PCB Secured Visa – How to apply

By Raquel Oliveira • 03/18/2025

PCB Secured Visa Repairing damaged credit can be a challenging.

Plains Commerce Bank (PCB) recognizes the challenges of building credit and provides the PCB Secured Visa as a practical solution. This card helps individuals establish or rebuild their financial history with a structured approach.

By requiring an initial deposit, the PCB Secured Visa ensures accessibility while encouraging responsible credit use. This deposit acts as a guarantee, allowing users to make transactions and prove their creditworthiness over time through consistent, on-time payments.

With transparent terms and international acceptance, this card offers the flexibility of a traditional credit card. It is designed for those who have faced financial obstacles and need a reliable way to improve their credit standing.

Expanding its financial solutions, PCB empowers individuals to regain control of their financial future. By using this card wisely, cardholders can build a stronger credit profile and open doors to better financial opportunities.

How does the PCB Card work?

The core concept of the PSB card is that you make an initial deposit, which serves as collateral for your credit limit. This credit limit can be used to make purchases, pay bills and other day-to-day transactions. 

After deposit, Plains Commerce Bank will report its activities to the three major credit bureaus — Equifax, Experian and TransUnion — which helps in building or recovering your credit history.

The regular payment process is essential to ensure your credit history is positively impacted. By making payments on time, the bank demonstrates its commitment to maintaining financial health, which results in a gradual improvement in your credit score. 

It is important to highlight that, although it’s a secured card, its use offers the opportunity to build a robust credit history. This can be an essential step for anyone who wants to access other types of credit in the future.

Main benefits of PCB Secured Credit Card Visa

The PCB Secured credit card Visa offers some important benefits that make it an excellent option for those looking to improve their credit in a safe and structured way. 

The main benefit is the opportunity to rebuild credit. By making regular and punctual payments, you can improve your credit score, as the bank reports your activities to the three credit bureaus. 

Another relevant benefit is the ease of global access. The PCB View is accepted by a wide network of merchants both inside and outside the United States. 

Furthermore, the bank exempts the international transaction fee during the first year, which can represent significant savings for those planning to travel.

Cons of PCB Secured 

One of the disadvantages associated with the card is the need to make an initial deposit to guarantee your credit limit. This can be an obstacle for people who do not have sufficient resources to make this payment. 

The minimum deposit amount required is relatively affordable, but it can still be a challenge for some. Furthermore, the $39 annual fee can be a downside for those just starting to build credit and may need all the resources available at first. 

Another point to consider is that the PSB card does not offer benefits such as rewards programs, cashback or other incentives that other credit cards may provide. 

APR and Fees

The cash advance fee is waived for the first year, which can be a big advantage for anyone who needs cash advances. 

After the first year, the advance fee will be 5% or US$5, whichever is greater, making it more affordable than many other cards that charge higher fees for down payments.

With regard to international transaction fees, the card offers a head start. During the first year, this fee is waived, which is excellent for those who plan to travel or shop on international websites. 

A $39 annual fee It’s a point to be considered, but it’s quite common among guaranteed cards. Since this fee is deducted from the deposit, it does not represent a direct additional cost, but it does affect your available credit limit. 

How to apply for the PCB Secured Credit Card Visa

To request the PCB Secured credit card Visa, you will need to go to the Plains Commerce Bank website and fill out the application form. 

During the process, you will be asked to provide some personal information such as your name, address, contact information and the amount you wish to deposit as collateral.

After filling out the form, the bank will ask you to make the initial deposit. This deposit is what will guarantee your credit limit and will be deducted according to your choice. 

Conclusion

The PCB Secured Visa is an excellent option for those looking to build or rebuild their credit history in a structured way. With an initial deposit serving as collateral, it provides a secure path to financial growth.

One of the key advantages of this card is its regular reporting to the three major credit bureaus. By making timely payments, cardholders can gradually enhance their credit profiles. This can open doors to more favorable financial products in the future.

Additionally, the global acceptance of this card ensures flexibility in transactions, whether for everyday purchases or travel-related expenses. The waived international transaction fee during the first year further enhances its appeal.

While the initial deposit and annual fee may be drawbacks for some, the overall benefits outweigh these costs. The PCB Secured Visa is a transparent and reliable option for individuals seeking a second chance at financial independence. Apply now and get benefits.