Overview

Who is this credit card designed for?

Excent Secured Credit Card is a secured credit card credit card issued by First Choice Bank, which is based in Las Vegas, NV.  Secured cards are a type of credit card that is backed by a secured payment, which is used as collateral. These cards are often used by borrowers with poor credit or little credit history to help build their credit.

Excent Secured Credit Card is designed for people with a credit score of 300 to 700.

This card has a credit limit of $5000.

What are the relevant APRs?

Excent Secured Credit Card has a fixed purchase APR starting at 13.99%.

It also has a fixed cash advance APR starting at 18.99%.

Is an introductory APR offer available?

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

Excent Secured Credit Card does not offer an introductory rate on new purchases.

What are the fees?

The following fees apply to Excent Secured Credit Card:

• An annual fee of $39. Make sure the rewards and benefits of this card justify the cost of the annual fee.
• A late payment penalty of up to $29.
• Excent Secured Credit Card does not charge a returned payment fee.

Is a rewards program offered?

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

Is a signup bonus offered?

Excent Secured Credit Card doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

Excent Secured Credit Card doesn't offer a cash loyalty bonus.

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.