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PCB Secured Visa® review

For a $39 annual fee, deposit between $200 and $1,000 to act as your credit limit and start building your credit.

  • Get this card if you’re looking to build your credit.
  • Pick something else if you don’t want to pay an annual fee.
  • Apply with a poor credit score or with no credit history.
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Annual fee


Purchase APR (fixed)


Recommended credit score


Annual fee$39
Welcome offerN/A
Purchase APR18.9% fixed
Balance transfer APRN/A
Minimum Credit Score300

Review by

Kliment Dukovski is a cryptocurrency and investments writer who has written over 700 articles to help readers find and compare the best financial options. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange and stock market trading.

Expert review

The PCB Secured Visa® is a credit card designed for building your credit score. Being a secured card means you have to make a deposit from $200 up to $1,000 to act as your credit limit. This is basically a collateral that guarantees you’ll pay your balance. If you want to close your account, PCB will return your deposit as long as you don’t have any outstanding debt.

As far as secured cards go, the PCB Secured Visa® doesn’t stand out much from the crowd; it reports your activity to the three major credit bureaus — Experian, Equifax and TransUnion, which is a must for any credit-building card. Plus, you can increase your credit limit to up to $5,000 from your second year of card membership with additional deposits.

On the downside, the card costs $39 annually. This is in line with most secured credit cards, and it’s a small price to pay for a chance to build your credit.

How to apply for the PCB Secured Visa®

Applying for the card is pretty straightforward. Here’s how to do it:

  1. Go to the provider's site and select Apply now.
  2. Fill out the application form with information such as your name, address, email, SSN and income and expenses.
  3. Review the application and submit.

What credit score do I need

You can apply with any credit score or with no credit history.

PCB Secured Visa® benefits

  • Build your credit. PCB reports your card activity to all three major credit bureaus — Experian, Equifax and TransUnion. Pay your balance on time, and you can build your credit score.
  • Choose your deposit. PCB lets you choose your initial secured deposit starting from $200 up to $1,000.
  • Increase your credit limit. After your first year of card membership, you can increase your credit card limit to up to $5,000. The credit increase is subject to approval and may require additional collateral deposit.
  • Intro cash advance fee. For the first year, you pay a $0 cash advance fee. After the first year, you pay either $5 or 5% fee of the amount, whichever is greater.

What to watch out for

  • Secured card. You have to make a secured deposit of at least $200 to use the card.
  • Annual fee. The card costs $39 annually.
  • Foreign transaction fees. Every transaction made abroad or online with foreign merchants will cost you 1% fee of the amount.

Compare secured credit cards

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Name Product Filter values Minimum deposit required Purchase APR Annual fee Minimum Credit Score
Capital One Platinum Secured Credit Card
$49, $99 or $200
26.99% variable
New to credit
A no-annual-fee secured card that separates itself from the pack with a $200 credit limit after making a more affordable than average deposit of $49, $99 or $200.
Capital One Quicksilver Secured Cash Rewards Credit Card
Starting at $200
26.99% variable
No annual or hidden fees, and you can earn unlimited 1.5% cash back. See if you're approved in seconds.
Sable ONE Secured Credit Card
11.74% variable
New to credit
Build credit while earning cash back and get unsecured in as fast as four months.

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Bottom line

The PCB Secured Visa® is a standard secured credit card that requires a deposit of between $200 and $1,000. It reports to all three major credit bureaus — Experian, Equifax and TransUnion, and it costs $39 annually. If this card isn’t right for you, consider comparing other secured credit cards that can help you build credit.

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