The PCB Secured Visa Credit Card offers a stable, secure route to rebuilding.
Issued by Plains Commerce Bank, the card provides essential access without requiring high scores or perfect financial records.
This secured card operates on a simple premise: you provide a refundable deposit that sets your credit limit. In return, you receive a functional Visa card that behaves like any standard credit card—accepted at millions of locations nationwide and online.
It’s a stepping-stone product, meant to serve as a foundation for long-term credit improvement. While it doesn’t offer flashy rewards, it offers something more important: opportunity. And with timely payments and responsible usage, users can build a positive history in just a few months.
PCB Secured Visa
Refundable security deposit Annual fee of $39How does the PCB Secured Visa Credit Card work?
The PCB Secured Visa works like a traditional credit card but with a deposit. You apply online and, once approved, provide a deposit between $200 and $1,000. That amount becomes your available credit limit. Unlike unsecured cards, there’s no risk to the issuer, which allows for more lenient approval criteria.
Once the card is active, it can be used for purchases wherever Visa is accepted. You’ll receive monthly billing statements, and the issuer reports your payment behavior to all three major credit bureaus. That’s the key element: your credit-building journey begins with that first swipe and timely payment.
Unlike some cards, PCB Secured Visa does not require a credit check for approval, making it especially attractive to those with a troubled history. The online interface allows for easy payment management, balance checking, and tracking.
Main benefits for the PCB Secured Visa Credit Card
The main benefit is accessibility. With a refundable deposit instead of a high approval threshold, nearly anyone can apply and be approved. This democratizes access to credit and gives people a second chance or a fresh start.
The card also stands out for its reliable monthly reporting. This consistent feedback loop between your actions and the credit bureaus ensures your efforts don’t go unnoticed. Even without rewards or perks, your score is growing in the background—if you play it smart.
Additionally, the card is supported by a reputable bank, which lends a degree of trust. And because it works like a regular Visa card, users don’t have to sacrifice usability just because they’re working to improve their financial health.
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Cons for the PCB Secured Visa Credit Card
While useful, the PCB Secured Visa is not without its drawbacks. The $39 annual fee is somewhat steep, especially given that many other secured cards waive this fee or provide rewards in return.
The card also has a relatively high APR—over 25% variable in most cases. While manageable with full monthly payments, it can be burdensome for those who carry a balance.
There is also no upgrade path, meaning you won’t be moved to an unsecured version as your credit improves. This makes the card a temporary tool rather than a long-term companion. Users must actively seek better offers after establishing a solid credit history.
APR and Fees Breakdown
The PCB Secured Visa has a clear but notable cost structure:
- Annual Fee: $39
- APR for Purchases: ~25.99% variable (may vary by market)
- Late Payment Fee: Up to $40
- Returned Payment Fee: Up to $30
- No grace period: Interest may begin immediately on purchases
Because of these fees and interest rates, it’s essential to use the card strategically—paying off the balance each month to avoid charges and focusing solely on credit building.
How to Apply for the PCB Secured Visa Credit Card
- Visit the official Plains Commerce Bank credit card site
- Click on the PCB Secured Visa application link
- Complete your personal and financial details
- Submit your refundable security deposit (minimum $200)
- Wait for card approval (usually quick with no hard credit check)
- Once received, activate your card and begin using it for everyday purchases
- Make payments on time every month to build credit
- Monitor your credit score and usage via their online portal
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