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PCB Secured Visa® Credit Card

Cory Santos

| Last updated on October 24th, 2023


Please note that this credit card offer is currently unavailable. To view more credit card options like this one, please click the link below. 

At a Glance

The PCB Secured Visa® Credit Card allows you to raise your credit score with a low APR and a chance to increase your credit limit. From Dakotas-based Plains Commerce Bank, the card is ideal for those looking to rebuild their credit, as well as those new to credit entirely.

Ideal for Those Who:

  • Want to rebuild or establish a positive credit history
  • Plan to use their secured card responsibly
  • Want 24/7 online account management and regular reporting to all the major credit bureaus
  • Don’t want to sacrifice style as they repair their credit

PCB Secured Visa® Credit Card Review

Repairing damaged credit is tricky. Equally daunting is attempting to establish a credit history for the first time. Plains Commerce Bank (PCB) understands the difficulties millions of Americans face when it comes to receiving credit cards. That’s why it offers the PCB Secured Visa® as an ideal credit repair tool.

Plains Commerce Bank isn’t the biggest name in banking, but it has a proud history of service in the local South and North Dakota communities – where it enjoys a large presence. PCB now extends that track record nationwide with the PCB Secured Visa card.

PCB Secured Visa Deposit Requirements

Secured cards are like any other credit card: they provide flexibility when paying, offer fraud protection, and help you establish a positive credit history with on-time payments. The only difference between a secured credit card and an unsecured card is that secured cards require an upfront collateral deposit.

The collateral deposit becomes the credit limit on the PCB Secured Visa card. Choose between $200 and $1,000. While the $1,000 is on the lower end of the secured card deposit maximums, PCB allows cardholders to increase their deposit to a maximum of $5,000 after their first year (subject to credit approval and additional collateral deposits).

Build a Positive Credit History with Responsible Use

Because secured cards require a deposit, they are much easier to obtain than an unsecured credit card. For this reason, secured cards are the ideal way to repair damaged credit scores or establish a good credit history for the first time.

Since the PCB Secured Visa reports monthly to all three major credit bureaus – Experian, Equifax, and TransUnion – responsible use of the card is essential. “Responsible use” means purchasing only what you can afford to pay off right away and ensuring you at least pay the minimum due on your card statement each month – and on time.

Fixed-Rate APR

The PCB Secured Visa features a fixed APR. That rate positions the card very favorably in the secured card marketplace since others typically have higher rates.

Modest Annual Fee

Like other cards in the market, the PCB Secured Visa features an annual fee. However, this charge is moderate for a secured card.

Other Card Features

Other noteworthy features of the PCB Secured Visa include:

  • 24/7 online account management
  • A slick, stylish vertical card design
  • Visa Classic credit card protections, including Cardholder Inquiry Services, Visa Zero Fraud Liability, Emergency Card Replacement, and more.

Like other card issuers, Plains Community Bank has some restrictions on its PCB Secured Visa Card. The card is not available to those who reside in Wisconsin, for instance. Additionally, Alabama residents must be 19 years or older to apply, while Mississippi residents must be at least 21. All other applicants must be 18 years or older to apply. For all the details and restrictions, remember to review the card’s terms and conditions.

PCB Secured Visa® Credit Card Ratings

How does the PCB Card stack up? Here are a selection of expert reviews for the card:


TrustPilot Rating


User Rating


User Testimonials

What is the PCB Secured visa Credit Card like to live with? Before deciding if the card is right for you, here’s what our readers and members think about the card:

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Great card. I really enjoy the fact that I was able to get this one to help rebuild my credit. It has helped my credit in no time.

Should You Apply for the PCB Secured Visa® Credit Card?

The PCB Secured Visa is an attractive secured credit card option for those looking to establish (or re-establish) a positive credit history.

The fixed-rate APR makes carry a balance possible, though paying as much as you can each month is the fastest way to rebuild a bad credit score. The additions of regular reporting to all the major credit bureaus, a modest annual fee, and Plains Commerce Bank’s helpful customer service make for a great combination when setting off on a credit repair journey. And the attractive card design certainly helps, too.

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