annual fee is ridiculous since this should be a card that helps others get on their feet.
Natasha N.
Mar 4, 2022
May or may not recommend
I looked into getting this card when I was trying to grow my wallet options to improve my overall credit score.
There are many other card options out there that are cheaper than Applied Bank. The annual fees and monthly fees alone are higher than most. If you don't have good or excellent credit you are looking at a 29.99% interest rate it does report to credit agencies but I can't ...Show More
IG
Ian G.
Feb 22, 2022
May or may not recommend
I have had a negative experience with this card. There was a fraudulent charge that I did not recognize on the card. I called to have it removed. They representative was not very friendly or efficient, they seemed to be reluctant to help me. I finally got the charge removed after a long and difficult fight with the agent.
SS
Shelly S.
Jan 14, 2022
May or may not recommend
This is highly recommended for building your good credit .not for those who keep the balance.
APR is good too.
Muhammad A.
Jan 4, 2022
May or may not recommend
The overall experience was unfavorable as a result of their inadequate level of customer service and support. One of the worst credit card companies I've ever dealt with, if not the worst, is American Express. There is no mobile application, utilizing the internet is a headache, and customer service is basically non-existent.
LB
Leonard B.
Nov 10, 2021
May or may not recommend
High APR, small credit window, & ridiculous annual fees are definitely not worth even considering the card. It's unfair.
Zavion H.
Oct 1, 2021
May or may not recommend
The Applied Bank Unsecured Classic Visa Credit Card is a simple, flexible credit card that helps you build or rebuild credit without the hassle of a traditional secured credit card. If you have poor or fair credit, the low-APR, 0% intro APR* is an easy way to establish your credit history.
Showing 8 of 8 reviews
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