Credit Cards (US)

How to apply for the PCB Secured Card?

Learn how you can easily apply for the PCB Secured Card online and start the road to better credit today!

by Victória Lourenço

10/21/2021 | Updated on 12/23/2022

PCB Secured Card application: Credit building features and easy online application!

Learn how you can apply for this credit card. Source: The Mister Finance.
Learn how you can apply for this credit card. Source: The Mister Finance.

The PCB Secured Card accepts those with a poor or an average credit score. Also, after applying for this card, you will need to pay a collateral deposit of at least $200, and you can pay a deposit of up to $5,000.

And your credit limit will be the same amount as your initial deposit. However, the annual fee of $39 will get deducted from your credit limit. So, you will need to consider this deduction when choosing the amount of your collateral deposit.

Moreover, you can build or rebuild your credit history with this card because it sends your monthly payment reports to all three major credit bureaus.

But you need to make all your payments on time to get a chance to rebuild your credit. Also, you need to make your payments on time to have a chance of increasing your credit limit after your first year of use.

So, if you are interested in this card, keep reading to know how the application process works!


Credit Card

PCB Secured Card

credit builder Bad Credit OK

Monthly reports to major credit bureaus, Chance to increase credit after first year

You will be redirected to another website

Apply online

Learn how you can apply online for this card. Source: Adobe Stock.
Learn how you can apply online for this card. Source: Adobe Stock.

You can start your application process online through PCB’s website. You will need to fill in the application form with personal information, such as your home address and phone number.

Also, a very important requirement to apply is that you need to have a PCB checking account to complete your card application process. Also, you will probably need to have an income of at least $5,000 a year to qualify for this card.

Apply using the app

The most secure and official way to apply for this card is through PCB’s official website, as described on the topic above. Also, you can manage your account through the Account Center page available on PCB’s website.

Moreover, before completing the application process, you can read the credit card’s terms and conditions. This is an important step for you to analyze if this card is what you really want and if you can pay for the fees charged.

PCB Secured Card vs. Discover it® Cash Back Credit Card

If you have a higher credit score and are looking for a credit card with rewards and more benefits, we can give information about another card option. Also, this other card option has no annual fee and great cashback rewards. So, read below our comparison between the PCB Secured Visa card and the Discover it Cashback credit card!

PCB Secured CardDiscover it® Cash Back Credit Card
Credit ScoreBad – Average.Good – Excellent.
Annual Fee*$39.

*Terms apply
Regular APRVariable APR of 18.90%.0% intro APR for 15 months;
Then, a 15.74% – 26.74% variable APR.
Welcome bonus*N/A.Discover will match all your earned cashback at the end of your first year of account opening

*Terms apply
Rewards*N/A.Get 5% cash back each quarter on spending categories
Get 1% cash back on every other purchase

*Terms apply
Discover it® Cash Back

How to apply for the Discover it® Cash Back

Learn how the application process for the Discover it® Cash Back works and how you can easily get yours online!

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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