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  Applied Bank® Unsecured Classic Visa® Card

Applied Bank® Unsecured Classic Visa® Card

in Personal Credit Cards from Applied Bank

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Applied Bank® Unsecured Classic Visa® Card

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in Personal Credit Cards from Applied Bank

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Highlights
Highlights
Purchase APR  (Fixed APR) 29.99%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 300 - 640
Annual Fee $45 - $75

Applied Bank® Unsecured Classic Visa® Card Review

Applied Bank® Unsecured Classic Visa® Card is a credit card issued by Applied Bank. If you're wondering whether Applied Bank® Unsecured Classic Visa® Card is the right card for you, read on. This is everything you need to know 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.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
Applied Bank® Unsecured Classic Visa® Card Pros & Cons
The Good The Bad
  • Considers applicants with fair or poor credit.
  • Higher than average purchase APRs.
  • Charges an annual fee of up to $45.
  • 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 report to credit bureaus.
  • Does not include many credit card rewards.
Applied Bank® Unsecured Classic Visa® Card FAQ

Is there a Applied Bank® Unsecured Classic Visa® Card cash back or rewards program?

No, Applied Bank® Unsecured Classic Visa® Card does not offer a rewards program.

What are the relevant APRs for Applied Bank® Unsecured Classic Visa® 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. Applied Bank® Unsecured Classic Visa® Card has higher than average purchase APRs.

Applied Bank® Unsecured Classic Visa® Card has a fixed purchase APR of 29.99%. It also has a fixed cash advance APR of 29.99% .

Does Applied Bank® Unsecured Classic Visa® Card have an introductory APR offer on balance transfers?

No, Applied Bank® Unsecured Classic Visa® Card does not come with an introductory APR offer for balance transfers.

Does Applied Bank® Unsecured Classic Visa® Card have an introductory APR offer on new purchases?

Applied Bank® Unsecured Classic Visa® Card does not offer an introductory rate on new purchases.
Applied Bank® Unsecured Classic Visa® Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Applied Bank® Unsecured Classic Visa® Card?

The following fees apply to Applied Bank® Unsecured Classic Visa® Card:

Applied Bank® Unsecured Classic Visa® 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® Card have a foreign transaction fee?

Applied Bank® Unsecured Classic Visa® 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 a foreign transaction fee.

How to apply for Applied Bank® Unsecured Classic Visa® Card

  • Visit the Applied Bank® Unsecured Classic Visa® 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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

  • Headquarters
  •   2200 Concord Pike
    Suite 102
    Wilmington, DE 19803
  •   Visit Site

About Applied Bank® Unsecured Classic Visa® Card

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Availability

  Available in 50 states and Washington, D.C.
  • 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

Initial Program Fee $89
Paper Statement Fee $0
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) 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
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 640
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 29.99%
Balance Computation average daily balance (including new purchases).
Credit Limit Up to $300
Purchase APR (Fixed APR) 29.99%

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