Your Deposit at Applied Bank will secure your new Visa Gold Credit Card with a credit limit equal to the amount of your deposit - from $200 up to a maximum of $5,000. No credit check or minimum credit score required. The $50 Annual Fee will be assessed before you begin using your card and will reduce your initial available credit. Credit limits greater than $300 will have initial available credit $50 less than the credit limit. Cash Advance Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater. Foreign Transaction Fee: 3% of each transaction in U.S. dollars.