| Rewards | No rewards program attached to this card |
|---|---|
| Signup Bonus | No sign up bonus attached to this card |
| Annual Fee | $35 |
| Cardmember Agreement | View Here |
| Cash Advance APR | Around 29.99% Variable APR |
| Cash Advance Fee | Either $10 or 5% of the cash advance amount, whichever is greater |
| Late Payment Fee | Up to $40 |
| Purchases APR | Around 25.24%–29.99% Variable APR |
| * Card terms and offers are subject to change. Confirm current details with the issuer. | |
CARD OVERVIEW
The Fulton Bank Secured Visa Credit Card is known as a straightforward credit-building tool rather than a rewards-focused product. It doesn’t offer cash back, travel perks, or signup bonuses—instead, it’s designed to help users establish or rebuild credit with a refundable security deposit and basic Visa protections.
Most users say they appreciate how simple and predictable the card is. Many reviewers mention that approvals are more accessible compared to traditional unsecured cards, and the fact that payment history is reported to credit bureaus makes it useful for rebuilding credit over time.
On the downside, cardholders often point out the lack of rewards, high APR typical of secured cards, and the need to provide a cash deposit upfront. Some also feel that better secured cards exist with cashback or upgrade paths that are more attractive.
Personally, I think this card only makes sense if your main goal is credit repair and you want a low-friction option from a traditional bank. If you’re looking for rewards or long-term value, there are stronger secured cards on the market that offer more benefits for the same deposit.
RATE THIS CREDIT CARD
Please enter a title of your review.
Please enter a title of your review.
Please write some review.
Bro sorry, but some error occurred :O
B
Perfect for Building Credit
I got the Fulton Bank Secured Visa to rebuild my credit, and it's been a smooth experience. Reporting is consistent, and I appreciate the transparency with fees. It's simple, reliable, and actually helps you see progress. Great choice for anyone starting over.
