Applied Bank® Secured Visa® Gold
Beverly city, MA Residents
The Applied Bank® Secured Visa® Gold is one of the most popular secured cards available to Beverly city residents — and for good reason. Guaranteed approval with any credit history. This detailed review covers approval requirements, real costs, credit-building speed, and the right strategy for getting the most out of it.
Apply for Applied Bank® Secured Visa® Gold →Applied Bank® Secured Visa® Gold — Full Breakdown
What We Like
- ✓Guaranteed approval — truly anyone can apply
- ✓Lowest APR of any secured card at 9.99%
- ✓Accepts bankruptcy history
- ✓Reports to all 3 bureaus
Watch Out For
- ✗Highest annual fee at $48
- ✗Low max credit limit of $1,000
- ✗No rewards
- ✗No path to unsecured
Questions About Applied Bank® Secured Visa® Gold in Beverly city
Does the Applied Bank® Secured Visa® Gold require a credit check for Beverly city applicants?
No — the Applied Bank® Secured Visa® Gold does not run a hard credit check. Approval is based on your deposit and basic identity verification only. Your credit score is not a factor, and applying won't affect your credit report at all.
What is the minimum deposit for the Applied Bank® Secured Visa® Gold in Beverly city?
The minimum security deposit for the Applied Bank® Secured Visa® Gold is $200. Your deposit becomes your credit limit. Most applicants start with $200–$300 — enough to build credit without tying up too much cash.
Can I upgrade from the Applied Bank® Secured Visa® Gold to an unsecured card?
Applied Bank doesn't have a formal upgrade path. The card is best used as a foundation for 12–24 months, after which you can qualify for better unsecured cards elsewhere.
Comparing all options in Beverly city?
See how Applied Bank® Secured Visa® Gold stacks up against every other secured card available to Beverly city residents.
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