Platinum Zero® Secured Visa® Credit Card from Applied Bank®

14 Reviews | Write a Review

Offered by: Applied Bank


Purchase Intro Rate 0%*
Purchase Intro Period N/A*
Balance Transfer Intro Rate N/A*
Balance Transfer Intro Period N/A*
Regular APR 0%*
Balance Transfer Rate N/A*
Cash Advance Rate N/A*
Annual Fee See Terms
Late Fee N/A*
Cash Advance Fee N/A*
Balance Transfer Fee N/A*

Platinum Zero® Secured Visa® Credit Card from Applied Bank® features:

  • Choose Your Credit Limit - Simply open an FDIC Insured Deposit Account in your name at Applied Bank
  • Your deposit will secure your new Visa Credit Card with a credit limit equal to the amount of your deposit - from $500 up to a maximum of $5,000
  • Zero - 0% Fixed APR on Purchases - No Intro Rates
  • Zero - 0% Rate Won't Change - Even If You're Late
  • Zero Application Fees
  • Zero Worries - Free Personal ID Theft Protection

Additional Details: Click here for Additional Details (Will launch in a new browser window)

See the online Provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Take Offer" button, you can review the credit card terms and conditions on the provider's website.

These savings are calculated using national averages. Log in to see your own savings!

How We Calculated Your Savings

Credit Karma uses details about your credit card usage and data we have on current credit card offers to calculate how you might save money. These calculations are for illustration purposes only.

 

Year 1

Year 2

Year 3

Balance Transfer Cost info Fees charged by the credit card company to transfer balances. Usually charged as a percent of the balance transfer amount.

$0

$0

$0

Interest Savings on Transferred Balance info Difference between the interest charged on your existing credit card(s) and the interest charged on this card with the same balance.

$0

$0

$0

Interest Savings on New Purchases info Difference between the interest charged for new purchases on your existing credit card(s) and the interest charged on this card.

$0

$0

$0

Value of Rewards on New Purchases info Difference between the rewards (normalized to dollar amounts) from the purchases on your existing credit card(s) and this card.

$0

$0

$0

Value of Bonus Points info Bonuses provided by the card for either application or usage. Bonus in the form of either miles or points are converted to dollar amounts.

$0

$0

$0

Annual & Application Fees info Sum of the fixed fees associated with the card. The fees are charged regardless of card usage.

-$119

-$119

-$119
 
Savings:
Total Annual Savings

-$119

-$119

-$119
Total Savings over 3 Years

-$358

*Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers.

Reviews

Most Recent Reviews

i didnt even get past the rude customer service lady - thank god i found this site and read the write ups as i was going to apply ...

Anonymous 2 months ago

I have had Applied Bank secured platinum visa for 2 months now. They have reported to all (3) bureau's even though they do not say they report to all three. They say they report to the credit bureaus. Also, I really like being able to make a payment with my checkcard and the balance updating the very next day. This is by far the best card I have ever had. $9.95/month (no problem)...what a deal!!! No annual fee, no interest on my own money! What more could you ask for? 

Anonymous 10 months ago

U Update to my previous post.  I have now made 8 payments of $50 each in the last 7 months, my total balance is now $179 on a $300 credit limit (lots of fees), and Applied Bank still continues to screw me.  They report me as 1-2 payments behind on my credit reports, demand two payments now, and want one of those payments to be $159, or about 88% of my total balance. They hound me constantly on the telephone and have ruined my credit even more simply because I had to skip one payment 8 months ago due to hardship.  They have no way of sending a message to them via your website login, list no correspondance address, and make sure that the only way you can contact them is via telephone, where you can't make a record of the contact without breaking the law.  And, just to add insult to injury, if you call them, its not toll-free....you have to pay to call a long distance number. I can't wait to pay off this card, close my accound, and take that Wells Fargo Secured card offer for only $18 a year!!!  Avoid these loan sharks at all costs!!!

JDinFL 1 year ago

I have this card I swalled the $259 bullet and got the card thinking as long as it reports to all three beuroes it will be good. But guess what it only report two and not to equifax. second you cannot increase your secured credit limit.

KashifMovania 1 year ago

I remember there being many more reviews on this card in the past... anyways, Applied bank now offers unsecured cards. Their site also lists an option to upgrade. In talking with their customer service, secured card customers are never eligible to upgrade to an unsecured account regardless of history. In order to do so, you must apply for the secured card. This offers no incentive to me to keep this card now. No interest is nice, the monthly fee is manageable, but no hope for a better card in the future is dismal. Sorry, Applied bank. Your days with me as a customer are numbered.  

thegary 1 year ago

See all 14 Reviews of Platinum Zero® Secured Visa® Credit Card from Applied Bank®

Write a review of Platinum Zero® Secured Visa® Credit Card from Applied Bank®

Credit Score Approval Data

Ideal for those with Credit:

N/A

AVERAGE Credit Score Approved for this Card

N/A

LOWEST Credit Score Approved for this Card

† Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors such as income and employment status can affect credit card approval, these are only guidelines and approval is not guaranteed.

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