|Highlights||Credit Card Feature|
|Things We Like||0% intro APR on purchases for 6 months|
|Our Least Favorite||$49 annual fee|
|Our Verdict||Great secured credit card with a 0% intro APR on purchases for 6 months|
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card is a low-interest secured credit card that helps people with bad or no credit history enjoy a line of credit with the possibility of improving their credit score over time.
This card reports to the 3 major credit bureaus and lets you enjoy a line of credit starting between $200-$2,000, depending on the security deposit upon application.
Here are the main features of the Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card so that you can see if it is the card for you.
Things We Like About Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Enjoy 0% intro APR on purchases for 6 months. After that, you will have to pay a 12.99% ongoing APR, which is a very low APR compared to other secured credit cards. Most secured credit cards don't offer a 0% intro APR period either, so this is a good card to have if you are building credit and want to make a large purchase since you will have 6 months interest-free to pay it off and ongoing low interest after that.
It reports to the 3 main credit bureaus each month. This means that if you make timely payments and are financially responsible, this may be reflected on your credit score over time.
You can be approved for this card regardless of your credit score or credit history. You don't need a minimum credit score to be approved for this card and you can even be approved if you have no credit history. Keep in mind that this program is not currently available in AR, IA, NY, or WI.
Credit line is secured by your fully-refundable deposit which must be submitted in your application. This deposit must be between $200-$2,000, and will determine your line of credit. Your annual fee will be charged from this deposit, decreasing your available credit by the annual fee amount that was charged.
Accepted worldwide. This Mastercard is accepted around the globe when you use it to make purchases and can be used to book hotels, car rentals, or used anywhere credit cards are accepted.
Enjoy online access to your account anytime. You can access your account online 24/7 and monitor your purchases any day of the year.
Our Least Favorite Things About Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card
Annual fee. Every year you'll be charged a $49 annual fee to use this card.
Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card is for people with a bad credit score or no credit history who want to have a line of credit but aren't accepted for regular credit cards. This card offers a line of credit equal to the initial security deposit which must be between $200-$2,000.
As an added benefit, this card offers a 0% intro APR on purchases for 6 months with a low 12.99% ongoing APR thereafter.
However, one of the most important features of the Assent Platinum 0% Intro Rate Mastercard® Secured Credit Card is that it reports monthly to the 3 main credit bureaus, which may help you improve your credit score in the long run if you are responsible making your payments on time.
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