| Rewards | None. |
|---|---|
| Signup Bonus | N/A |
| Annual Fee | $39 |
| Cardmember Agreement | View Here |
| Cash Advance APR | N/A |
| Cash Advance Fee | N/A |
| Late Payment Fee | N/A |
| Purchases APR | 28.24% variable, |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Apple Bank Visa Business Secured Credit Card is known for its no annual fee, flexible $2,000–$10,000 security deposit, and straightforward path to building or rebuilding business credit. Unlike the unsecured version, this secured card doesn’t offer rewards or intro bonuses — it’s designed purely for credit improvement.
Most users say they appreciate the predictability of the card and the fact that the deposit earns interest, which isn’t common among secured business cards. Many reviewers also mentioned that FNBO, the card’s issuer, provides reliable customer service and easy online account management.
On the downside, users often point out that the card offers no cash-back or points, and many wish Apple Bank provided clearer fee disclosures upfront. Some also note that the APR can be high, which is typical for secured products but still something to watch.
Personally, I think this card is best for newer businesses or owners trying to establish commercial credit without paying annual fees. It’s not exciting, but it’s solid. If you’re looking for perks, rewards, or generous intro offers, you’ll want to explore other business cards — but if credit-building is the goal, this one gets the job done.
RATE THIS CREDIT CARD
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Solid Choice for small businesses
I opened this card to manage my small business expense. It's easy to use, helps build business credit, and the secured limit is reasonable. Customer service is responsive and supportive, which I appreciate.
