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PCB Secured Visa®

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This secured card allows you to build or rebuild your credit, reporting monthly to the three major credit bureaus and offering credit line increases after the first year. You won’t see any rewards or particular benefits, but you can initially deposit $200 to $1,000 and start with a decent credit line.

Our rating
Min. credit level: Limited Credit History
Annual Fee: See Issuer Website
Regular APR: See Issuer Website

PCB Secured Visa®

Our rating
Limited Credit History Min. credit level
See Issuer Website Annual Fee
Apply Now

Highlights & Features

Balance Transfers

A balance transfer is a way to move debt from one 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


Penalty APR N/A
Late Fee See Issuer Website
Returned Payment Fee See Issuer Website
Additional Cards Annual Fee N/A
Foreign Transaction Fee See Issuer Website
Learn About Types of Credit Card Fees

Cash Advances

Borrowing cash on your 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 Issuer Website
Cash Advance Fee See Issuer Website
How to Get a Cash Advance with a Credit Card
PCB Secured Visa®


  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and
    additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit
  • Reports monthly to all three major credit bureaus
  • Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
  • 24/7 online account center.
  • A minimum collateral deposit of $200 is required to open this account.

Plains Commerce 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


The PCB Secured Visa card is designed for consumers trying to build or rebuild their credit, and is about as basic as it can be.

You don’t earn rewards and there are no major benefits. But it does offer a path to better credit. The card reports monthly to the three major credit bureaus and after a year you can request a credit limit increase up to $5,000, though you’ll have to deposit more money into your collateral deposit account if the issuer approves.

Your initial collateral deposit (called a security deposit by some issuers) can be from $200 to $1,000, and your credit limit will match the deposit you make.

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