primor® Secured Visa Gold Card

Best Low Interest Secured Credit Card

primor® Secured Visa Gold Card

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On Card Issuer’s Secure Website
Pros
  • One of the lowest interest rates available for people with bad credit
  • No minimum credit score required
  • No activation fees
Cons

Vague terms of service that basically state the company can place limits on transactions at retailers and ATMs at whim. There’s an annual fee, but it’s not too high.

Details

Application Process: Input info about your name, residence, and income on the online form for this secured primor Visa card. After you submit the app, you’ll have an immediate response unless your criteria requires a manual review.

This is a secured credit card, so you have to fork over some funds before you receive your card. The company offers secured lines of credit that range from $200 to $5000, and you’ll get rejected if you don’t have a checking account.

Bonus Offers: None, but we do like that this card is linked with a personal savings account.

Rewards: This card doesn’t offer rewards, but you can use it to build or repair your credit. The credit card reports your payment history to 3 credit bureaus, and one cardholder reports that their FICO increased by 130 points just 6 months after getting this card.

APR: This card is tied for the lowest APR with the First Progress Platinum Prestige MasterCard. It has a variable APR that’s just 9.99%, which is a third of what some other cards charge folks with subpar credit.

If you use your card for a cash advance, expect to pay a variable APR of 18.99%. Could be worse.

Fees: This card has the usual 3% foreign transaction fee, and you’ll pay 5% or $5 (whichever is greater) for cash advances. If you miss a payment, expect to get hit with a late fee of up to $29.

Card attributes
  • Variable APR
    9.99%
  • Cash Advance APR
    18.99%
  • Bonus Offers
    n/a
  • Rewards Rate
    n/a
  • Annual Fee
    $49
  • Intro APR
    n/a

Faveable Giveaway

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