Applied Bank

Applied Bank is a Delaware-based bank that provides credit cards for people seeking to rebuild their credit. Browse credit card offers from our partners below:

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Applied Bank® Unsecured Classic Visa® Card

Fixed APR and Manageable Monthly Payments

Applied Bank® Unsecured Classic Visa® Card
  • Regular Purchase APR 29.99%
  • Cash Advance APR 29.99%
  • Annual Fee See website for details*
  • Credit Needed Poor
  • Processing Network Visa
Best Benefits
  • Reports to all three major credit bureaus
  • Access additional credit with on-time payments and responsible usage
  • A true unsecured EMV enabled (chip) Visa credit card
  • Quick & easy approval in less than 60 seconds
  • No penalty rate. Your rate won't go up even if you are late
  • Does not require perfect credit for approval
Rates & Fees
  • Regular Purchase APR: 29.99%
  • Cash Advance APR: 29.99%
  • Cash Advance Transaction Fee: Either $10 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: See website for details*
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $38
  • Return Payment Penalty Fee: Up to $38
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Applied Bank Secured Visa® Gold Preferred® Card

No Credit Check or Minimum Credit Score Required

Applied Bank Secured Visa® Gold Preferred® Card
  • Regular Purchase APR 9.99%
  • Cash Advance APR 9.99%
  • Annual Fee $48
  • Credit Needed Poor , No Credit Required
  • Processing Network Visa
Best Benefits
  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR – Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit – Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Rates & Fees
  • Regular Purchase APR: 9.99%
  • Cash Advance APR: 9.99%
  • Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
  • Annual Fee: $48
  • Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
  • Late Payment Penalty Fee: Up to $38
  • Return Payment Penalty Fee: Up to $38
  • Minimum Deposit Required: $200
Credit Card Deals
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Save up to 30% on prescription refills 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
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Buy now, pay later with PayPal. Buckle Offer Expires on Sep 09, 2021 See Details
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Save 20% off sitewide 1800flowers.com Offer Expires on Jul 07, 2022 See Details
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Enjoy free standard shipping when you spend $49+ 1-800-PetMeds Offer Expires on Dec 12, 2022 See Details
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Save 5% at La Quinta Inns & Suites La Quinta Inns & Suites Offer Expires on Dec 12, 2021 See Details
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Get 10% off when you book online GO Shuttle Offer Expires on Oct 10, 2021 See Details
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Save 3% on all purchases Boost Mobile Offer Expires on Jan 01, 2022 See Details
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Rent a Wheels pedal-less E-Bike for safe and efficient Wheels Labs, Inc. Offer Expires on Aug 08, 2021 See Details
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Save 8% on all purchases Godiva Offer Expires on Aug 08, 2021 See Details
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Save 1% on all purchases over $40 Red Robin Offer Expires on Dec 12, 2021 See Details

About Applied Bank

Applied Bank is a Delaware-based financial institution that dates to 1996. The bank provides personal and business banking solutions – including Mastercard credit cards.

History and Locations

Applied Bank traces its roots to 1996 when it first started offering credit cards to customers – regardless of their past credit history. Today, the bank provides far more than credit-builder credit cards (though this is still the product for which it is most famous).

Applied Bank offers a range of personal banking products and services, such as rewards checking, rewards checking for 50+, personal money market accounts, and savings. The bank also provides business banking solutions, including business banking, checking, and money market accounts.

Despite having only two locations, Applied Bank is consistently rated as one of America’s best banks for consumer safety, security, and satisfaction. Those branches are at the following locations:

  • Rehoboth Beach, DE
    • 37012 Country Club Road
  • Wilmington, DE (Headquarters)
    • 2200 Concord Pike

Applied Bank Credit Cards

Applied Bank currently offers two credit cards: The Unsecured Classic Visa® and Secured Visa® Gold Preferred® Card. Both cards are specifically geared towards people with bad credit, no credit, or challenging credit histories.

Applied Bank’s long history of lending to people seeking to build credit makes both cards excellent options to consider. For example, the secured card features an exceptional 9.99% purchase APR – one of the lowest interest rates in the country.

All Applied Bank credit cards feature the Visa payment network and monthly reporting to the three major credit bureaus: TransUnion, Experian, and Equifax. All cards also have EMV chip technology for added security and a fast and easy application process.

Frequently Asked Questions about Applied Bank

Here are answers to some commonly asked questions about Applied:

What is the routing number for Applied Bank?

  • Applied’s ABA Routing Number is 031100966

How can I contact customer services?

  • To contact banking and credit card customer service, call Applied at 1-800-947-1090

Is Applied Bank legitimate?

  • The bank dates to 1996 and specializes in a wide array of banking and credit card products.