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About Our Ratings
Credit Needed
Limited

NBT Bank Visa® Secured Card Review

Top Features

Cashback on Gas
N/A
Cashback on groceries
N/A
Cashback on other
N/A
Annual Fee
$35

This card compared to other cash back cards

Cashback on Gas
N/A
2% at U.S. gas stations
1-5%
Cashback on Groceries
N/A
3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%)
1-5%
Cashback on other
N/A
1% back on other purchases.
5% cash back in rotating categories each quarter like gas stations, restaurants, Amazon.com, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
Purchase Intro
APR:
N/A
APR:
0% on Purchases
Period:
for 12 months
APR:
0%
Period:
14 months
Purchase APR
21.49% (Variable) 
13.99%-24.99% Variable 
11.74% - 23.74% Variable 
Rates and Fees
CardRatings.com Editorial Staff

NBT Bank Visa® Secured Card details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
N/A
Purchase Intro:
APR:
N/A
Purchase APR:
21.49% (Variable)
Annual Fee:
$35
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 17.74%
 17.74%
 20.74%
APR:
  21.49% (Variable)
 21.49% (Variable)
 24.49% (Variable)
APR Floor:
 N/A
 N/A
 N/A
Intro Rate:
 N/A
 N/A
 N/A
Intro Period:
 N/A
 N/A
 N/A


Finance Calculation Method:
 Average Daily Balance (including new purchases)
Default/Penalty APR:
 None
Default/Penalty Margin:
 None
Default/Penalty APR Floor:
 
Penalty/Default Trigger:
 None

Credit Card Fee Information:


Annual Fee:
 $35
Foreign Transaction Fee:
 2% of each foreign purchase transaction or foreign ATM advance transaction in U.S. Dollars. 3% of each foreign purchase transaction or foreign ATM advance transaction in a Foreign Currency.
Late Fee:
 Up to $37
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either 3% of the amount of each transfer or $5 minimum, whichever is greater.  


Notes:

Rebate Description:
 N/A
Special Notes:
 Applicant must be 18 years of age, have a US address, and a Social Security number. A minimum security deposit of $300 is required ($5,000 maximum). Convenience Check Cash Advance Fee: Either 3% of the amount of each advance or $5 minimum, whichever is greater. Cash Advance ATM Fee: Either 4% of the amount of each advance or $10 minimum, whichever is greater. Cash Equivalent Advance Fee: Either 4% of the amount of each advance or $20 minimum, whichever is greater. Returned Payment Fee: Up to $35.
Credit Card More Information:

Card Issued By:
 Elan Financial Services for NBT Bank
General Correspondence Address:
PO Box 6354
Fargo, ND 58125-6354
Card Type:
 Visa
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 $300 min.
Maximum Credit Limit:
 $5000 max.
Credit Limit Notes:
 

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Apply online for Blue Cash Everyday® Card from American Express

Blue Cash Everyday® Card from American Express

  • $100 statement credit after you spend $1,000 in purchases on your new Card within the first 3 months.
  • No annual fee.
  • 3% cash back at U.S. supermarkets (on up to $6,000 per year in purchases, then 1%).
  • 2% cash back at U.S. gas stations and at select U.S. department stores, 1% back on other purchases.
  • Low intro APR: 0% for 12 months on purchases and balance transfers, then a variable rate, currently 13.99% to 24.99%.
  • Expanding merchant acceptance: Over 1 million more places in the U.S. started accepting American Express(R) Cards in the last year.
  • Cash back is received in the form of Reward Dollars that can be easily redeemed for statement credits, gift cards, and merchandise.
  • Terms Apply.
Terms and Limitations Apply
Credit Needed:
Excellent, Good
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Discover it® - Cashback Match™

  • You could turn $200 into $400 with Cashback Match(TM). Get a dollar-for-dollar match of all the cash back you've earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
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Credit Needed:
Excellent, Good