Last Updated: 07/28/2025
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Highlights
Purchase APR (Variable APR)
29.49%(Verified 06/21/2024)
Balance Transfer APR (Variable APR)
29.49%(Verified 06/21/2024)
Credit Score Range
500 - 850
Annual Fee
$0
Renasant Bank Visa® Max Cash Secured Card Review
This is a secured credit cashback credit card issued by Renasant Bank. If you're wondering whether Renasant Bank Visa® Max Cash 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 variable regular 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.
- A 3% balance transfer fee. Renasant 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 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.
- Multiple credit card benefits. Includes generous credit card perks, such as emergency support, identity theft protection, purchase security, and fraud protection.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Renasant Bank Visa Cash Secured
| The Good | The Bad |
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Renasant Bank Visa Cash Secured FAQ
Does Renasant Bank Visa Cash Secured 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.
| Description |
- Emergency Support
- Zero fraud liability
What are the relevant APRs for Renasant Bank Visa Cash Secured?
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.Renasant 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% .
The good news is this card does not charge a penalty APR if you are late on a payment.
Does Renasant Bank Visa Cash Secured have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers.Does Renasant Bank Visa Cash Secured 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 Renasant Bank Visa Cash Secured?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| No Annual Fee? | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $41 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card does not charge an annual fee, which makes it a smart choice for consumers looking for a low-cost cashback card.
Does Renasant Bank Visa Cash Secured have a foreign transaction fee?
Renasant Bank Visa Cash Secured 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 support contact email for Renasant Bank Visa Cash Secured?
The support contact email for Renasant Bank Visa Cash Secured is info@renasantbank.com.
How do people rate the customer service and user experience of Renasant Bank Visa Cash Secured?
We currently don't have sufficient reviews to provide a reliable SuperMoney community rating for this product.
Does Renasant Bank perform a hard credit pull?
Yes, Renasant Bank Visa Cash Secured 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 Renasant Bank Visa Cash Secured
- Visit the website of Renasant Bank Visa Cash Secured.
- 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 4:30PM
Tuesday
9:00AM - 4:30PM
Wednesday
9:00AM - 4:30PM
Thursday
9:00AM - 4:30PM
Friday
9:00AM - 5:30PM
Saturday
Closed
Other Services by Renasant Bank
Other Credit Cards from Renasant Bank
Rating not yet determined
Purchase APR
18.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
670 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
18.99% - 28.99%
Disclaimer popup with additional information
Balance Transfer APR
18.99% - 28.99%
Disclaimer popup with additional information
Credit Score Range
650 - 850
300
850
Annual Fee
$0
Rating not yet determined
Purchase APR
28.49%
Disclaimer popup with additional information
Balance Transfer APR
28.49%
Disclaimer popup with additional information
Credit Score Range
300 - 550
300
850
Annual Fee
$0
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Learn MoreSuperMoney Net Recommendation Score
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