Platinum Zero® Secured Visa® Credit Card from Applied Bank®
We're sorry, but this offer may have been discontinued and may no longer be available to new applicants. Below is the card's latest information according to our records from when it was last available to new applicants through this website.
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- Minimum Credit Required:
Limited History, Bad - Network: VISA
- Online Response:Yes
- Secured Credit Card:Min Deposit of $500
- Secured Credit Card / Min Deposit of $500
- 0% FIXED APR on Purchases - This is NOT an Intro Rate!
- Your 0% Rate Won't Change - Even If You're Late!
- Monthly Credit Bureau Reporting to Two Credit Bureaus.
| Annual Fee None |
Monthly Fee $9.95 |
One-time Fees None |
| Purchase Rate 0% Fixed |
Grace Period 0 days |
| Cash Advance Rate 9.99% |
Cash Advance Fee 5% (min $5) |
Max Late Fee  Up to $35 |
Max Overlimit Fee None |
Max Penalty APR None |
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Before applying for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences related to the Platinum Zero® Secured Visa® Credit Card from Applied Bank® shown on this page.
The card information shown on this page was last updated: May 24th, 2013 at 9:37 EDT
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Platinum Zero Secured Visa Credit Card is great for anyone whose trying to build credit, they have none. The network is Visa so it’s accepted basically everywhere. You can apply online and minimum is $500 deposit. I just love this, because when I didn’t have any credit at all, this help me to build it. No annual fee, the monthly fee is low $9.95. If you late your rate won’t change. Now the penalities are up there but what can you expect. Other than that, this card would be very suitable for college students or just someone fresh starting out.
February 1, 2013 at 07:07pm
I applied for this card back when I was in college and I was trying to build up my credit. It's a good card overall. I didn't have credit back then and needed something to help me build my credit. This was my first choice because it looked good with no annual fee and credit limit of $500. The staff was pretty good towards me and helped me with application process. I paid everything on time and they reported to credit bureau so my credit was good in record. I was able to purchase a car when I got the job because of this credit card. I didn't have any other bill when I was in college so this card worked as a debt which I paid off on time. Very good card if you are college student and just starting to build your credit.
October 24, 2012 at 02:23pm
The platinum Zero Secured Visa Card was my first credit card and arguable to best on the market, with absolutely no annual fees and zero percent APR. The customer service center, in my personal opinion, excels in customer satisfaction. After a company tried charging me for fees not specified in a contract I signed with them, customer service did an amazing job at refunding me the money and also making sure I was satisfied with their efforts. Their low fees and great customer support is great advantage to this Visa Card and I would encourage everyone to give them a chance with your business.
September 5, 2012 at 06:04pm
The platinum Zero Secured Visa card is in my opinion the best one out there. Not only is their customer service the best around they also have one of the best give back policies too. They have not only zero percent annual fee but also zero percent APR which is not offered by many credit cards. This is a big plus and should persuade you to look into this card. I had a problem about a week ago with a fee that wasn't suppose to be on my card. I called customer service and they took care of the charge in about 2 minutes. You couldn't ask for a better team of customer reps! All in all this card is my favorite I've had and if you are looking for a card with great customer service and low to no fees then this is the card for you!
July 25, 2012 at 04:37pm
This was my first credit card so I had no credit before. I just graduated from college and haven't been able to find a job. With the random and low paychecks that I get I don't make much money at all. But, I love having this credit card because I know that I can charge it and I'll be able to pay it back when my paycheck comes. The monthly fee is annoying, but it is less than what my bank charged for every negative transaction that I made before I had a credit card. I used to be charged $30 dollars for every one! I am a first time user and I am enjoying it so far.
July 25, 2012 at 03:57pm
This platinum zero card is an okay card to start out on if you have bad credit which is great if you are one of those people who have been turned down multiple times.As well unlike a lot of cards that you can get if you have bad credit there is no annual fee but there is a monthly fee which can be a deterrent because it adds up to be more than most annual fees nearly it is 9.95 a month which comes to nearly 120 dollars but may be easier because of the smaller increments at a time. I really cannot recommend this card unless the smaller incremental fees attract you over the one time annual fee which is often times a less than 9.95 a month for a year. I give this card 2 out of 5.
July 25, 2012 at 02:31pm
Ok, I am going to be completely honest. I signed up for this credit card because I wanted to improve my credit. I am actively trying to improve my credit and thought that obtaining a secured credit card would be one of the best ways to do so. As with anything there are the advantages and disadvantages. I really liked the 0% APR, but my goodness…the fees, the fees, the fees! They were a bit too much to have access to a credit card in my personal opinion. Again, I do have bad credit, but the point of me getting this card was to improve my credit with monthly payments. The numerous fees such as the monthly $9.95 fee. Also, I’m not a big fan of the “revolving balance”. My whole purpose of getting this card was to re-build my credit and I would prefer to simply pay off the balance in full each month. Overall, it is an option for those looking for a secured credit card. However, I have found that there are better credit card options out here—even for people like me with bad credit.
