Applied Bank Credit Cards

Applied Bank is a premier Delaware banking institution as rated by As a matter of fact, it is the only bank in Delaware that has received an A+ rating and has gained the recognition of being one of the 10 Best Banks in America as rated by TheStreet. Applied Bank specializes in helping individuals with little, bad or no credit. Build a good credit history one month at a time through the careful management of credit card accounts and customer education.

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A Look At Applied Bank Offerings

Who is Applied Bank? Applied Bank is headquartered in Wilmington Delaware and is one of the leading credit card providers to individuals with bad or no credit history. Applied Bank is innovative in their approach to consumer banking and has pioneered such customer-friendly advances such as integrating state of the art gourmet coffee houses into many of its retail consumer banking branches.

Applied Bank has also taken its corporate responsibility of giving back to the community seriously by donating to such organizations such as Junior Achievement, United Way, Interfaith Community Housing of Delaware and Opportunity Center Incorporated. Credit cards make up the main stream of revenue for Applied Bank, for which they have 2 main offerings.

  • Applied Bank® Secured Visa® Credit Card The Applied Bank Secured Card is the primary card issued to individuals with bad or no credit. Cardholders are started with a relatively low credit limit, which is raised at predetermined intervals as long as the cardholder keeps the account in good standing. In order to minimize the risk to the bank, Applied Bank holds a security deposit against the credit limit issued on the card, which is refunded when the account is closed in good standing.
  • Platinum Zero® Secured Visa® Credit Card: Applied Bank offers another secured credit card that offers 0% APR for all purchases, even if you are late with a payment. Of course, cash advances are charged an interest rate, but it is also ridiculously low at an APR of 9.99%, making this one of the cheapest cards to carry in terms of accumulated interest.

Of course, Applied Bank also offers other traditional banking products such as interest bearing checking and savings accounts, as well as personal loans and lines of credit, auto loans and mortgages. What’s really nice about Applied Bank is their focus on technology and their extensive online banking suite. You can make payments to almost any credit product, manage your deposit accounts and apply for new products all with just a few clicks of the mouse.

So, if you are in the market for a new credit card and have bad, limited or no credit, then think about Applied Bank. You can be sure that they will help you make the most of your time and money.