Applied Bank® Unsecured Classic Visa®: Build Credit with Smart Use
- Annual fee
- See website for details*
- Recommended credit
- Poor
- Card network
- Visa
- Regular purchase APR
- 29.99%
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.
Our review of the Applied Bank® Unsecured Classic Visa®
The Applied Bank® Unsecured Classic Visa® Card is a credit card tailored to help individuals build their credit score. This card does not require good credit for approval and provides all the benefits and protections of a true Visa credit card.
How to Get the Card
Applying for the Applied Bank Unsecured Classic Visa is quick and easy, with application decisions typically made in just one minute. This means you can gain access to the credit you need in no time.
Applied Bank Unsecured Visa Benefits
- $300 Initial Credit Limit: While the initial credit limit may seem low at $300, it is standard among similar credit cards.
- Credit Limit Increases: Responsible card usage can lead to credit limit increases over time.
- Fixed APR: The card features a fixed APR of 29.99% on purchases.
- Regular Reporting to Major Credit Bureaus: Timely payments and low credit usage can help improve your credit score.
Other Benefits
- Applied Advantage Program: Cardholders can enjoy exclusive discounts on various products and services with leading brands.
- Visa Benefits: As a Visa cardholder, you can take advantage of Visa’s worldwide acceptance and a range of protections, including Zero Fraud Liability and Emergency Card Replacement.
Comparison
| Card | Applied Bank® Visa® Revvi Card | Avant Card |
|---|---|---|
| Pre-qualify? | Yes | Yes |
| Annual fee | See terms | $75 1st year, $48 after |
| Starting limit | $300 | $300 |
| Rewards | N/A | 1% back on Revvi payments |
Things to Consider
Before applying for the Applied Bank Unsecured Classic Visa, be aware of the various fees associated with the card, including fees for additional cards, replacement cards, credit limit increases, and more. Additionally, there is a one-time processing fee of $89 payable before account opening.
Card features
Benefits as listed on the original card page. They can change; confirm details with the issuer.
- 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
Who this card may suit
- 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
Rates, fees and terms
| Annual Fee | See website for details* |
|---|---|
| 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 |
| 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 |
Confirm before you apply: rates, fees and offers change often. The figures above are the ones listed on the original card page, not a current quote from the issuer. APRs are typically variable, and the rate you receive depends on your creditworthiness. Recommended credit: Poor Credit.
Apply Now for Applied Bank® Unsecured Classic Visa® (opens in a new tab)View issuer terms for Applied Bank® Unsecured Classic Visa® (opens in a new tab)
Applied Bank® Unsecured Classic Visa®
Apply Now for Applied Bank® Unsecured Classic Visa® (opens in a new tab)You will leave this site for the issuer’s page. Confirm current terms there.
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