First Security Bank Secured Visa Review

First Security Bank Secured Visa is a secured credit card credit card issued by Glacier Bancorp. Inc. If you're wondering whether First Security Bank Secured Visa is the right card for you, read on. This is everything you need to know to make a good choice.

• High APRs. This is not a great card for people who carry a balance. It has a variable purchase APR of 24.24%
• 5% Balance transfer fee. First Security Bank Secured Visa charges a fee of up to 5% on balance transfers. For example, a balance of $1,000 could cost up to $50 in transfer fees. The minimum fee is $10.
• Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of 3% every time you make a transaction outside the U.S.
• 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.

The Good	The Bad
Free access to your credit score. Considers applicants with fair or poor credit. First Security Bank Secured Visa reports to multiple credit bureaus.	Higher than average purchase APRs. Charges an annual fee of $35 Does not offer a signup bonus. Does not offer rewards or cash back. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Charges a 5% balance transfer fee.

Is there a First Security Bank Secured Visa cash back or rewards program?

No, First Security Bank Secured Visa does not offer a rewards program.

What are the First Security Bank Secured Visa benefits?

First Security Bank Secured Visa provides the following benefits:

• Free Credit Score
• Emergency Support
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for First Security Bank Secured Visa?

According to the Federal Reserve Board, the average interest rate is 15% for all credit cards and 17% for accounts that carry a balance. First Security Bank Secured Visa has higher than average purchase APRs.

First Security Bank Secured Visa has a variable purchase APR of 24.24%. The card has a variable balance transfer APR of 24.24% . It also has a variable cash advance APR of 25.24% .

The good news is this card does not charge a penalty APR if you are late on a payment.

What are the fees for First Security Bank Secured Visa?

The following fees apply to First Security Bank Secured Visa:

First Security Bank Secured Visa Fees

Fees	Amount
Annual Fee	$35
Foreign Transaction Fee	3%
Returned Payment Fee	$35
Late Payment Fee	$40

Does First Security Bank Secured Visa report your account activity to credit bureaus?

Yes, First Security Bank Secured Visa 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 may help improve your credit.

How to apply for First Security Bank Secured Visa

• Visit the First Security Bank Secured Visa 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 your credit score is preventing you from qualifying for this credit card, check out our guide for the best credit cards for bad credit.