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Consumer (Secured) Card Offer from Applied Bank®.

Basic Information

  • ZERO - 0% FIXED APR on Purchases - No Intro Rates!
  • ZERO - 0% Rate Won't Change - Even If You're Late!
  • ZERO Hassles - Choose Your Credit Limit From $500 Up To $5,000
  • ZERO Application Fees
  • ZERO Worries - FREE Personal ID Theft Protection
  • ZERO Delays - Timely CREDIT Bureau Reporting

N/A* Intro APR

N/A*Intro APR Period

Bad Credit OK*Credit Needed

None*Grace Period

Up to $35*Late Payment Fee

APR: 0.00%* Fixed
Card Network:VISA®
Card Type:- Card for Bad Credit
- Low Interest Credit Card

Card Review

Product Rating:
Ratings (4.5 out of 5)

The Platinum Zero Secured Visa Card is a secured credit card for individuals with below average credit. By taking advantage of the cards features (no APR on purchases and credit bureau reporting), cardholders can seek to develop better credit worthiness ratings over time.

Visa provides zero fraud liability covering all cardholders to ensure those who fall victim to fraud and unauthorized transactions are not liable. Another card feature known as Personal ID Theft protection is also provided at no extra cost.

This card does not charge an application fee. You simply open an account by depositing a sum into the FDIC insured account. Deposit amounts equal your credit limit. To increase your credit limit you can increase your deposited amount to a maximum $5,000.

Apply through the simple application form.

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: 0.00%* Fixed
Annual Fee:See Terms*
Minimum Credit Line:$500
Maximum Credit Line:$5,000

Balance Transfers

Balance Transfer:No*

Cash Advances

APR on Cash Advances:9.99%
Cash Advance Fee:5.00%
Minimum Fee:$5.00

Other Fees

Additional Fees: - Late Fee: up to $35
- Overlimit: up to $35
- Returned Payment: up to $35
- Dishonored Check: up to $35
- Foreign Currency Transaction Fee: 1% of any transaction made in a foreign currency
- Monthly Maintenance Fee: $9.95 ($119.40 Annually)


The information provided for the Platinum Zero® Secured Visa® Credit Card from Applied Bank is considered to be accurate at the time of posting (Feb 28, 2014). However, we strongly advise site visitors to check the terms and conditions applicable to the product on the card issuers 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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