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Last Updated: 07/28/2025

First Choice Bank Excent Secured Visa Credit Card

from First Choice Bank

Last Updated: 07/28/2025

Created by:

SuperMoney

Fact Checked by:

Andrew Latham

Rating not yet determined1 total votes

1 users recommend

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Highlights

Purchase APR (Fixed APR)

13.99%(Verified 06/21/2024)

Disclaimer popup with additional information

Balance Transfer APR (Fixed APR)

N/A

Credit Score Range

300 - 700

Annual Fee

$39

First Choice Bank Excent Secured Visa Credit Card Review

This is a secured credit card issued by First Choice Bank. If you're wondering whether First Choice Bank Excent Secured Visa Credit Card is the right card for you, read on.

Key Takeaways

APRs: First Choice Bank Excent Secured Visa Credit Card has a fixed purchase APR of 13.99%
Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 3% every time you make a transaction outside the U.S.
Secured card. This card requires a refundable deposit before you can use the account. Deposits are returned upon account closure after settling outstanding balances. These cards can help people with poor credit or little credit history build their credit.
Poor credit accepted. This card will consider people who have poor credit.

Pros & Cons of First Choice Bank Excent Secured Visa Credit Card

The Good

The Bad

Considers applicants with fair credit.
First Choice Bank Excent Secured Visa 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.
Charges a foreign transaction fee of up to 3%.
You don't earn rewards on every purchase.

First Choice Bank Excent Secured Visa Credit Card FAQ

Does First Choice Bank Excent Secured Visa Credit Card have a cash back or rewards program?

No, it does not offer a rewards program.

First Choice Bank Excent Secured Visa Credit Card Rewards Breakdown

Description

How do people rate the customer service and user experience of First Choice Bank Excent Secured Visa Credit Card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does First Choice Bank Excent Secured Visa Credit Card report your account activity to credit bureaus?

Yes, First Choice Bank Excent Secured Visa Credit Card reports to the following credit bureaus:

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 may help build your credit.

Does First Choice Bank perform a hard credit pull?

Yes, First Choice Bank Excent Secured Visa Credit Card performs a hard credit pull when you apply for a loan. Additionally, it doesn't provide the option to check your rates using a soft credit pull, a feature that many lenders offer.

Click here to get prequalified rates from multiple leading lenders without a hard credit pull. However, if you accept a loan offer, a hard credit pull will likely be performed.

How to apply for First Choice Bank Excent Secured Visa Credit Card

Visit the website of First Choice Bank Excent Secured Visa Credit Card.
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.

Contact

Headquarters

PO Box 472

Kingston, NJ 08528

Visit Site

Email Support

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SuperMoney Net Recommendation Score

Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.

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First Choice Bank Excent Secured Visa Credit Card Community Reviews

Would you recommend First Choice Bank Excent Secured Visa Credit Card to your friends?

Denicki H.

Aug 18, 2022

May or may not recommend

It has a wide availability range, and accepts people with poor credit. That’s so useful when rebuilding credit, but it is very basic. There aren’t rewards and the APR is kinda high

Showing 1 of 1 reviews