PCB Secured Visa

In today’s financial world, having a solid credit history is crucial.

Credit Card

PCB Secured Visa

Refundable security deposit Annual fee of $39

Online account management and payment tools

How to Apply You will remain on this website.

Whether you’re looking to buy a car, rent an apartment, or get approved for a mortgage, your credit score plays a central role. 

For those who have limited or damaged credit, the PCB Secured Visa Credit Card offers a dependable way to build or rebuild credit with manageable terms and wide acceptance.

The card is issued by Plains Commerce Bank (PCB), a financial institution with decades of experience. Unlike unsecured credit cards that may be hard to qualify for, this secured option helps consumers establish responsible credit habits while offering the security of a refundable deposit.

It’s an ideal option for individuals who want to regain control of their finances without worrying about harsh approval criteria or being denied for past mistakes. The card works just like a regular Visa and is accepted almost everywhere, giving you the convenience of credit while staying grounded in responsible use.

Deposit-Based Control and Full Visa Functionality

What makes the PCB Secured Visa unique is how it balances structure with flexibility. The required security deposit becomes your credit limit, typically ranging from $200 to $1,000. 

This provides a safe environment for users to control their spending, and the card activity is reported monthly to all three major credit bureaus.

Unlike some secured cards, the PCB Secured Visa does not offer flashy rewards or extras, but it delivers on what truly matters: credit growth. 

With responsible use, it can serve as the first stepping stone toward future financial opportunities, from auto loans to premium credit cards down the line.

The online access portal and mobile-friendly interface allow users to stay in control of their balance, payments, and statements, reinforcing responsible behavior and good financial habits.

Pros and Cons

Pros

• Reports to all 3 major credit bureaus
  
• Full Visa functionality—accepted nationwide
  
• Refundable security deposit
  
• Online account management and payment tools
  
• Ideal for rebuilding or establishing credit
  

Cons

• Requires a minimum security deposit
  
• No rewards or cashback
  
• Annual fee of $39
  
• High APR compared to mainstream cards
  
• No upgrade path to unsecured version
  

How do I know if the PCB Secured Visa Credit Card is the best credit card for me?

If you’re starting your credit journey or trying to recover from past mistakes, the PCB Secured Visa might be the reset button you need. 

It’s especially suited for those who prefer a traditional card experience, simple, secure, and focused on rebuilding credit responsibly.

This card doesn’t come with bells and whistles, but it does provide the core functionality that can make a real difference in your credit score.

If you’re someone who can manage a budget and make consistent payments, this card can help you establish a healthy financial track record.

Just keep in mind that the deposit locks up funds, and the annual fee may be a factor if you’re on a tight budget. But if you view this as a temporary step toward better credit, it could be a very smart investment in your financial future.

Why do we like this card?

We like the PCB Secured Visa because it delivers exactly what it promises—stability, accessibility, and credit-building potential. It doesn’t try to impress with flashy extras; instead, it focuses on the foundation: reporting, usability, and user control.

It’s a straightforward solution for anyone who needs to rebuild their financial reputation. With the added advantage of a trusted issuer like Plains Commerce Bank, it becomes a card you can rely on. It’s not glamorous, but it gets the job done—and that’s what makes it valuable.