Applied Bank® Unsecured Classic Visa® Card
Fixed APR and Manageable Monthly Payments
- Regular Purchase APR 29.99%
- Cash Advance APR 29.99%
- Annual Fee See website for details*
- Credit Needed Poor
- Processing Network Visa
- 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
- 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® Credit Card
Automatic Reporting to All Three National Credit Bureaus
- Regular Purchase APR 9.99% Fixed
- Cash Advance APR 9.99% Fixed
- Annual Fee $48
- Credit Needed Fair , Poor
- Processing Network Visa
- 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
- Regular Purchase APR: 9.99% Fixed
- Cash Advance APR: 9.99% Fixed
- 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
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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:
- Applied’s ABA Routing Number is 031100966
- To contact banking and credit card customer service, call Applied at 1-800-947-1090
- Yes. The bank dates to 1996 and specializes in a wide array of banking and credit card products.
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We have over 900 credit card reviews to date, covering issuers large and small. We also have extensive credit card news and advice resources, including tips to build your credit score quickly. Browse our reviews, learn from our industry experts, and find your best card today!