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Applied Bank® Secured Visa® Gold Preferred®

in Personal Credit Cards

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Applied Bank® Secured Visa® Gold Preferred®

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in Personal Credit Cards

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Overview

Who is this credit card designed for?

Applied Bank® Secured Visa® Gold Preferred® is a secured credit card issued by Applied Bank, which is based in Wilmington, DE.  Secured cards are a type of credit card that is backed by a secured payment, which is used as collateral. These cards are often used by borrowers with poor credit or little credit history to help build their credit.

Applied Bank® Secured Visa® Gold Preferred® is designed for people with a credit score of 300 to 640.

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

What are the relevant APRs?

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

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

Is an introductory APR offer available?

No, Applied Bank® Secured Visa® Gold Preferred® does not come with an introductory APR offer for balance transfers.

Applied Bank® Secured Visa® Gold Preferred® does not offer an introductory rate on new purchases.

What are the fees?

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

  • An annual fee of $48. Make sure the rewards and benefits of this card justify the cost of the annual fee.
  • A late payment penalty of $38.
  • A returned payment fee of $38.
  • A foreign transaction fee of 3%. Transactions in a foreign currency get hit with a 3% fee. For example, if you buy a $1,000 flight in euros, you will pay a foreign transaction fee of $30.

Is a rewards program offered?

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

Is a signup bonus offered?

Applied Bank® Secured Visa® Gold Preferred® doesn't offer a cash signup bonus.

Is an annual loyalty bonus offered?

Applied Bank® Secured Visa® Gold Preferred® doesn't offer a cash loyalty bonus.

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 and on-time payments on a credit card that reports your account activity to credit bureaus will demonstrate that you consistently manage debt well and can help increase your credit scores.

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Contact

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

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

List of Fees
Late Payment Penalty
$38
Returned Payment Fee
$38
Grace Period for Late Payment (Days)
0
Minimum Interest Charge
$0.50
Annual Fee
$48
Foreign Currency Transaction Fee
3%
Minimum Age
18
Credit Score Range
300 - 640
850 300 640
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Employment Statuses Considered
  • Employed Full-Time
  • Employed Part-Time
  • Other
  • Retired
  • Self-Employed
  • Unemployed
Military Status
  • Active Duty Military
  • Military Dependent
  • Non-Military
  • Veterans
Supported Income Types
  • 1099 Misc. Income
  • Cash
  • Direct Deposit (W2, SSA, SSDI)
  • Payroll Check or Prepaid Card
Customer Type
Personal
Percentage
Purchase APR
(Fixed APR)
Starting at
9.99%
Percentage
Cash Advance APR
(Fixed APR)
Starting at
9.99%
Balance Computation
"average daily balance (including new purchases)"
Credit Limit
$5,000

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