With an easy application and zero fraud liability, this secured card by Applied Bank gives consumers peace of mind. The 12.99% low fixed APR is static – the rate won’t change even if a payment comes in late. Applied Bank Secured Visa credit card members are able to choose their credit limits within a range of $200 to $5,000. Cardholders can start to build credit with this card as well. Applied Bank does monthly credit bureau reporting. This is a genuine, FDIC insured Visa credit card, not a prepaid card or debit card. It is accepted at millions of locations worldwide, from car rentals to restaurants and more. Applied Bank is rated as one of the top 10 Banks in America by Weiss Ratings.