This offer is not available in Wisconsin. See offers for your state

Card
Network

Visa
Bank

Plains Commerce Bank
Issuing
Country

United States
User
Category

Consumer
Card
Type

Secured
Credit
Recommended

Bad/No

This offer is not available in Wisconsin. See offers for your state

Interest Rates
Maintenance Fees
Customer Service
Features & Benefits
Reward Program
Card Overall Rating

This offer is not available in Wisconsin. See offers for your state

MAIN CARD FEATURE

Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.

CARD DETAILS

  • Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
  • After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
  • This card is perfect for people new to credit as well as people looking to rebuild their credit
  • Reports monthly to all three major credit bureaus
  • Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
  • 24/7 online account center.
  • A minimum collateral deposit of $200 is required to open this account.
  • This card is issued by Plains Commerce Bank pursuant to a license from Visa U.S.A., Inc.
+ Pros
  • Low fixed APR on purchases.
  • Reports to all three major credit bureaus.
  • Online account access.
- Cons
  • Collateral deposit is required.

PURCHASES

Intro
APR

N/A
Ongoing
APR

18.90% (fixed)
*See Rates and Fees
Penalty
APR

See terms
Minimum Grace
Period

N/A
Minimum Interest
Charge

See terms

BALANCE TRANSFERS

Intro
APR

N/A
Ongoing
APR

N/A
Balance Transfer
Fee

N/A
Penalty
APR

N/A
Minimum Grace
Period

N/A

CASH ADVANCE

Intro
APR

N/A
Ongoing
APR

20.90% (fixed)
Cash Advance
Fee

See terms
Penalty
APR

See terms
Minimum Grace
Period

N/A

GENERAL FEES

Application Processing
Fee

See terms
Annual
Fee

$39.00
Foreign Transaction
Fee

See terms
Late Payment
Fee

Up to $40
Card Overall Rating
APPLY
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