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Applied Bank® Secured Visa® Gold Preferred® Credit Card
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Would you recommend Applied Bank® Secured Visa® Gold Preferred® Credit Card to your friends?
| 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 | 12 |
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.
- 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 relatively good approval odds.
| The Good | The Bad |
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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. This card has lower than average regular APRs.Applied Bank® Secured Visa® Gold Preferred® Credit Card 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:
| 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 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.
Contact
- Headquarters
-
2200 Concord Pike
Suite 102
Wilmington, DE 19803 - Visit Site
- Email Support
About Applied Bank® Secured Visa® Gold Preferred® Credit Card
Availability
- 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 |
Applied Bank® Secured Visa® Gold Preferred® Credit Card Community Reviews
Would you recommend Applied Bank® Secured Visa® Gold Preferred® Credit Card to your friends?
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