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Applied Bank® Secured Visa® Gold Preferred®

in Personal Credit Cards from Applied Bank

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Applied Bank® Secured Visa® Gold Preferred®

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in Personal Credit Cards from Applied Bank

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Highlights
Highlights
Annual Fee $48
Purchase APR  (Fixed APR) 9.99%
Balance Transfer APR  (Fixed APR) N/A
Credit Score Range 300 - 640

Applied Bank® Secured Visa® Gold Preferred® Review

Applied Bank® Secured Visa® Gold Preferred® is a secured credit card credit card issued by Applied Bank. 

Secured cards are credit cards that require a refundable deposit before you qualify for a line of credit. These cards are often used to build the credit of consumers with with poor credit or little credit history.

This card is designed for people who have bad credit. The minimum credit score to apply is 300.

This card has a minimum credit limit of $5,000.

If you're wondering whether Applied Bank® Secured Visa® Gold Preferred® is the right card for you, read on. This is everything you need to know to make a good choice.

Is there a Applied Bank® Secured Visa® Gold Preferred® cash back or rewards program?

No, Applied Bank® Secured Visa® Gold Preferred® does not offer a rewards program.

Applied Bank® Secured Visa® Gold Preferred® Rewards
Rewards rate (all purchases) N/A
Max rewards rate N/A
Annual rewards limit N/A
Signup Bonus ($) N/A

What are the relevant APRs for Applied Bank® Secured Visa® Gold Preferred®?

Applied Bank® Secured Visa® Gold Preferred® has a fixed purchase APR of 9.99%.

It also has a fixed cash advance APR starting at 9.99% .

Does Applied Bank® Secured Visa® Gold Preferred® have an introductory APR offer?

Applied Bank® Secured Visa® Gold Preferred® does not offer an introductory rate on new purchases.
Applied Bank® Secured Visa® Gold Preferred® Balance Transfers
Description
Balance Transfer APR N/A
Introductory Rate N/A
Intro APR period (months) N/A
Applied Bank® Secured Visa® Gold Preferred® Rates & Terms
Description
Balance Computation "average daily balance (including new purchases)"
Purchase APR 9.99%
Credit Limit $5,000
Penalty APR N/A
Cash Advance APR Starting at 9.99%
Security Deposit $200 - $1,000
Introductory Rate N/A
Intro APR period (months) N/A

What are the Applied Bank® Secured Visa® Gold Preferred® fees?

The following fees apply to Applied Bank® Secured Visa® Gold Preferred®:

Applied Bank® Secured Visa® Gold Preferred® Fees
Fees Amount
Annual Fee $48
Foreign Transaction Fee 3%
Returned Payment Fee $38
Late Payment Fee $38

Does Applied Bank® Secured Visa® Gold Preferred® have a foreign transaction fee?

Applied Bank® Secured Visa® Gold Preferred® 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 a foreign transaction fee.

Does Applied Bank® Secured Visa® Gold Preferred® report your account activity to credit bureaus?

Applied Bank® Secured Visa® Gold Preferred® 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 can help improve your credit score.

How to apply for Applied Bank® Secured Visa® Gold Preferred®

  • Visit the Applied Bank® Secured Visa® Gold Preferred® 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 you're denied click here to find out why your application may have been rejected and what you can do about it.

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...

Contact

  • Headquarters
  •   2200 Concord Pike
    Suite 102
    Wilmington, DE 19803
  •   Visit Site

About Applied Bank® Secured Visa® Gold Preferred®

Availability

Alaska Alabama Arkansas Arizona California Colorado Connecticut Washington, D.C. 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 West Virginia Wyoming
  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

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

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