Applied Bank Secured Visa Gold

By Raquel Oliveira • 03/29/2025

Applied Bank Secured is perfect for those who want many benefits and enjoy all related advantages.

For many individuals, getting approved for a credit card can be difficult, especially for those with limited or poor credit history. Secured credit cards offer a practical solution, providing financial flexibility while helping to build credit.

The Applied Bank Secured Visa Gold is designed for those facing credit approval challenges. It offers access to a reliable credit line, enabling users to rebuild their financial profile while maintaining control over their expenses.

With an easy approval process and a structure focused on credit improvement, this card is an excellent option for individuals looking to establish or restore their credit standing.

If you’re seeking a straightforward way to build credit, the Applied Bank Secured Visa Gold stands out as a strong, dependable choice worth considering.

Applied Bank Guaranteed Visa Gold: Build your credit with confidence. 

Applied Bank Secured Visa Gold is the ideal partner for those looking to improve their credit score in a practical and affordable way.  Our simplified approval process aims to give you the peace of mind you need while building a stronger financial future.

Competitive fixed interest rates allow you to control your financial costs. This card is perfect for those who want simplicity and efficiency without worrying about variable rates or complex rewards programs.

If you’re looking for a reliable card to start or restart your financial journey, the Applied Bank Secured Visa Gold is your safe choice.

Pros and cons

Pros

• Approved without a credit check, making it easy to access even for beginners and people with bad credit.
• Fixed and competitive interest rates to avoid surprises when you need them.
• Effective credit building tool with reports to the main credit agencies.

Cons

• Deposit required, which may be the first hurdle for some.
• No rewards or cashback programs available. 
• Annual fee is $4,444, which can be high compared to other similar cards.

How do I know if Applied Bank Secured Visa Gold Is the best card for me?

If you want to start your financial journey or rebuild your credit, the Applied Bank Secured Visa Gold could be a great option. It provides a cost-effective way to demonstrate financial responsibility while building a good credit history.

This card is especially useful for people with credit problems because it doesn’t require a rigorous analysis for approval. In addition, the interest rates are clear and predictable, allowing for better financial planning.

However, if you already have good credit and are looking for additional advantages, such as perks and loyalty programs, other options may be better suited to your needs.

Why Do We Like This Card?

This card stands out as an excellent choice for those who value exclusive perks and are willing to invest in a premium experience. One of its most attractive features is its competitive APR for qualifying finance purchases, which varies based on the owner’s credit profile. 

For individuals with strong credit scores, the APR can be particularly favorable, making it a viable option for larger purchases or financing needs.

While the annual fee is on the higher side—typically above $695 (subject to market variations)—the extensive credits and benefits offered often justify this cost for frequent users.

While some versions of the card provide exemptions, others may include international transaction fees, which could be a consideration for globetrotters.

Conclusion for Applied Bank Secured Visa Gold

The Applied Bank Secured Visa Gold is an excellent choice for individuals who need a credit-building tool with no credit check and easy approval. Designed for those looking to establish or rebuild credit, it provides a structured pathway to financial improvement.

Although it lacks rewards and has associated fees, its credit reporting and accessible application process make it a great fit for those with limited or damaged credit histories.

By using this card responsibly, users can improve their credit scores and eventually qualify for better financial products.

If you are in need of a credit-building solution with flexible deposit options and a simple application process, the Applied Bank Secured Visa Gold is one of the most reliable choices available.