Get your NEW Visa Black Card today!
How a Secured Credit Card works
Your new Public Savings Bank Secured credit card can help you establish a credit history that will benefit you now and in the future.
- You deposit a minimum of $300 into a Public Savings Bank FDIC insured deposit account. No account maximum!
- You can then make purchases with your card up to the amount you have in your security deposit account.
- You must pay at least the minimum payment before the due date each month. Your security deposit does not cover minimum payments.
- Your payments are reported to all major credit bureaus so you can begin to establish your credit immediately.
Value and pricing *
- Qualify with a deposit as little as $300!
- No Annual fees! Just a $50 one time application fee and $29 one time processing fee. These fees are deducted from your initial deposit.
- 0% APR on all purchases for the first 6 months, then a variable rate at Prime plus 7.99% - currently 11.24% APR.
- Use the card for cash advances also!
- 25 day grace period. If you pay your balance in full, there will be no interest charges.
Benefits of a Public Savings Credit Card
- Your income, employment and credit are not factors! Guaranteed Approval!
- 24/7 online customer support
- Travel and emergency assistance
- Automatic auto rental insurance
- Use the card everywhere you see the visa/mastercard logo
For more information, please read our FAQs page.
Click here to apply for your New Secured Credit Card now.
* We reserve the right to change your terms, rates and fees at any time, for any reason, in accordance with the cardholder agreement and applicable law. Please see terms and conditions for important information concerning this offer.
