INTRUST Bank Visa® Max Cash Secured Card

INTRUST Bank Visa® Max Cash Secured Card Review

This is a secured credit card cashback card issued by INTRUST Bank. If you're wondering whether INTRUST 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 variable purchase APR of 29.49%
• No annual fee*. This is a great option for people looking for a low-maintenance cashback card. It gives you cashback on your eligible purchases, but you don't have to pay an annual fee for the privilege.
• 3% Balance transfer fee. INTRUST Bank Visa® Max Cash Secured Card charges a fee of 3% on balance transfers. For example, a balance of $1,000 could cost $30 in transfer fees. The minimum fee is $5.
• 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.
• Multiple credit card benefits. Includes generous credit card perks, such as rental insurance, emergency support, identity theft protection, and fraud protection.
• Fair or better credit required. You will have good approval odds if your credit score is above 600.

Pros & Cons of INTRUST Bank Secured Card

The Good	The Bad
No annual fee. Multiple credit card perks. Offers auto rental collision damage waiver. Identity Theft Protection. Considers applicants with fair credit. INTRUST Bank Visa® Max Cash Secured Card reports to multiple credit bureaus.	Higher than average purchase APRs. Does not offer a signup bonus. Charges a foreign transaction fee of 3%. You don't earn rewards on every purchase. Charges a 3% balance transfer fee.

INTRUST Bank Secured Card FAQ

Does INTRUST Bank Secured Card have a cash back or rewards program?

No, it does not offer a rewards program. This is a cashback card. This means you earn a percentage of your purchases as cash back rewards.

What are the INTRUST Bank Secured Card benefits?

It provides the following benefits:

• Auto Rental Collision Damage Waiver
• Emergency Support
• Zero fraud liability
• Reports to major credit bureaus

What are the relevant APRs for INTRUST 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.

INTRUST Bank Visa® Max Cash Secured Card has a variable purchase APR of 29.49%. The card has a variable balance transfer APR of 29.49% . It also has a variable cash advance APR of 30.49% .

What are the fees for INTRUST Bank Secured Card?

The following fees apply:

INTRUST Bank Secured Card Fees

Fees	Amount
Annual Fee	$0
Foreign Transaction Fee	3%
Returned Payment Fee	up to $41
Late Payment Fee	up to $41

This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.

Does INTRUST Bank Visa® Max Cash Secured Card report your account activity to credit bureaus?

Yes, INTRUST Bank Visa® Max Cash 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 INTRUST Bank Secured Card

• Visit the INTRUST 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.