Finder is committed to editorial independence. While we receive compensation when you click links to partners, they do not influence our content.

PCB Secured Visa® review

Last updated:  

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.

$39

Annual fee

18.9%

Purchase APR (fixed)

300

Recommended credit score

Details

Annual fee$39
Welcome OfferN/A
RewardsN/A
Purchase APR18.9% fixed
Balance transfer APRN/A
Recommended minimum credit score300
IssuerVisa
Avatar

Review by


Kliment Dukovski is a credit cards writer. He's written over 600 articles to help readers find and compare the best credit cards. Kliment has also written on money transfers, home loans and more. Previously, he ghostwrote guides and articles on foreign exchange, stock market trading and cryptocurrencies.

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. Click 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

Name Product Filter values Minimum deposit required Purchase APR Annual fee Recommended minimum credit score
Citi® Secured Mastercard®
Starting at $200
22.49% variable
$0
New to credit
A no annual fee secured card for people who are new to credit or have limited credit history.
Self Visa® Credit Card
Starting at $100
21.74% variable
$25
300
Build your credit with a low minimum security deposit of $100 and no credit score required.
Surge Secured Mastercard®
Starting at $300
19.99% variable
$69
Earn 1% cash back rewards.
loading

Compare up to 4 providers

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.

Ask an expert

You are about to post a question on finder.com:

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • finder.com is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our finder.com Terms of Use and Privacy and Cookies Policy.
Go to site