| Basic APR | 11.24% |
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| Intro APR on purchases | 0% |
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| Intro Period | 6 months |
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| Cash Advance APR | 19.99% |
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| Default APR | 23.99% |
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| Annual Fee | $0 |
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| Grace Period | 25 days |
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| Min. Finance Charge | $1.00 |
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| Late Fee | $25 |
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| Overlimit Fee | $25 |
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| Foreign Purchase | 2% |
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| Universal Default | unknown |
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| Sign Up Fee | $79 |
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| 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.
Notes:
*Minimum $200 deposit required. Your credit limit will be equal to the amount of your deposit. |
Expert Review:
Like many other secured credit cards, the Public Savings Secured Visa Credit Card offers easy approval and reports your progress to all three credit bureaus. However, the Public Savings card has a number of unique features no secured card can match. It offers a 0% introductory APR for 6 months. This combined with an interest rate that beats most prime cards and no annual fee makes the Public Savings card the best among secured credit cards. The minimum deposit required to open an account is $200.
Updated:
Nov 2009
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