Applied Bank Credit Cards - Applied Bank Cards

APR

Annual Fee

Credit

Applied Bank® Secured Visa® Gold Credit Card

9.99%

$50

Poor - Bad

No Credit

9.99% low fixed APR - rate won't change even if you're late!
Choose your credit limit up to $5,000*
No credit requirements and no income requirements
Credit bureau reporting

Rates & Details | Full offer

Rates & Terms

[ close ]

Basic APR	9.99%
Cash Advance	9.99%
Default APR	Unknown
Annual Fee	$50
Grace Period	0 days
Min. Finance Charge	$0.50
Late Fee	$32
Overlimit Fee	$32
Foreign Purchase	1%
Universal Default	unknown
Sign Up Fee	None

Important:
Always read the full terms & fees disclosure provided by the credit card issuer before you apply. The creditor's terms may include more detailed or updated information than this chart.

Notes:
*Minimum $200 deposit required. Your credit limit will be equal to the amount of your deposit.

Expert Review:
In exchange for a deposit of at least $200, up to a maximum of $5,000, you can get an Applied Bank Secured Visa Gold Credit Card with no credit or income requirements, even if your credit picture is bad or very bad. Your credit limit will be equal to your deposit. The first year's annual fee of $50 is automatically deducted, but there are no other start up fees. While there is no grace period, this credit card (which reports to credit bureaus) has an attractive APR, a 1% fee on foreign purchases, and standard fees on everything else.
Updated: Jun 2009

APR

Annual Fee

Credit

Applied Bank® Secured Visa® Credit Card

9.99%

$50

Poor - Bad

No Credit

9.99% low fixed APR - rate won't change even if you're late!
Choose your credit limit up to $5,000*
No credit requirements and no income requirements
Credit bureau reporting

Rates & Details | Full offer

Rates & Terms

[ close ]

Basic APR	9.99%
Cash Advance	9.99%
Default APR	Unknown
Annual Fee	$50
Grace Period	0 days
Min. Finance Charge	$0.50
Late Fee	$32
Overlimit Fee	$32
Foreign Purchase	1%
Universal Default	unknown
Sign Up Fee	None

Expert Review:
For a deposit of at least $200, up to a maximum of $5,000, you can get an Applied Bank Secured Visa Credit Card with no credit or income requirements, even if your credit picture is bad or very bad. Your credit limit will be equal to your deposit. The first year's annual fee of $50 is automatically deducted, but there are no other start up fees. While there is no grace period, this credit card (which reports to credit bureaus) has an attractive APR, a 1% fee on foreign purchases, and standard fees on everything else.
Updated: May 2009

APR

Annual Fee

Credit

Applied Bank® National Express Secured Visa® Credit Card

9.99%

$50

Poor - Bad

No Credit

Guaranteed Approval*
9.99% low fixed APR - rate won't change even if you're late!
Free companion airline ticket**
Choose your credit limit up to $5,000***

Rates & Details | Full offer

Rates & Terms

[ close ]

Basic APR	9.99%
Cash Advance	9.99%
Default APR	Unknown
Annual Fee	$50
Grace Period	0 days
Min. Finance Charge	$0.50
Late Fee	$32
Overlimit Fee	$32
Foreign Purchase	1%
Universal Default	unknown
Sign Up Fee	None

*Verification of your information and deposit are required.
**Free Companion Airline Ticket with approved application.
***Minimum $200 deposit required. Your credit limit will be equal to the amount of your deposit.

Expert Review:
Not many secured cards offer a free airline ticket upon approval. But the Applied Bank National Secured Visa Credit Card does! Like all secured credit cards, it requires a deposit which will equal its credit limit. The deposit must be at least $200 but can be as high as $5,000. When the account switches to being unsecured or is closed, you'll receive your deposit. There are no credit or income requirements, so it is ideal for those with bad, very bad or no credit. This credit card has an APR lower than many other traditional credit cards. There is an annual fee of $50 but there are no activation or set-up fees.
Updated: May 2009