Renasant Bank Visa® Max Cash Secured Card
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| Purchase APR (Variable APR) |
29.49% (Verified 02/06/2023) |
| Balance Transfer APR (Variable APR) |
29.49% (Verified 02/06/2023) |
| Credit Score Range | 500 - 850 |
| Annual Fee | $0 |
Renasant Bank Visa® Max Cash Secured Card Review
This is a secured credit card cashback card issued by Renasant Bank. If you're wondering whether Renasant Bank Visa Cash Secured 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. 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 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 emergency support, identity theft protection, purchase protection, and fraud protection.
- 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 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.
What are the Renasant Bank Visa Cash Secured benefits?
It provides the following benefits:
- 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 is 15% for all credit cards and 17% for accounts that carry a balance. 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?
The following fees apply:
- There is no overlimit fee
| Fees | Amount |
|---|---|
| Annual Fee | $0 |
| Overlimit 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 Renasant Bank Visa Cash Secured have a foreign transaction fee?
Renasant Bank Visa Cash Secured 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 Renasant Bank Visa Cash Secured?
The Renasant Bank Visa Cash Secured customer service number is .
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.
What is the Renasant Bank Visa Cash Secured login page?
You can access the Renasant Bank Visa Cash Secured login page here.
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.
How to apply for Renasant Bank Visa Cash Secured
- Visit the Renasant Bank Visa Cash Secured 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
-
209 Troy St
Tupelo, MS 38804 USA - Visit Site
- Email Support
Other Services by Renasant Bank
Other Credit Cards by Renasant Bank
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
| Cash Advance Fee Minimum | $10 |
| Cash Advance Fee (%) | 3% |
| Minimum Cash Advance Fee ($) | $10 |
| Foreign Currency Transaction Fee | 3% |
| No Annual Fee | |
| Annual Fee | $0 |
| Minimum Interest Charge | $1 |
| Over-Limit Fee | $0 |
| No Interest Grace Period for Late Payment | 24 days |
| Returned Payment Fee | Up to $41 |
| Late Fee Amount | Up to $41 |
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