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Last Updated: 05/14/2026

PCB Secured Visa® Credit Card

from Plains Commerce Bank

Last Updated: 05/14/2026

Rating not yet determined2 total votes

2 users recommend

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Highlights

Purchase APR (Fixed APR)

18.9%(Verified 06/21/2024)

Disclaimer popup with additional information

Balance Transfer APR (Fixed APR)

N/A

Credit Score Range

350 - 720

Annual Fee

$39

PCB Secured Visa® Credit Card Review

This is a secured credit card issued by Plains Commerce Bank. If you're wondering whether PCB Secured Visa® Credit 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 18.9%
Charges foreign transaction fees. Avoid using this card when traveling abroad because it charges a commission of up to 1% every time you make a transaction outside the U.S.
Student credit card. This card is geared toward students. In other words, college students with limited credit history and low incomes can still apply, especially if they have a cosigner ready to vouch for them.
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 PCB credit card

The Good

The Bad

After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
24/7 online account center.
Considers applicants who don't have a credit history.
PCB Secured Visa® Credit Card reports to multiple credit bureaus.

Higher than average purchase APRs.
Charges an annual fee of $39
Does not offer a signup bonus.
Does not offer rewards or cash back.
Charges a foreign transaction fee of up to 1%.
You don't earn rewards on every purchase.

PCB credit card FAQ

Does PCB credit card have a cash back or rewards program?

No, it does not offer a rewards program.

PCB credit card Rewards Breakdown

Description

How do people rate the customer service and user experience of PCB credit card?

We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.

Does PCB Secured Visa® Credit Card report your account activity to credit bureaus?

Yes, PCB Secured Visa® Credit 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 Plains Commerce Bank perform a hard credit pull?

Yes, PCB credit 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 PCB credit card

Visit the website of PCB credit 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.

SuperMoney Disclosure: SuperMoney.com is an independent, advertising-supported service. The owner of this website may be compensated in exchange for featured placement of certain sponsored products and services, or your clicking on links posted on this website. Read more...

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.

Message from PCB credit card

We understand that establishing a positive credit history is important. That's why we offer the PCB Secured Visa® Card. Whether you are rebuilding your credit or new to credit, the PCB Secured Visa is the perfect choice. Our mission is to provide customers with quality service and products, by linking the values of the past with the ideas and technology of the future. Looking for a credit card to help build your credit history? When looking to build or rebuild your credit, there are advantages to the PCB Secured Visa® credit card. Like all secured credit cards it requires an upfront collateral deposit and works like any other credit card.

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Andrew Latham

Contact

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220 Main Street

Hoven, SD 57450

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Hours of Operation

SundayClosedMonday9:00AM - 4:00PMTuesday9:00AM - 4:00PMWednesday9:00AM - 4:00PMThursday9:00AM - 4:00PMFriday9:00AM - 4:00PMSaturdayClosed

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