Applied Bank

Applied Bank® Gold Preferred® Secured Visa® Credit Card

Nationwide

Availability

Review details with the company before applying

APRs change over time and are specific to the applicant. Check rates before applying.

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Did you know: This card is from a small bank, which often offer lower interest rates and could save you hundreds of dollars per year.

This is a secured card

You may have to pay a security deposit to open and use this card and will only be able to make purchases or get cash advances up to the amount of that deposit.

Purchase interest rate and fees

9.99%*

*As of Jun. 30, 2024. Advertised purchase APRs change over time. Check rates before applying.

Here are typical APRs for different credit scores for this card:

Credit score	Median purchase APR	Comparison to other cards
619 or less	9.99%	1 dollar sign symbol Pay less interest
620-719	9.99%	1 dollar sign symbol Pay less interest
720+	9.99%	1 dollar sign symbol Pay less interest

After opening the credit card, the purchase APR is fixed, meaning it will not go up or down with changes to an index, but it may still change. Learn more about APRs in general and about fixed versus variable APRs.

Foreign transaction fee: 3% of each purchase
Minimum finance charge: A minimum interest payment of $0.50 is required to avoid additional fees
Grace period: None, interest begins accruing on purchases immediately
Balance computation method: Monthly interest is calculated based on your average daily balance including new purchases

Learn more about how credit card interest is calculated.

Fees

$48

Late fee: $27 for the first late payment and $38 for a late payment within six billing cycles of another late payment
Over-limit fee: None
Returned Payment Fee: $38 (Fee charged Up to $38 if payments are returned unpaid.)
Optional Payment Fee: $12.95 (Charged for each same day payment made using a live Customer Service representative)
Reinstatement Fee: $50 (Charged when Customer requests to reinstate a closed account)
Payment Protection Plus Fee: $0.95 (Optional Benefit Fee - Billed Monthly at a rate of $0.95 cents per every $100 of the monthly outstanding account balance. Optional payment protection program that makes minimum payments during difficult times.)
Applied Advantage Membership Fee: $39.95 (Optional Benefit Fee - billed annually - Optional Membership program offering access to discounts on purchases (Restaurants, Shopping and Travel))

Rewards and perks

This card does not offer cash back, travel, or other rewards.

Services

Applied Advantage Membership (Optional with Fee) and Payment Protection Plus (Optional with Fee)

Card features

Contactless Payments
Chip card

Balance transfer interest rate and fees

This card does not offer balance transfers.

Cash advance interest rate and fees

9.99%*

5% ($5 minimum)

*As of Jun. 30, 2024. Advertised cash advance APRs change over time. Check rates before applying.

The cash advance fee is charged for each cash advance.

Did you know: If you use your card to transfer a balance or get a cash advance, you may have to start paying interest on some or all of your total balance, including new purchases, as of the date of the transaction.