First National Bank of Hartford Secured Visa Card

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First National Bank of Hartford Secured Visa Card

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4.9

Annual Fee

8.0/10

Promotions

3.0/10

Services

3.5/10

Travel

3.0/10

Insurance

3.0/10

Rewards

1.5/10

Security

9.0/10

APR (Interest Rate)

5.5/10

Customer Support

7.5/10

Pros

  • If you would like to build or rebuild credits, this card is one of those options for you. It is good credit card for bad credits.
  • You can improve your limit to $3000.
  • APRs are fair for purchases and balance transfers.
  • Reasonable balance transfer and cash advance fees.

Cons

  • No rewards or bonuses as expected since it is a secured card.
  • APR for cash advance is high.
  • You will need to pay 2% more for each of your foreign transactions.
  • Don't expect much from this card if you are looking for really low APRs or rewards.

Review

First National Bank of Hartford Secured Visa Card is a good opportunity for those who wants to rebuild credits or build credits. The card has some advantages and disadvantages. We are going to mention about those shortly.

Annual fee of the card is fair. It is not much but it is not also very low. You will need to pay $35 for the card yearly. Cash Advance fee is a little bit high. It is almost 26% percent. Other APRs of the card is 22.99% which is not bad at all. The best side of the card, you are not going to pay much for Cash Advance and Balance Transfer. There is only 2 percent extra payment for foreign transaction fees with this card.

Rates & Fees

Interest Rate (APR) Rewards ($1) Annual Fee FTF(*) Late Payment Fee Cash Advance Fee Cash Advance APR Balance Transfer Fee Balance Transfer APR
22.99% None $35 2% $38 4% 25.99% 3% 22.99%

FTF: Foreign Transaction Fee

Editor Scores

Type of Card Editor Score Overall Score Total Cards
General 145 200 100
Credit Builder 114 127 10
For Bad Credits 162 165 10
No Credit History 158 168 10

You can see First National Bank of Hartford Secured Visa Card reviews below.

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