Applied Bank® Unsecured Classic Visa® Card
Applied Bank® Unsecured Classic Visa® Card
Applied Bank® Unsecured Classic Visa® Card
- 29.99% Regular Purchase APR
- 29.99% Cash Advance APR
At a Glance
The Applied Bank® Unsecured Classic Visa® Card is a credit card designed to help you build your credit score. The card from Applied Bank does not require good credit for approval and offers the perks and protections of a true Visa credit card.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Get pre-qualified in less than a minute
- A $300 unsecured credit line which can be used at grocery stores, gas stations, discount stores, ATMs and online
- A real Visa® credit card with automatic reporting to all three national credit bureaus
- No penalty rate. Your rate wo't go up even if you are late
- Access additional credit with on-time payments and responsible usage
- A true unsecured EMV enabled (chip) Visa Credit card
- Does not require perfect credit for approval
- Fixed APR and manageable monthly payments
- Regular Purchase APR: 29.99%
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: See website for details*
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- You're looking to build your credit
- You want a card that regularly reports to all three major credit bureaus
- You don’t want to pay a security deposit for a secured card
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Applied Bank® Secured Visa® Gold Preferred® Credit Card
- 9.99% Fixed Rate Regular Purchase APR
- 9.99% Fixed Rate Cash Advance APR
At a Glance
The Applied Bank® Secured Visa® Gold Preferred® Card offers those with limited credit history or a poor credit score the chance to receive a full-fledged Visa card without the need for a credit check. The card also boasts and impressively low fixed APR on purchases and cash advances – all for the modest annual fee of $48.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000
- Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
- Regular Purchase APR: 9.99% Fixed Rate
- Cash Advance APR: 9.99% Fixed Rate
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $48
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- Minimum Deposit Required: $200
- You have bad credit, limited credit, or no credit history at all
- You want a card that automatically reports to all the major credit bureaus
- You are tired of spending money on reloadable prepaid cards
- You can make a minimum deposit of at least $200
About Applied Bank
Applied Bank is a Delaware-based financial institution that dates to 1996. The bank provides personal and business banking solutions – including Mastercard credit cards.
History and Locations
Applied Bank traces its roots to 1996 when it first started offering credit cards to customers – regardless of their past credit history. Today, the bank provides far more than credit-builder credit cards (though this is still the product for which it is most famous).
Applied Bank offers a range of personal banking products and services, such as rewards checking, rewards checking for 50+, personal money market accounts, and savings. The bank also provides business banking solutions, including business banking, checking, and money market accounts.
Despite having only two locations, Applied Bank is consistently rated as one of America’s best banks for consumer safety, security, and satisfaction. Those branches are at the following locations:
- Rehoboth Beach, DE
- 37012 Country Club Road
- Wilmington, DE (Headquarters)
- 2200 Concord Pike
Applied Bank Credit Cards
Applied Bank currently offers two credit cards: The Unsecured Classic Visa® and Secured Visa® Gold Preferred® Card. Both cards are specifically geared towards people with bad credit, no credit, or challenging credit histories.
Applied Bank’s long history of lending to people seeking to build credit makes both cards excellent options to consider. For example, the secured card features an exceptional 9.99% purchase APR – one of the lowest interest rates in the country.
All Applied Bank credit cards feature the Visa payment network and monthly reporting to the three major credit bureaus: TransUnion, Experian, and Equifax. All cards also have EMV chip technology for added security and a fast and easy application process.
Frequently Asked Questions about Applied Bank
Here are answers to some commonly asked questions about Applied:
- Applied’s ABA Routing Number is 031100966
- To contact banking and credit card customer service, call Applied at 1-800-947-1090
- Yes. The bank dates to 1996 and specializes in a wide array of banking and credit card products.
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