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Credit Needed
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Glens Falls National Bank & Trust Secured Visa® Card Review

Top Features

Cashback on Gas
Cashback on groceries
Cashback on other
Purchase APR
17.99% (variable) 

This card compared to other cash back cards

Card Name
Glens Falls National Bank & Trust Secured Visa® Card
Cashback on Gas
1%
1% When You Buy, 1% As You Pay
Cashback on Groceries
1%
1% When You Buy, 1% As You Pay
Cashback on other
5% cash back in categories that change each quarter like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cash back on all other purchases.
1% When You Buy, 1% As You Pay
Purchase APR
17.99% (variable) 
11.24% - 23.24% Variable 
13.24% - 23.24%* (Variable) 
CardRatings.com Editorial Staff

Glens Falls National Bank & Trust Secured Visa® Card details

Balance Transfer Intro APR:
N/A
Balance Transfer Intro Period:
None
Purchase Intro:
APR:
N/A
Purchase APR:
17.99% (variable)
Annual Fee:
$19
see more  

Credit Card Rate Information:


 
  Purchase
  Balance Transfer
  Cash Advance
Index:
 Prime
 Prime
 Prime
Margin:
 14.74%
 14.74%
 21.99%
APR:
  17.99% (variable)
 17.99% (variable)
 25.24% (variable)
APR Floor:
 None
 None
 None
Intro Rate:
 N/A
 N/A
 N/A
Intro Period:
 None
 None
 None


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

Credit Card Fee Information:


Annual Fee:
 $19
Foreign Transaction Fee:
 3% of each transaction in U.S. dollars.
Late Fee:
 Up to $35
Over-the-limit Fee:
 None
Balance Transfer Fee:
Either $10 or 5% of the amount of each transfer, whichever is greater  


Notes:

Rebate Description:
 N/A
Special Notes:
 Establish or re-build credit history as this card's activity is reported to all 3 major credit bureaus. The Secured Credit Card requires a minimum $300-$5,000 security deposit (depending on the desired credit limit) which is held as collateral for your account. The credit limit is set up equal to that deposit. APR Note: The Index used to determine your variable APRs is the U.S. Prime Rate shown in the "Money Rates" section of The Wall Street Journal on the last day the rate is published in each calendar month (the determination date). The Index will be effective for the entire billing cycle that ends in the second month after the determination date. Rates reflected are in effect as of 1/20/2016, based on an effective Prime Rate of 3.25%. Returned Payment Fee: Up to $35.
Credit Card More Information:

Card Issued By:
 First Bankcard, a division of First National Bank of Omaha, for Glens Falls National Bank & Trust Co
General Correspondence Address:
 
Card Type:
 Visa
Card Class:
 Other
Card Category:
 
States Available In:
 
Minimum Credit Limit:
 $500 min.
Maximum Credit Limit:
 $3000 max.
Credit Limit Notes:
 

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Discover it®- Cashback Match™ with No Annual Fee

  • You could turn $200 into $400 with Cashback Match(TM). We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
  • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
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Credit Needed:
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  • Earn cash back twice on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases.
  • Balance Transfers do not earn cash back
  • 0% Intro APR on Balance Transfers for 18 months. After that, the variable APR will be 13.24% - 23.24% based on your creditworthiness
  • Click 'Apply Now' to see the applicable balance transfer fee and how making a balance transfer impacts interest on purchases.
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Credit Needed:
Excellent/Good