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Home > Credit Cards > Platinum Zero™ Secured Visa® Credit Card from Applied Bank®

Platinum Zero™ Secured Visa® Credit Card from Applied Bank®

  • ZERO - 0% fixed APR on purchases - no intro rates!
  • ZERO - 0% rate won't change - even if you're late!
  • ZERO application fees
  • ZERO worries - free personal ID theft protection
Apply Today
image of Platinum Zero™ Secured Visa® Credit Card from Applied Bank® credit card

Credit standing needed for this card:


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Why This Card?

Expert Review:

In exchange for a deposit of $500, you can get a Platinum Zero Secured Visa Credit Card from Applied Bank. While there is no grace period, this credit card (which reports to credit bureaus) has a 0% APR on purchases and standard fees on everything else.



Updated: Feb 2010
Ongoing AprAnnual FeeCredit Needed
0% on purchases$0Poor - Bad
No Credit

Rates & Term Details

Basic APR0% on purchases
Cash Advance APR9.99%
Default APRN/A
Annual Fee$0
Grace Period0 days
Min. Finance Charge$0.50
Late Fee$32 to $35
Overlimit Fee$0
Foreign Purchase1%
Universal DefaultN/A
Sign Up FeeZero
Monthly Maintenance FeeBilled at $9.95 per month ($119.40 annually)

Important:

Always read the terms and fees disclosure provided by the credit card issuer on their site before applying. The issuing bank's terms may include more detailed or updated information than presented here.

About Credit.com's Credit Cards and Prepaid Cards:

Credit cards are a convenient way to maximize your spending power. From premium reward cards to accounts that help you rebuild your credit, we have the credit card for you! Credit cards help you build your credit, increase your borrowing power, and make major purchases. If your future goals include owning a home, buying a car, owning your own business, or traveling, having a credit card is an excellent first step. With credit card services from leading issuers like American Express, Bank of America, Capital One, Chase, Citibank, Discover, First PREMIER® Bank, HSBC Bank, IBERIABANK, MasterCard, Simmons First and Visa, you can find the best credit card for you at Credit.com.

The key to success with credit cards is to know how to use them to your advantage and not to get caught up in the traps that lurk behind the benefits. Credit.com offers many kinds of credit card benefits, from airline and gas rewards to cashback cards, and the first step is filling out a credit card application online. You can also apply for specialty credit cards, such as student credit cards or business credit cards. Credit.com also offers credit cards for the United Kingdom and Canada.

In addition to credit cards, Credit.com offers three other card options that can provide excellent choices for people with less-than-perfect credit: Prepaid cards from Mastercard and Visa allow you to load money onto the card and then use it like any other major credit card. They require no credit approval and carry the same fraud protection as the regular cards. But fees can be high, so be sure to shop carefully for a prepaid card.

Secured cards require you to open a bank account and deposit funds in a bank account (security deposit) in case you can't pay the bills. You'll get a major credit card you can use anywhere those types of cards are accepted. Shop carefully for a secured card to avoid costly fees.

Debit Cards issued under the Visa card or Mastercard name can be widely used and carry fraud protection. But if your card number is stolen and used, you'd want to find out immediately. Otherwise, you could bounce checks. One strategy: Have two checking accounts and associate your debit card with the one with the small balance. Just transfer the purchase amount into the account before you buy something with the card.