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.


  • Credit Score Range
    300 - 700
  • Employment Statuses Considered
    • Employed Full-Time
    • Employed Part-Time
    • Other
    • Retired
    • Self-Employed
    • Unemployed
  • Immigration Status Considered
    • U.S. Citizen
    • U.S. Permanent Resident
  • Military Status
    • Active Duty Military
    • Military Dependent
    • Non-Military
    • Veterans
  • Minimum Age
  • Supported Income Types
    • 1099 Misc. Income
    • Cash / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Customer Type
  • Annual Fee
  • Grace Period / Deferred Interest
  • Late Payment Penalty
  • Minimum Interest Charge
  • Returned Payment Fee
  • Card Type
  • Card Network
  • Credit Limit
  • Purchases APR (variable)
    Starting at 13.99%
  • Balance Transfer APR (variable)
    Starting at 13.99%
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