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  Century Bank of Massachusetts Visa Secured Credit Card

Century Bank of Massachusetts Visa Secured Credit Card

in Personal Credit Cards from Century Bank of Massachusetts

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Century Bank of Massachusetts Visa Secured Credit Card

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in Personal Credit Cards from Century Bank of Massachusetts

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Highlights
Purchase APR  (Variable APR) 25.99%
Balance Transfer APR  (Variable APR) 25.99%
Credit Score Range 300 - 550
Annual Fee $0

Century Bank of Massachusetts Visa Secured Credit Card Review

Century Bank of Massachusetts Visa Secured Credit Card is a secured credit card credit card issued by Century Bank of Massachusetts. If you're wondering whether Century Bank of Massachusetts Visa Secured Credit 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 variable purchase APR of 25.99%
  • No annual fee*. This is a great option for people looking for a low-maintenance card. It gives you the benefits of a credit card, but you don't have to pay an annual fee for the privilege.
  • 3% Balance transfer fee. Century Bank of Massachusetts Visa Secured Credit Card charges a fee of up to 3% on balance transfers. For example, a balance of $1,000 could cost up to $30 in transfer fees. The minimum fee is $5.
  • 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.
  • Secured card. This card requires a refundable deposit before you qualify for a line of credit. These cards are often used to improve the credit of people with poor credit or little credit history.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still qualify.
Century Bank of Massachusetts Visa Secured Credit Card Pros & Cons
The Good The Bad
  • No annual fee.
  • Free access to your credit score.
  • Considers applicants with fair or poor credit.
  • Higher than average purchase APRs.
  • 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.
  • Charges a 3% balance transfer fee.
  • Does not include many credit card benefits.
Century Bank of Massachusetts Visa Secured Credit Card FAQ

Is there a Century Bank of Massachusetts Visa Secured Credit Card cash back or rewards program?

No, Century Bank of Massachusetts Visa Secured Credit Card does not offer a rewards program.

What are the Century Bank of Massachusetts Visa Secured Credit Card benefits?

Century Bank of Massachusetts Visa Secured Credit Card provides the following benefits:

  • Free Credit Score
  • Zero fraud liability

What are the relevant APRs for Century Bank of Massachusetts Visa Secured Credit 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. Century Bank of Massachusetts Visa Secured Credit Card has higher than average purchase APRs.

Century Bank of Massachusetts Visa Secured Credit Card has a variable purchase APR of 25.99%. The card has a variable balance transfer APR of 25.99% . It also has a variable cash advance APR of 25.99% .

Does Century Bank of Massachusetts Visa Secured Credit Card have an introductory APR offer on balance transfers?

No, Century Bank of Massachusetts Visa Secured Credit Card does not come with an introductory APR offer for balance transfers.

Does Century Bank of Massachusetts Visa Secured Credit Card have an introductory APR offer on new purchases?

Century Bank of Massachusetts Visa Secured Credit Card does not offer an introductory rate on new purchases.
Century Bank of Massachusetts Visa Secured Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period N/A

What are the fees for Century Bank of Massachusetts Visa Secured Credit Card?

The following fees apply to Century Bank of Massachusetts Visa Secured Credit Card:

  • There is no overlimit fee
Century Bank of Massachusetts Visa Secured Credit Card Fees
Fees Amount
Annual Fee $0
Overlimit Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $40
Late Payment Fee up to $40

Does Century Bank of Massachusetts Visa Secured Credit Card have a foreign transaction fee?

Century Bank of Massachusetts Visa Secured 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 a foreign transaction fee.

How to apply for Century Bank of Massachusetts Visa Secured Credit Card

  • Visit the Century Bank of Massachusetts Visa Secured 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.

Availability

  Available in 1 state
Massachusetts
Availabile in all of Massachusetts

Feature Breakdown

Annual Fee $0
Over-Limit Fee $0
No Interest Grace Period for Late Payment 24 days
Cash Advance Fee Minimum $10
Cash Advance Fee (%) Up to 5%
Minimum Cash Advance Fee ($) Starting at $10
Foreign Currency Transaction Fee 3%
Minimum Interest Charge $2
Returned Payment Fee Up to $40
Late Fee Amount Up to $40
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
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 550
Credit Card Benefits
  • Fraud Liability
  • Free Credit Score
Rewards Type No Rewards
Security Deposit $300 - $5,000
Cash Advance APR (Variable APR) 25.99%
Balance Computation average daily balance (including new purchases)
Purchase APR (Variable APR) 25.99%
Balance Transfer APR (Variable APR) 25.99%
Balance Transfer Fee Minimum $5
Balance Transfer Fee % 3%
Card Type
  • Secured
  • Balance Transfer
Card Network Visa

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