Secured Credit Card
Purchase APR 21.95%, variable.
- Annual fee
- Issuer documentassets.contentstack.io · PDF
The source states this figure; we have no exact sentence on file yet.
- Purchase APR
- Issuer documentassets.contentstack.io · PDF
“21.95% Your APR will vary with the market based on the Prime Rate.*”
- Foreign transaction fee
- Issuer documentassets.contentstack.io · PDF
The source states this figure; we have no exact sentence on file yet.
We don't earn anything from this link. Select any underlined figure to see where it comes from.
What it's worth
| Spending | First year | After |
|---|---|---|
| Light spender | −$35 | −$35 |
| Typical spender | −$35 | −$35 |
| Heavy spender | −$35 | −$35 |
The spending each assumes, a month
- Light spender: groceries $300, dining $100, gas $100, everything else $500
- Typical spender: groceries $600, dining $300, gas $200, travel $150, everything else $1,250
- Heavy spender: groceries $900, dining $600, gas $300, travel $600, airfare $300, hotels $300, everything else $2,500
Estimates from the published terms above, as checked Oct 4, 2026; not advice. How we value cards
How it compares
- Lower top APR than about 65% of the 577 cards we track.
Shares rounded to 5 points. Fees and APRs as stated; value for our typical spender. Method
Rates and fees
| Annual fee | Issuer documentassets.contentstack.io · PDF The source states this figure; we have no exact sentence on file yet. |
|---|---|
| Purchase APR | Issuer documentassets.contentstack.io · PDF “21.95% Your APR will vary with the market based on the Prime Rate.*” |
| Cash advance APR | Issuer documentassets.contentstack.io · PDF “APR for Cash Advances 26.95% Your APR will vary with the market based on the Prime Rate.*” |
| Cash advance fee | Issuer documentassets.contentstack.io · PDF “Either $10 or 4% of the amount advanced, whichever is greater.” |
| Late payment | Issuer documentassets.contentstack.io · PDF “Up to $40” |
| Returned payment | Issuer documentassets.contentstack.io · PDF “Up to $40” |
| Foreign transactions | Issuer documentassets.contentstack.io · PDF The source states this figure; we have no exact sentence on file yet. |
| Grace period | Issuer documentassets.contentstack.io · PDF “Paying Interest Your Payment Due Date is at least 25 days after the close of each Billing” |
| Minimum interest charge | Issuer documentassets.contentstack.io · PDF “Minimum Interest Charge If you are charged interest, the charge will be no less than $1.00” |
Carrying a balance? See how long it takes to pay off
Questions
- What is the annual fee?
- $36 the first year. Billed $3 dollars per month thereafter. assets.contentstack.io · PDF, since Sep 29, 2026
- Does it charge a foreign transaction fee?
- No. assets.contentstack.io · PDF, since Sep 29, 2026
- What is the purchase APR?
- 21.95% APR assets.contentstack.io · PDF, since Sep 29, 2026