Last Updated: 07/28/2025
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Highlights
Purchase APR (Fixed APR)
26.49%(Verified 06/21/2024)
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Balance Transfer APR (Fixed APR)
26.49%(Verified 06/21/2024)
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Credit Score Range
350 - 850
Annual Fee
$35
Gate City Bank Secured Card Review
This is a secured credit card issued by Gate City Bank. If you're wondering whether Gate City Bank Secured Card is the right card for you, read on.
Key Takeaways
- APR: This is not a great card for people who carry a balance. It has a fixed purchase APR of 26.49%
- 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 Gate City Bank Secured Card
| The Good | The Bad |
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Gate City Bank Secured Card FAQ
Does Gate City Bank Secured Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Gate City Bank Secured Card?
According to the Federal Reserve Board, the average regular APR for accounts that carry a balance (as of November 2024) is 22.80%. This card has higher than average regular APRs.Gate City Bank Secured Card has a fixed purchase APR of 26.49%. The card has a fixed balance transfer APR of 26.49% . It also has a fixed cash advance APR of 27.49% .
Does Gate City Bank Secured Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Gate City Bank Secured Card have an intro APR offer on new purchases?
This card does not offer an intro APR rate on new purchases.What are the fees for Gate City Bank Secured Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $35 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $40 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Up to 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $35.
Does Gate City Bank Secured Card have a foreign transaction fee?
Gate City Bank Secured Card charges a foreign transaction fee of up to 3%. For example, if you spend $2,000 on a week vacation abroad you would pay a foreign transaction fee of $60. If you travel abroad you may want to leave this card at home and apply for one that doesn't charge foreign transaction fees.What is the customer service phone number for Gate City Bank Secured Card?
The customer service number for Gate City Bank Secured Card is (800) 423-3344.
What is the support contact email for Gate City Bank Secured Card?
The support contact email for Gate City Bank Secured Card is socialmedia@gatecity.bank.
What is the login page for Gate City Bank Secured Card?
You can access the login page of Gate City Bank Secured Card here.
How do people rate the customer service and user experience of Gate City Bank Secured Card?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Gate City Bank Secured Card report your account activity to credit bureaus?
Yes, Gate City Bank Secured 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 Gate City Bank perform a hard credit pull?
Yes, Gate City Bank Secured 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 Gate City Bank Secured Card
- Visit the website of Gate City Bank Secured 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.
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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.
Hours of Operation
Sunday
Closed
Monday
7:00AM - 10:00PM
Tuesday
7:00AM - 10:00PM
Wednesday
7:00AM - 10:00PM
Thursday
7:00AM - 10:00PM
Friday
7:00AM - 10:00PM
Saturday
Invalid DateTime - 6:00PM