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  Applied Bank® Unsecured Classic Visa® Credit Card
Applied Bank® Unsecured Classic Visa® Credit Card
in Personal Credit Cards from Applied Bank
Claimed

Applied Bank® Unsecured Classic Visa® Credit Card

Claimed
in Personal Credit Cards from Applied Bank
SuperMoney Net Recommendation Score -43  

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -43, equating to 2.1 on a 5 point rating scale.

-43

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Mostly not recommended

2 users recommend
0 users are unsure
5 users don't recommend
Browse Reviews: 2 Recommendations | 5 Complaints
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Highlights
Community Rating Mostly not recommended
Purchase APR  (Fixed APR) 29.99%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 600 - 800
Annual Fee $45 - $75
Number of Reviews 7

Applied Bank® Unsecured Classic Visa® Credit Card Review

This is a credit 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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • High APRs. 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 3% every time you make a transaction outside the U.S.
  • Fair or better credit required. You will have good approval odds if your credit score is above 600.
Pros & Cons of Applied Bank® Unsecured Classic Visa® Credit Card
The Good The Bad
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Applied Bank® Unsecured Classic Visa® Credit Card reports to multiple credit bureaus.
  • Higher than average purchase APRs.
  • Charges an annual fee of up to $75.
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
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.

What are the Applied Bank® Unsecured Classic Visa® Credit Card benefits?

It provides the following benefits:

  • 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 is 15% for all credit cards and 17% for accounts that carry a balance. This card has higher than average regular APRs.

Applied Bank® Unsecured Classic Visa® Credit Card has a fixed purchase APR of 29.99%. 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.

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?

The following fees apply:

Applied Bank® Unsecured Classic Visa® Credit Card Fees
Fees Amount
Annual Fee Starting at $45 up to $75
Initial Program Fee $89
Foreign Transaction Fee 3%
Returned Payment Fee up to $38
Late Payment Fee up to $38

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 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 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 Applied Bank® Unsecured Classic Visa® Credit Card

  • Visit the Applied Bank® Unsecured Classic 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.

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.

Contact

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

About Applied Bank® Unsecured Classic Visa® Credit Card

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View all personal credit cards offered by Applied Bank
View Applied Bank Profile

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

Initial Program Fee $89
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Annual Fee $45 - $75
Minimum Interest Charge $0.50
No Interest Grace Period for Late Payment 0 days
Returned Payment Fee Up to $38
Additional Card Fee Amount $30
Late Fee Amount Up to $38
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 600 - 800
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 29.99%
Balance Computation Average daily balance (including new purchases).
Credit Limit Starting at $300
Penalty APR (Fixed APR) 0%
Purchase APR (Fixed APR) 29.99%
Card Type
  • Bad Credit
Card Network Visa

Applied Bank® Unsecured Classic Visa® Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -43, equating to 2.1 on a 5 point rating scale.

-43

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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† To check the rates and terms you qualify for, one or more soft credit pulls will be done by SuperMoney, and/or SuperMoney's lending partners, that will not affect your credit score. However, if you choose a product and continue your application at a lending partners' website, they will request your full credit report from one or more consumer reporting agencies, which is considered a hard credit pull and may affect your credit.