Zero has never sounded better than it does with the Platinum Zero Secured Visa Credit Card from Applied Bank. This card offers 0% fixed APR on purchases (no intro rates), and that 0% rate won’t change, even if you are late. The card also boasts zero hassles, allowing customers to choose their credit limits from $500 up to $5,000. There are no fees to apply for this card either. Applied Bank also gives cardholders “zero worries” by offering free personal ID theft protection. Finally, consumers enjoy zero delays with the issuer’s timely credit bureau reporting. The Platinum Zero card has a cool design, with a platinum silver front with a large “ZERO” printed across. This secured card is accepted at millions of locations worldwide.