Applied Bank Secured Visa Gold

Use this credit card for your regular purchases, and earn many benefits.

Credit Card

Applied Bank Secured Visa Gold

Earn rewards with every purchase Earn points quickly

Use this credit card for purchases, and have many daily benefits.

How to Apply You will remain on the current site

If you’re looking to build or rebuild your credit, the Applied Bank Secured Visa Gold Credit Card is worth considering. It’s one of the few secured cards out there with a low, fixed interest rate of just 9.99%. 

Plus, there’s no minimum credit score needed to apply, so almost anyone can qualify. However, it does come with an annual fee of $48, which is something you’ll need to think about before applying. 

Let’s check into the details to see if this card is a good fit for you.

Low Fixed Interest Rate

One of the best things about this card is its low, fixed APR of 9.99%. Most other secured cards have much higher rates, which means you’d end up paying more in interest if you carry a balance. 

With this card, your interest rate won’t change, so you can predict your costs each month. 

If you need to carry a balance, this can save you a lot of money in the long run. It’s a simple, affordable option if you’re looking to establish or rebuild your credit.

Pros and Cons

Before deciding if this card is right for you, let’s quickly run through the pros and cons.

Pros:

1. Low fixed APR of 9.99%
2. No credit check or minimum score required
3. Helps build or rebuild your credit

Cons:

1. $48 annual fee
2. No rewards program
3. No option to upgrade to an unsecured card

How do I know if the applied bank secured visa gold is the best credit card for me?

The Applied Bank Secured Visa Gold Credit Card could be a great choice if you’re starting from scratch or looking to repair your credit. Since there’s no credit score requirement and no credit check, it’s easy to apply. 

The fixed 9.99% APR makes it more affordable compared to other secured cards with higher rates. However, the $48 annual fee is something to keep in mind, especially if you’re trying to keep costs low. 

If you’re okay with the fee and want a low-interest card to help build credit, this card could be a great option for you.

Why do we like this card?

What stands out about the Applied Bank Secured Visa Gold Credit Card is the low, fixed APR of 9.99%. It’s one of the best rates you’ll find for a secured card. 

Plus, there are no credit score requirements, so almost anyone can apply. While the $48 annual fee might not be ideal for everyone, the low interest rate helps balance it out. 

If you’re looking to build or rebuild your credit without paying high interest or dealing with fluctuating rates, this card is a really great choice.