Excent Secured Credit Card

in Personal Credit Cards

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Excent Secured Credit Card


in Personal Credit Cards

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Who is Excent Secured Credit Card For?

Excent Secured Credit Card is designed to help people with bad credit or no credit who want to rebuild their credit history. 

What are Excent Secured Credit Card's Rates?

Excent Secured Credit Card has a low fixed rate of 13.99% APR on purchases.

What Are Excent Secured Credit Card's Fees?

Excent Secured Credit Card charges an annual fee of $39, but it doesn’t charge a penalty rate if you are late making a payment. There is an additional card fee of $29.

What Is Excent Secured Credit Card’s Rewards Program Like?

It doesn’t have a rewards program.

What about Excent Secured Credit Card’s Signup Bonus?

No signup bonus. The only bonus of this card is that it accepts anybody who has an income that exceeds its expenses by $100.

Does Excent Secured Credit Card’s Have Other Benefits?

Yes. It reports to the three main nationwide credit bureaus: TransUnion, Equifax, and Experian. If you make regular and on-time payments, having an Excent Secured Credit Card can help you improve your credit score.

How Is Excent Secured Credit Card’s Better Than Other Credit Cards?

- Excent Secured Credit Card is easy to qualify for. As long as you make $100 more than your expenses, you will qualify.

- Relatively low rate: 13.99% APR.

- No penalty rate or application fees.

- Annual fee of $39.


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  • Headquarters
  •   585 E Pilot Rd
    Las Vegas, NV 89119 USA
  •   Visit Site


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  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

Grace Period for Late Payment (Days) 25
Late Payment Penalty $29
Returned Payment Fee $29
Minimum Interest Charge $1
Annual Fee $39
Minimum Age 18
Credit Score Range 300 - 700
850 300 700
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Bank Account Required  
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type Personal
Purchase APR (Fixed APR) Starting at 13.99%
Cash Advance APR (Fixed APR) Starting at 18.99%
Balance Computation average daily balance (including new purchases)
Credit Limit 5000

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