Applied Bank Unsecured Classic Visa Card

Consumer (Regular) Card Offer from Applied Bank®.

Basic Information

  • Quick & Easy Approval in Less Than 60 Seconds!
  • Reports to All 3 Major Credit Bureaus
  • No Penalty Rate. Your Rate Won'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
  • 24/7 Online Account Access and Payment Options
  • E-mail Payment reminders help you keep your account in good standing

N/A* Intro APR

N/A*Intro APR Period

Bad Credit OK*Credit Needed

None*Grace Period

Up to $38*Late Payment Fee

APR: 29.99%* Fixed
Card Network:VISA®
Card Type:- Card for Bad Credit
- Instant Decision Card

Card Review

Product Rating:
Ratings (3.5 out of 5)

There's a card that's available to virtually anyone, regardless of credit history. The Applied Bank's Unsecured Classic Visa card is a regular, unsecured credit card featuring the Visa logo, which means that its cardholder can use it anywhere it's accepted – throughout millions of locations worldwide, including online.

An application processing fee is required to pay and the card has an annual fee, which in fact, becomes twice smaller starting from the 2nd year. The credit limit starts from 300 USD and spending is up to you. The card reports to all 3 main credit bureaus.

Since it requires financial responsibility, it is a great card to either begin establishing a credit history. The card has interest rates that never go up, even if you make a late payment. It's a great way to pave the way towards financial responsibility and build your credit.

The review is prepared by staff. Opinions expressed therein are solely those of the reviewer.

Rewards & Benefits

Other Benefits:*See Terms and Conditions of the card
Credit Reporting:Yes

Card Finance & Rates

Introductory APR:N/A*
Introductory Period:N/A*
APR on Purchases: 29.99%* Fixed
Annual Fee:See Terms*
Minimum Credit Line:$300

Balance Transfers

Balance Transfer:No*

Cash Advances

APR on Cash Advances:29.99%
Cash Advance Fee:5.00%
Minimum Fee:$10.00

Other Fees

Additional Fees: - Processing Fee: $89 (One-time Fee paid prior to account opening)
- Annual Fee $75 the first year; after that, $45 annually
- Monthly Maintenance Fee None for the first year; after that, $6.25 per month ($75 annually).
- Additional Card Fee: $30
- Replacement Card Fee: $30
- Copying Charges: $10 per copy
- Fees for Optional Payments: $12.95 for each payment
- Stop Payment Fee: $30
- Automated Account Information Fee: $0.50 for each separate Account inquiry made through our automated account information system
- Credit Limit Increase Fee: $100 (unless you and we otherwise agree)
- Reinstatement Fee: $50
- Foreign Currency Transaction Fee: 3% of each transaction in U.S. dollars.


* The information provided for the Applied Bank® Unsecured Classic Visa® Card is considered to be accurate at the time of posting (Jul 24, 2020). However, we strongly advise site visitors to check the fees, terms and conditions applicable to the product on the card issuer's application page prior to completing an application.

Application Security

Please note that all applications feature secure SSL technology for your online protection.

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