July 18, 2012 at 06:01pm
I applied for this card because I have terrible credit. I had hopes of improving my credit score because this card reports to the major credit bureaus. This card did a great job of sounding like it was a fantastic way to help your credit, until I actually got it and was overwhelmed by all the hidden costs. I ended up chopping this card up. In addition to the high monthly fees, I realized they were only reporting to two of the major credit bureaus. Also, when I asked for an increased credit limit after paying on time and being in good standing for almost a year, the very rude customer service guy told me that I could never change my limit and was stuck at my current limit for as long as I had the card. This along with the terrible customer service gave me no incentive to stay with the company.
June 15, 2012 at 10:41am
This card was great at many gimicks to get you to join them, but then they hit you with fees, and other charges that you end up paying for this line of credit. We are using a different prepaid card that is a lot less expensive and great. We signed up but opted not to get this one because it was less than we bargained for. Buyer beware! However, I do know others who have had successful experiences with this card, however it was not for me.
June 14, 2012 at 07:01pm
Zero APR on Purchase, application fee, fraud liabitliy, no delays in credit reporting and identity theift protection all sound like great advertisements right? In a sense they are. However, this all comes at a fee. So if you are researching for your first credit card this might not be the one for you. You end up paying roughly $120 for a new line of credit. This can actually hurt you more than be an asset. My personal suggestion is to work with a debit card instead of a credit card anymore. You have a direct line to what you have already earned, instead of spending up to 25% more than what you have already bargained for.
May 21, 2012 at 10:59pm
Oh, hey, look it’s a secured credit card with a 0% interest rate, awesome! That is the exact reaction a lot of people probably have when they come across the Platinum Zero Secured Visa Credit Card, but whether this card merits unbridled enthusiasm or a closer look is another matter. Ok, compromise, we will look at the Platinum Zero Secured Visa with a cautiously optimistic attitude. Pros - A fixed 0% APR is ridiculous because it means you will never have to worry about interest and can therefore pay above the minimum at your leisure. - The Platinum Secured Visa Card also reports to the major credit bureaus, and while that’s definitely a pro, it’s important to note that all major secured cards do this. Cons - Oh, that’s why the Platinum Secured Visa can afford to give you a fixed 0% APR; it charges you $9.95 per month, which would be hard to justify paying. - It requires a $500 minimum deposit, $300 more than a standard secured card. - It encourages you to revolve a balance and since you don’t want to always be stuck using the Platinum Zero Secured Credit Card, this is not a habit you want to get into. I’m not a big fan of this card overall. I just think you’d do better getting a secured card with lower fees and getting in the habit of paying your bill completely at the end of the month. This will be invaluable when you build up your credit and are exposed to cards with attractive rewards and high credit lines.
March 27, 2012 at 09:42pm
The Platinum Zero Secured Visa Credit Card is one of the cards that most clearly shows how credit card companies operate and how people think. Credit card companies know that people are attracted to credit cards offering “zero” anything, zero annual fee, 0% APR, no foreign fee, etc., so they offer such terms but this does not necessarily mean that their offers are as good as they might appear. Often in exchange for bottoming out in one category, credit card companies raise rates or fees in other areas. The Visa Platinum Secured Credit Card has a 0% APR, yes, but it also has a $9.95 monthly fee, which equates to $119.40 per year. That’s equivalent to someone revolving a $500 balance for the entire year on a card with a 23.9% APR. The Platinum Zero Secured Visa Card is therefore only a good option for someone who plans on putting down a really high security deposit (at least $1,500) and revolving a high balance for basically the entire year (at least $1,500 as well) – a small business owner perhaps. For example, if you were to revolve a $3,000 balance on another business credit card, you’d need a 4% APR to limit your interest costs to $119 per year (119/3k = 4%), and you’re not going to get an APR that low. Keep in mind though the maximum deposit allowed with the Platinum Zero Secured Card is $5,000. However, if you need a secured card, and will be able to pay your balance in full every month OR not using the card at all (just having it for credit reporting purposes) OR will be revolving a balance less than $1,500 on a consistent basis, the Platinum Zero Visa is an expensive option. You won’t be saving enough in finance charges to warrant paying the high monthly fee.
January 16, 2012 at 05:35pm