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Offered by: Applied Bank

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

  • ZERO - 0% FIXED APR on Purchases - No Intro Rates!
  • ZERO - 0% Rate Won’t Change - Even If You’re Late!
  • ZERO Hassles - Choose Your Credit Limit From $500 Up To $5,000
  • ZERO Application Fees
  • ZERO Worries - FREE Personal ID Theft Protection
  • ZERO Delays - Timely CREDIT Bureau Reporting

Average Approved Score Purchase Intro APR Purchase Regular APR Balance Transfer Intro APR Balance Transfer Regular APR
Typical Low: N/A
Typical High: N/A









* 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 "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

Offer Details:

Cash Advance Rate


Annual Fee

See Terms* *

Late Fee

See Terms*

Cash Advance Fee

See Terms*

Balance Transfer Fee

See Terms*

Saving Details

Saving Details

Year 1

Year 2

Year 3

Balance Transfer Cost




Interest Savings on Transferred Balance




Interest Savings on New Purchases




Value of Rewards on New Purchases




Value of Bonus Points




Annual & Application Fees






Total Annual Savings




Total Savings over 3 Years


Credit Card Usage Profile

Transfer a Balance
  • Balance to Transfer: $2,500
  • Monthly Paydown: $600
  • APR: 21.99%

Earn Rewards

  • $1,000 Monthly Spending
  • $45 Gas
  • $75 Groceries
  • $20 Travel
  • $50 Restaurants
  • $50 Entertainment
  • $760 Other

Establish or Build My Credit

Card Details
  • Annual Fee: See Terms* *
  • Minimum Deposit: $0

Finance a Large Purchase

  • Initial Purchase Amount: $3,000
  • Monthly Paydown: $60
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.

Savings are based on Credit Karma calculations and are not endorsed or commissioned by any advertisers. These calculations are for illustration purposes only. If bonus is included in savings estimate, it is assumed offer qualifications are met.

Note: Sample data consists of Credit Karma members who hold this card.

Compare Holders of This Card

Platinum Zero® Secured Visa® Credit Card from Applied Bank® Cardholder Comparison Coming Soon!

We’re working hard to collect and analyze information about typical cardholders. When we have enough data available, you’ll see charts and statistics about this card, right here on Credit Karma. Check back often for updates!

6 Cardholder Reviews

The following information and reviews are brought to you by Credit Karma and/or its users. Banks, issuers, and credit card companies do not endorse or guarantee, and are not responsible for this content.

Most Recent Reviews

Hate this card! Helpful to 6 out of 6 people

My card was stolen, and I was charged $30 replacement fee.  WHO DOES THAT?  None of my other cards charged me and when I called the person who was rather rude at customer service, I told him I have a police case number to prove it was stolen, he put me on hold forever, seemed more interested in my contact phone numbers and said they would "take care of it".  I asked do you mean "reimburse me?"  He said he would again "take care of it".  I had to drag the word "reimburse" out of him as he seemed dodgy to commit.  I can't even make my payment today online even though this is a new acct number with all the updated info.  And I still don't see the $30 reimbursed fee and now I will need to waste more time on the phone today again to straighten this out and make my payment.  You cannot contact them via email or their website.  You have to CALL THEM DURING BANKING HOURS.  I cannot express enough my hate and regret for ever opening up this card with them.

Apr 04, 2013
customer service SUCKS! Helpful to 3 out of 3 people

I called to apply and the non english speaking person on the phone who obviuosly hates their job acted like I was ruining her day cause I couldn't speak her language or understand her horrible accent ( I meen what a d-bag I tried to speak english in AMERICA! ) so I never even got to apply and when I said can I speak to a supervisor or someone who spoke a little less accented she said they would call me back and hung up on me that was three days ago and no reply yet but I guess that is good now that I took the time to see all the reviews I will try somewhere else hopefully credit karma reads these postings and removes this offer and others like it from their site before they help cards like this destroy what they are portraying to help protect!

halb1234's response was:    

Mar 06, 2013

halb1234(1, 3)

Just my two cents...other options Helpful to 36 out of 37 people

Just from reading the reviews on this website; It appears that the majority of the people who have this card, or have considered applying for it don't fully understand what a secured credit card is. Allow me to clarify a few things...

Unfourtanatly the American economy is no longer built around people spending money that they physically have in their bank account or in their wallet, instead we base our economic well being on our ability to spend money we don't have. Credit card companies are very much aware of this, and will do everything in their power to exploit this flaw in our society. 

 With the way our system is set up now, you  need credit to do just about anything. From buying a cell phone to financing a car, you will need to have a decent FICO score, and at least a 6 month old credit profile. Most people already know that the easiest way to build credit is by using a credit card responsibly. So how exactly does one go about aquiring said card? Well, thats the hard part....

In order to establish a credit profile/improve scores you will need a credit card, but to get a credit card you need a seasoned credit profile/good scores. This is where secured credit cards come in handy. Unlike other companies(Citi, CapitalOne, Chase) they will approve pretty much anyone just so long as they don't have a ton of delinquencies on their account. Because I'm tired of typing, here is a breakdown of what secured cards do, and what they dont:

In conclusion, I think the biggest problem with cards such as this one isn't so much the card itself, nor is the predatory fees and rediculously high interest rates, but it's the people who use them. This card should be seen as a tool used for rebuilding credit, or establishing a credit history. If you apply for this card expecting a generous credit limit, and a tolerable interest rate you will be sorely dissapointed.

Will this card help you to establish, or improve your credit score. Yes.

Are you essentially paying to use your own money? Absolutely.

Predatory Fees? Of course :)

Are there better secured cards to get than this one? Definatly(see below)

If you plan on going the secured card route, there is really only one card that I would reccomend, and thats the CapitalOne Secured Mastercard. I am 20 with absolutely no credit history whatsoever and I was approved with a $50 security deposit, and was given a $200 CL...not bad for my first card. Of course interest is going to be high, but as long as you pay off your balance every month that shouldn't be a problem. Again, so long as you use this card responsibly, and you don't look at it as a free $150 your scores should increase dramatically. Just my two cents.


forrestselix's response was:    

Dec 12, 2012

forrestselix(3, 287)

Use my cash to put into there card....y Helpful to 10 out of 21 people

why would I want to put any cash into there account credit card n pay there fees when ...IF I had the cash in the first place I would pay off the credit card that I already have....STUPID if ya ask me.....daaaaaaaaaaaaaa. 

handson59842's response was:    

Oct 25, 2012

handson59842(1, 10)

† Credit Karma estimates your Approval Odds by comparing your credit profile with data about other members who were approved for this product. Though Approval Odds do not guarantee approval, they can show you which products may be a better fit for you.

‡ Average score refers to the arithmetic mean, typical low score to the 5th percentile and typical high score to the 95th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from November 2014 through April 2015. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.