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  Excent Secured Credit Card

Excent Secured Credit Card

in Personal Credit Cards from First Choice Bank

Unaffiliated

Excent Secured Credit Card

Unaffiliated

in Personal Credit Cards from First Choice Bank

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Highlights
Highlights
Purchase APR  (Fixed APR) 13.99%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 300 - 700
Annual Fee $39

Excent Secured Credit Card Review

Excent Secured Credit Card is a secured credit card credit card issued by First Choice Bank. If you're wondering whether Excent 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
  • Competitive APRs. Excent Secured Credit Card has a fixed purchase APR of 13.99%
  • 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.
Excent Secured Credit Card Pros & Cons
The Good The Bad
  • Lower than average purchase APRs.
  • Considers applicants with fair or poor credit.
  • Excent Secured Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $39
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
Excent Secured Credit Card FAQ

Is there a Excent Secured Credit Card cash back or rewards program?

No, Excent Secured Credit Card does not offer a rewards program.

What are the relevant APRs for Excent 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. Excent Secured Credit Card has lower than average purchase APRs.

Excent Secured Credit Card has a fixed purchase APR of 13.99%. It also has a fixed cash advance APR of 18.99% .

Does Excent Secured Credit Card have an introductory APR offer on balance transfers?

No, Excent Secured Credit Card does not come with an introductory APR offer for balance transfers.

Does Excent Secured Credit Card have an introductory APR offer on new purchases?

Excent Secured Credit Card does not offer an introductory rate on new purchases.
Excent Secured Credit Card Purchase Intro Offer
Description
Introductory Rate N/A
Purchase Intro APR Period (months) N/A

What are the fees for Excent Secured Credit Card?

The following fees apply to Excent Secured Credit Card:

Excent Secured Credit Card Fees
Fees Amount
Annual Fee $39
Returned Payment Fee up to $29
Late Payment Fee up to $29

Does Excent Secured Credit Card report your account activity to credit bureaus?

Excent Secured 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 can help improve your credit.

How to apply for Excent Secured Credit Card

  • Visit the Excent 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 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.

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About Excent Secured Credit Card

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

No Interest Grace Period for Late Payment 25 days
Annual Fee $39
Minimum Interest Charge $1
Returned Payment Fee Up to $29
Late Fee Amount Up to $29
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
  • Unemployed
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Checking Account Required  
Credit Score Range 300 - 700
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Rewards Type No Rewards
Cash Advance APR (Fixed APR) 18.99%
Balance Computation average daily balance (including new purchases)
Credit Limit Up to $5,000
Purchase APR (Fixed APR) 13.99%
Card Type
  • Secured
  • Bad Credit
Card Network Visa

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