Last Updated: 07/28/2025
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Claimed
from Applied Bank
Last Updated: 07/28/2025
SuperMoney User Recommendation Score +67
Strongly recommended12 total votes
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Highlights
Community Rating
Strongly recommended
Purchase APR (Fixed APR)
9.99%(Verified 06/21/2024)
Disclaimer popup with additional information
Balance Transfer APR (Fixed APR)
N/A
Credit Score Range
300 - 640
Annual Fee
$48
Number of Reviews
Applied Bank® Secured Visa® Gold Preferred® Credit Card Review
This is a secured credit card issued by Applied Bank. If you're wondering whether Applied Bank® Secured Visa® Gold Preferred® Credit Card is the right card for you, read on.
Key Takeaways
- APRs: Applied Bank® Secured Visa® Gold Preferred® Credit Card has a fixed purchase APR of 9.99%
- 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.
- Poor credit accepted. This card will consider people who have poor credit.
Pros & Cons of Applied Bank® Secured Visa® Gold Preferred® Credit Card
| The Good | The Bad |
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Applied Bank® Secured Visa® Gold Preferred® Credit Card FAQ
Does Applied Bank® Secured Visa® Gold Preferred® Credit Card have a cash back or rewards program?
No, it does not offer a rewards program.
| Description |
- Zero fraud liability
- Reports to major credit bureaus
What are the relevant APRs for Applied Bank® Secured Visa® Gold Preferred® Credit Card?
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 lower than average regular APRs.Applied Bank® Secured Visa® Gold Preferred® Credit Card has a fixed purchase APR of 9.99%. Applied Bank® Secured Visa® Gold Preferred® Credit Card does not offer balance transfers. It also has a fixed cash advance APR of 9.99% .
Does Applied Bank® Secured Visa® Gold Preferred® Credit Card have an intro APR offer on balance transfers?
No, it does not come with an intro APR offer for balance transfers. Applied Bank® Secured Visa® Gold Preferred® Credit Card does not offer balance transfers.Does Applied Bank® Secured Visa® Gold Preferred® Credit 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 Applied Bank® Secured Visa® Gold Preferred® Credit Card?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Payment Fee | Up to $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Currency Transaction Fee | Starting at 3% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Annual Fee | $48 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Additional Card Fee Amount | $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Late Fee Amount | Up to $38 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Cash Advance Fee ($) | Starting at $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Cash Advance Fee (%) | Starting at 5% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Initial Program Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
This card charges an annual fee of $48.
Does Applied Bank® Secured Visa® Gold Preferred® Credit Card have a foreign transaction fee?
Applied Bank® Secured Visa® Gold Preferred® Credit Card 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 Applied Bank® Secured Visa® Gold Preferred® Credit Card?
The support contact email for Applied Bank® Secured Visa® Gold Preferred® Credit Card is info@appliedbank.com.
How do people rate the customer service and user experience of Applied Bank® Secured Visa® Gold Preferred® Credit Card?
Overall, Applied Bank® Secured Visa® Gold Preferred® Credit Card is strongly recommended based on community reviews that rate customer service and user experience.
Does Applied Bank® Secured Visa® Gold Preferred® Credit Card report your account activity to credit bureaus?
Yes, Applied Bank® Secured Visa® Gold Preferred® 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 Applied Bank perform a hard credit pull?
Yes, Applied Bank® Secured Visa® Gold Preferred® 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 Applied Bank® Secured Visa® Gold Preferred® Credit Card
- Visit the website of Applied Bank® Secured Visa® Gold Preferred® 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.
Hours of Operation
Sunday
Closed
Monday
9:00AM - 5:00PM
Tuesday
9:00AM - 5:00PM
Wednesday
9:00AM - 5:00PM
Thursday
9:00AM - 5:00PM
Friday
9:00AM - 5:00PM
Saturday
Closed
Other Services by Applied Bank
Other Credit Cards from Applied Bank
Purchase APR
29.99%
Disclaimer popup with additional information
Balance Transfer APR
N/A
Credit Score Range
600 - 800
300
850
Annual Fee
$45 - $75
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Learn MoreSuperMoney Net Recommendation Score
SuperMoney users strongly recommend this product, giving it a user recommendation score of +67, or 4.3 on a 5-point rating scale.
+67
-1000+100
No one recommends
Everyone recommends
Applied Bank® Secured Visa® Gold Preferred® Credit Card Community Reviews
Would you recommend Applied Bank® Secured Visa® Gold Preferred® Credit Card to your friends?
RF
Robyn F.
Jan 12, 2022
May or may not recommend
This card is great since the interest rate is low. I would highly recommend this card.
Andrew H.
Aug 12, 2021
May or may not recommend
Batebones card lacking many features of other cards. Good for people with poor credit looking to hold a balance.
JD
Jazmine D.
Aug 12, 2021
May or may not recommend
When I had first applied they made it really difficult to navigate the website still have some issues now. Then app is also useless to me I have tried to get it fixed but nothing changed I’m still unable to use the app at all. But all in all not horrible easy to use other then that.
FC
Florencia C.
Jul 22, 2021
May or may not recommend
I highly recommend this card. It's accesible for anyone because it doesn't ask for a great credit history, so anyone could get it. It can even help you improve your credit scores with responsible use over time. It also offers low APR. I was nervous at first about getting this card, but now I can say that it has definitely gain my approval.
KJ
Kaylee J.
Jul 7, 2021
May or may not recommend
There is no minimum credit score required for the Applied Bank Credit Card that’s what I love about it. Applied Bank does not even investigate applicants' credit histories. It does, however, send account information to the main credit agencies once a month, allowing responsible cardholders to enhance their credit status. It also is easy to increase your credit score with this card! Simple, yet convenient!
AW
Aven W.
Jun 21, 2021
May or may not recommend
There is no minimum credit score required for the Applied Bank Credit Card. Applied Bank does not even investigate applicants' credit histories. It does, however, send account information to the main credit agencies once a month, allowing responsible cardholders to enhance their credit status. As a consequence, the Applied Bank Card is a fantastic choice for rebuilding negative credit, with high acceptance probabilities regardless of how terrible your credit is.
However, ...Show More
DJ
Daniel J.
Jun 8, 2021
May or may not recommend
It allows a wider range of transaction and its customer service are prompt to help you out when you most need them. I like their services and I will recommend them to my friends.
RP
Rene P.
Jun 6, 2021
May or may not recommend
If you're going to get a credit card, get a credit card with a rewards program even if it's minimal. I contacted them to see if they will offer a rewards program but they said this Gold Preferred card doesn't have one.
Boris N.
Jun 3, 2021
May or may not recommend
This card is a life savior for people with bad credit. They accept people with score range 300 - 640 . Plus they have a 9% APR that's hard to beat for someone with bad credit
LD
Layla D.
Apr 23, 2021
May or may not recommend
i just got the card one week ago. i highly recommend it. it has everything it needs to have in a card. 100% highly suggest to buy this card
TB
Taren B.
Jan 11, 2021
May or may not recommend
I had zero credit history when I applied for this aside from student loans. I applied on their website and honestly did not think I was going to get approved but I was! It reports to all the credit bureaus and helped me build my credit before my boyfriend destroyed it. Now, it’s helping me build it back up again!
Emma D.
Oct 24, 2020
May or may not recommend
This is a great credit card for people with poor credit history. I applied for the credit card on the bank’s website. I was worried my application will be denied due to my poor credit score. I was happy when my card was approved. The card helped me rebuild my credit score. I love that APRs is lower than the market average.
Showing 12 of 12 reviews
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