Applied Bank® Credit Cards

We found 1 Applied Bank® credit cards. Read on to get more insights.

By Hanna Volkava
Updated November 01, 2024

Best Credit Cards in November 2024

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Applied Bank® Secured Visa® Gold Preferred® Credit Card best for 18 year old

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Gold Preferred® Secured Visa® Applied Bank
Annual fee:
$48 annually
Regular APR:
9.99% Fixed
Our Rating:
4.23
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      Applied Bank®
    • Details:

      The Applied Bank® Secured Visa® features a fixed-rate 9.99% APR on purchases.

      The Applied Bank® Gold Preferred® Secured Visa® Card charges several fees in addition to the $48 annual fee. Fees include an up to $38 late payment fee, an up to $38 returned payment fee, a $30 stop payment fee, a $12.95 fee for each optional payment, a $30 fee for additional or replacement cards a $50 reinstatement fee, and a 3% foreign transaction fee.

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    • Pros:
      • Extremely low regular APR
      • No penalty rate
      • Guaranteed approval
      • Increase your credit limit
    • Cons:
      • No rewards system
      • A lot of fees
      • Can’t upgrade to an unsecured credit card
      • No grace period
    • Benefits:
      • Reports to All Three National Credit Bureaus;
      • Zero Fraud Liability;
      • Refundable Security Deposit;
      • Global acceptance;
      • Emergency card replacement and cash disbursement.
    View all Secured Visa® Gold Preferred® Credit Card details
    Apply now
    On Applied Bank®‘s site
    Card detail

    How to Choose the Right Applied Bank® Credit Card?

    Sometimes, choosing the right credit card from a specific credit card company is quite hard. Considering Applied Bank®, there are three steps that will help you.

    First and foremost, you are to figure out your credit score. It varies from "Poor” to “Excellent”, and the higher your score is, the better Applied Bank® credit card offers and terms are available to you.

    Secondly, you have to decide on why you want a Applied Bank® credit card and determine the most crucial aspects your future credit card must have. If you search for a credit card to improve your credit score, look for those with long grace period and no annual fee. If your goal is to avoid spending money on interest, Applied Bank® credit cards with the smallest interest and long intro offer are your best choice. In case you need a credit card that will provide you cash rewards, check the rewards program the Applied Bank® offers.

    Finally, try tocompare the Applied Bank® credit cards you think are the best for you, but taking into consideration all the aspects. Overall, an ideal credit card has the following characteristics: near-zero interest rate, no fees, extended credit limit, and numerous rewards and sign-up bonuses. You can easily compare Applied Bank® credit cards in the table below.

    Side-by-Side Comparison of Applied Bank® Credit Cards

    Card Name APR Annual fee Rewards Intro offer
    Secured Visa® Gold Preferred® Credit Card 9.99% Fixed $48
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Unsecured Classic Visa® Card 29.99% See website for details*
  • This card doesn't offer cash back, miles or points.
  • No current offer.
  • Conclusion

    Applied Bank® has a wide range of credit cards with numerous features, yet it’s important to find the best one for you.

    Hanna VolkavaHanna Volkava

    Financial and product expert

    hv@myfin.us