Applied Bank® Unsecured Classic Visa® Credit Card
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| 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.
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 |
|---|---|
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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.
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:
| 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 customer service phone number for Applied Bank® Unsecured Classic Visa® Credit Card?
The Applied Bank® Unsecured Classic Visa® Credit Card customer service number is .
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.
What is the Applied Bank® Unsecured Classic Visa® Credit Card login page?
You can access the Applied Bank® Unsecured Classic Visa® Credit Card login page here.
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.
Contact
- Headquarters
-
2200 Concord Pike
Suite 102
Wilmington, DE 19803 USA - Visit Site
- Email Support
About Applied Bank® Unsecured Classic Visa® Credit Card
Availability
- 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
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | Starting at 5% |
| Minimum Cash Advance Fee ($) | Starting at $10 |
| Initial Program Fee | $89 |
| 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 |
Applied Bank® Unsecured Classic Visa® Credit Card Community Reviews
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