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Applied Bank® Secured Visa® Gold Preferred® Credit Card

in Personal Credit Cards from Applied Bank

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Applied Bank® Secured Visa® Gold Preferred® Credit Card

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in Personal Credit Cards from Applied Bank

SuperMoney Net Recommendation Score +64

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +64, equating to 4.3 on a 5 point rating scale.

+64

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Strongly recommended

8 users recommend
2 users are unsure
1 user doesn't recommend
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Highlights
Community Rating Strongly recommended
Purchase APR  (Fixed APR) 9.99%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 300 - 640
Annual Fee $48
Number of Reviews 11

Applied Bank® Secured Visa® Gold Preferred® Credit Card Review

This is a secured credit card 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. This review will provide you with with all the details you need to make a good choice.

Key Takeaways
  • Competitive 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 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.
  • Poor credit accepted. This card will consider people who have bad credit. Even if you have poor credit, you may still have good approval odds.
Pros & Cons of Applied Bank® Secured Visa® Gold Preferred® Credit Card
The Good The Bad
  • Lower than average purchase APRs.
  • Identity Theft Protection.
  • Considers applicants with fair or poor credit.
  • Applied Bank® Secured Visa® Gold Preferred® Credit Card reports to multiple credit bureaus.
  • Charges an annual fee of $48
  • Does not offer a signup bonus.
  • Does not offer rewards or cash back.
  • Charges a foreign transaction fee of 3%.
  • You don't earn rewards on every purchase.
  • Does not include many credit card benefits.
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.

What are the Applied Bank® Secured Visa® Gold Preferred® Credit Card benefits?

It provides the following benefits:

  • 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 is 15% for all credit cards and 17% for accounts that carry a balance. It has lower than average regular APRs.

It has a fixed purchase APR of 9.99%. 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.

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?

The following fees apply:

Applied Bank® Secured Visa® Gold Preferred® Credit Card Fees
Fees Amount
Annual Fee $48
Initial Program Fee $0
Foreign Transaction Fee 3%
Returned Payment Fee up to $38
Late Payment Fee up to $38

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 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 Applied Bank® Secured Visa® Gold Preferred® Credit Card?

The Applied Bank® Secured Visa® Gold Preferred® Credit Card customer service number is .

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 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 Applied Bank® Secured Visa® Gold Preferred® Credit Card

  • Visit the Applied Bank® Secured Visa® Gold Preferred® Credit 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.

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.

Contact

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

About Applied Bank® Secured Visa® Gold Preferred® Credit Card

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Availability

  Available in 49 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

Cash Advance Fee Minimum $5
Cash Advance Fee (%) Starting at 5%
Minimum Cash Advance Fee ($) Starting at $5
Initial Program Fee Starting at $0
Foreign Currency Transaction Fee 3%
Annual Fee $48
Minimum Interest Charge $0.50
No Interest Grace Period for Late Payment 0 days
Returned Payment Fee Up to $38
Additional Card Fee Amount $30
Late Fee Amount Up to $38
Customer Type Personal
Minimum Age 18
Supported Income Types
  • Direct Deposit (W2, SSA, SSDI)
  • Cash
  • Payroll Check or Prepaid Card
  • 1099 Misc. Income
Military Status
  • Active Duty Military
  • Non-Military
  • Veterans
  • Military Dependent
Employment Statuses Considered
  • Other
  • Employed Full-Time
  • Employed Part-Time
  • Self-Employed
  • Retired
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Credit Score Range 300 - 640
Credit Bureau Reporting
  • Experian
  • Equifax
  • TransUnion
Credit Card Benefits
  • Identity Theft Protection
  • Fraud Liability
Rewards Type No Rewards
Security Deposit $200 - $1,000
Cash Advance APR (Fixed APR) 9.99%
Balance Computation Average daily balance (including new purchases).
Credit Limit $200 - $1,000
Purchase APR (Fixed APR) 9.99%
Card Type
  • Secured
  • Bad Credit
Card Network Visa

Applied Bank® Secured Visa® Gold Preferred® Credit Card Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +64, equating to 4.3 on a 5 point rating scale.

+64

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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