Secured Credit Cards - Secured Cards

APR

Annual Fee

Credit

Public Savings Secured Visa® Credit Card

11.24%

Poor - Bad

No Credit

0% APR for purchases for 6 months
No annual fee
No credit, income or employment requirements
Reports to all 3 credit bureaus

Rates & Details | Full offer

Rates & Terms

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Basic APR	11.24%
Intro APR on purchases	0%
Intro Period	6 months
Cash Advance APR	19.99%
Default APR	23.99%
Annual Fee	$0
Grace Period	25 days
Min. Finance Charge	$1.00
Late Fee	$25
Overlimit Fee	$25
Foreign Purchase	2%
Universal Default	unknown
Sign Up Fee	$79

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

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

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Basic APR	9.99%
Cash Advance APR	9.99%
Default APR	Unknown
Annual Fee	$50
Grace Period	0 days
Min. Finance Charge	$0.50
Late Fee	$32 to $35
Overlimit Fee	$32 to $35
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: Oct 2009

APR

Annual Fee

Credit

Platinum Zero™ Secured Visa® Credit Card

0% on purchases

Poor - Bad

No Credit

ZERO - 0% fixed APR on purchases - no intro rates!
ZERO - rates won't change - even if you're late!
ZERO turn downs - guaranteed approval*
ZERO credit and income requirements

Rates & Details | Full offer

Rates & Terms

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Basic APR	0% on purchases
Cash Advance APR	9.99%
Default APR	N/A
Annual Fee	$0
Grace Period	0 days
Min. Finance Charge	$0.50
Late Fee	$32 to $35
Overlimit Fee	$32 to $35
Foreign Purchase	1%
Universal Default	N/A
Sign Up Fee	Zero
Monthly Maintenance Fee	Billed at $9.95 per month ($119.40 annually)

Expert Review:
In exchange for a deposit of at least $500, up to a maximum of $5,000, you can get a Platinum Zero 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. 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: Oct 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

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Basic APR	9.99%
Cash Advance APR	9.99%
Default APR	Unknown
Annual Fee	$50
Grace Period	0 days
Min. Finance Charge	$0.50
Late Fee	$32 to $35
Overlimit Fee	$32 to $35
Foreign Purchase	1%
Universal Default	unknown
Sign Up Fee	None

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:
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: Oct 2009

APR

Annual Fee

Credit

First PREMIER® Bank Secured Credit Card

19.9%

$69

Poor - Bad

A credit card for those with less than perfect credit
Reports monthly to the major Consumer Reporting Agencies
Quality customer service
View all Terms and Conditions

Rates & Details | Full offer

Rates & Terms

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Basic APR	19.9%
Cash Advance APR	19.9%
Default APR	N/A
Annual Fee	$69
Grace Period	25 days
Min. Finance Charge	$0.50
Late Fee	$29
Overlimit Fee	$29
Foreign Purchase	N/A
Universal Default	No
Sign Up Fee	None
Account Set-Up Fee (One-time)	$0
Additional Card Fee (Annually)	$20.00
Program Fee (One-time)	$0
Foreign Currency Transaction Fee	3%

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:
Your initial credit limit will be equal to your security deposit account of at least $200 and up to a maximum of $5,000.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER(R) Bank product.

Expert Review:

APR

Annual Fee

Credit

Centennial® Secured Credit Card

19.9%

$69

Poor - Bad

The right credit card for those with less than perfect credit
24 hour account access by phone
Reports monthly to the major Consumer Reporting Agencies
View all Terms and Conditions

Rates & Details | Full offer

Rates & Terms

[ close ]

Basic APR	19.9%
Cash Advance APR	19.9%
Default APR	N/A
Annual Fee	$69
Grace Period	25 days
Min. Finance Charge	$0.50
Late Fee	$29
Overlimit Fee	$29
Foreign Purchase	N/A
Universal Default	No
Sign Up Fee	None
Account Set-Up Fee (One-time)	$0
Additional Card Fee (Annually)	$20.00
Program Fee (One-time)	$0
Foreign Currency Transaction Fee	3%

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:
Your initial credit limit will be equal to your security deposit account of at least $200 and up to a maximum of $5,000.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER(R) Bank product.

Expert Review:

Secured Cards

Applied Bank® Secured Visa® Gold Credit Card

Public Savings Secured Visa® Credit Card

Applied Bank® National Express Secured Visa® Credit Card

Platinum Zero™ Secured Visa® Credit Card

Applied Bank® Secured Visa® Credit Card

First PREMIER® Bank Secured Credit Card

Centennial® Secured Credit Card