Features

Who Is Secured Visa Gold Preferred Credit Card Designed For?

Secured Visa Gold Preferred Credit Card is a personal credit card designed for individuals with poor credit who are trying to improve their credit history. The secured card requires an initial deposit and comes with an annual fee, but cardholders’ payment histories will be sent to all three major credit bureaus.

What Are the Rates for Secured Visa Gold Preferred Credit Card?

The rate for purchases and cash advances is a fixed rate of 9.99% APR. There is no penalty APR.

What Are the Fees for Secured Visa Gold Preferred Credit Card?

There is an annual fee of $48. The foreign transaction fee is 3%. Cash advances incur a fee of either 5% of the amount of each cash advance or $5, whichever is greater. Late payments incur a fee up to $38. Returned payments incur a fee up to $38. The minimum interest charge is $0.50.

What Is the Rewards Program Like for Secured Visa Gold Preferred Credit Card?

There is no rewards program.

What Is the Signup Bonus for Secured Visa Gold Preferred Credit Card?

There is no signup bonus.

Does Secured Visa Gold Preferred Credit Card Have Any Other Benefits?

The secured credit card does not come with benefits other than cardholders’ payment histories being reported to all three major credit bureaus.

How Is Secured Visa Gold Preferred Credit Card Better Than Other Credit Cards?

Secured Visa Gold Preferred Credit Card is an option for individuals even if they have poor or no credit. The card can be used wherever Visas are accepted. Although cardholders are required to provide a secured deposit, their payment histories are reported to credit bureaus.

  • Card Type
    Secured
  • Customer Type
    Personal
  • Card Network
    Visa
  • Credit Score Range
    300 - 640
  • 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 / Other
    • Direct Deposit (W2, SSA, SSDI)
    • Payroll Check or Prepaid Card
  • Annual Fee
    $48
  • Late Payment Penalty
    $38
  • Minimum Interest Charge
    $1
  • Returned Payment Fee
    $38
  • Foreign Currency Transaction Fee
    3%
  • Balance Computation
    "average daily balance (including new purchases)"
  • Credit Limit
    1000
  • Purchases APR
    Starting at 9.99%
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