Gate City Bank Secured Card
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| Purchase APR (Fixed APR) |
26.49% (Verified 10/21/2022) |
| Balance Transfer APR (Fixed APR) |
26.49% (Verified 10/21/2022) |
| Credit Score Range | 350 - 850 |
| Annual Fee | $35 |
Gate City Bank Secured Card Review
This is a secured credit card 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
- High APRs. 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 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 have relatively good approval odds.
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.
What are the Gate City Bank Secured Card benefits?
It provides the following benefits:
- 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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?
The following fees apply:
| Fees | Amount |
|---|---|
| Annual Fee | $35 |
| Foreign Transaction Fee | 3% |
| Returned Payment Fee | up to $35 |
| Late Payment Fee | up to $40 |
Does Gate City Bank Secured Card have a foreign transaction fee?
Gate City Bank Secured Card charges a foreign transaction fee of 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 Gate City Bank Secured Card customer service number 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 Gate City Bank Secured Card login page?
You can access the Gate City Bank Secured Card login page 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 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 Gate City Bank Secured Card
- Visit the Gate City Bank Secured Card 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.
Contact
- Headquarters
-
P.O. Box 2847
Fargo, ND 58108 USA - (800) 423-3344
- Visit Site
- Email Support
Other Services by Gate City Bank
Availability
- Minnesota
- North Dakota
Feature Breakdown
| Cash Advance Fee Minimum | $15 |
| Cash Advance Fee (%) | Up to 5% |
| Minimum Cash Advance Fee ($) | Starting at $15 |
| Foreign Currency Transaction Fee | 3% |
| Annual Fee | $35 |
| Minimum Interest Charge | $1.75 |
| No Interest Grace Period for Late Payment | 21 days |
| Returned Payment Fee | Up to $35 |
| Late Fee Amount | Up to $40 |
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