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Applied Bank® Unsecured Classic Visa® Card

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The Applied Bank Unsecured Classic Visa is an option if you have poor credit, and if you can deal with the small credit line of $300. This card doesn’t offer any rewards or popular benefits, and you’ll be responsible for a number of fees.

Our rating
Min. credit level: Bad
Annual Fee: See Terms
Regular APR: See Terms

Applied Bank® Unsecured Classic Visa® Card

Our rating
Bad Min. credit level
See Terms Annual Fee
Apply Now

Highlights & Features

Balance Transfers

A balance transfer is a way to move credit card debt from one credit card to another with the goal of saving money on interest.

Intro Balance Transfer APR N/A
Regular Balance Transfer APR N/A
Balance Transfer Fee N/A
How to Transfer a Balance on a Credit Card

Fees

Penalty APR N/A
Late Fee Up to $38
Returned Payment Fee Up to $38
Additional Cards Annual Fee N/A
Foreign Transaction Fee 3%
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your credit card is a cash advance. Cash advances usually come with very high fees. Even worse, cash advances can signal to lenders that you’re being irresponsible with money.

Cash Advance APR See Terms
Cash Advance Fee 5%, $10 minimum
How to Get a Cash Advance with a Credit Card
Applied Bank® Unsecured Classic Visa® Card

Highlights

  • Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
  • Reports to All Three Major Credit Bureaus
  • Access Additional Credit with On-Time Payments and Responsible Usage
  • Fixed APR and Manageable Monthly Payments
  • A true Unsecured EMV enabled (chip) Visa Credit card that does not require perfect credit for approval.
ABOUT THE ISSUER

Applied Bank

Manage your Account & Pay your Bill

You can usually pay your bill online on your

Credit card issuer's website

Speak to Customer Service

800-947-1090

The Applied Bank Unsecured Classic Visa card is designed for consumers with bad credit, offering an unsecured way to build a better credit history.

You’ll probably incur a lot of fees using this card; they aren’t small, and they may include:

  • a processing fee to open your account
  • an annual fee
  • a monthly fee after the first year
  • an additional/replacement card fee
  • a reinstatement fee

This card doesn’t offer a grace period for purchases, meaning you’ll start to accrue interest on the same day your card is charged. Typically when you make a purchase with a credit card, you’ll get a grace period after your billing cycle closes before any interest starts to get tacked on, which is a standard feature on cards from popular issuers like Chase, Bank of America, Amex, etc.