Providian Visa Platinum Card®


Providian Visa® Platinum with real Benefits. No Annual Fee. 0% APR on balance transfers for 12 months. Great discounts from Great retailers and Online Access to your Credit Score.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards
Fair Credit Personal $0* 0.00% for 12 Months N/A* 9.99%* None

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Providian Visa Platinum Card® Quick Summary:
This Visa offer is issued by Providian. This card is intended for consumers, or "personal use" with a fair credit history. Rates may vary among applicants, however the lowest standard APR is 9.99%* (Variable)*.

Important Rates:
There is a introductory balance transfer offer APR of 0.00% for 12 Months*. There is no annual fee for this card.*

Rewards:
This is not a rewards card. It is normal for cards for fair and poor credit histories to not offer rewards.

Credit Record Needed:
Based on the FICO score recommendation, applicants should have a recently clean credit record, with no recent negative marks on their report. However the card issuer may expect limited discrepancies. A FICO credit score of 637 is recommended for a higher chance of approval, but this is not required. There are a number of other factors that this issuer may also consider when making decisions for approval. While your FICO score is usually a very important factor, you may want to consider other areas that may affect a decision for approval. For example, your debt to income ratio, recent credit inquiries, 30+ day delinquencies, or current credit accounts nearing the maximum amount may affect a credit decision.

FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, a credit score alone does not guarantee or imply approval for any Providian product.

Other Basics:
The grace period listed for the Providian Visa Platinum Card® is at least 25 days*. So interest charges will not be applied for new purchases during this time if balance is paid in full by the due date. Be aware that some issuers will begin charging interest on cash advances and balance transfers on the transaction date.

This card contains the brand of Visa, where acceptance is global. Most businesses that accept credit cards will accept Visa as a form of payment (subject to available credit).

Rewards and Benefits:
  • No annual fee
  • $0 liability on unauthorized transactions
  • Credit line up to $15,000


Approval Rate:
Currently, we have no applicant results in our system. You can be the first one to help by submitting your application results to assist other applicants before they apply for this card.

There have been no approvals in our internal system that we can calculate for this card. This could be due to lack of time that this card has been listed at Finance Globe or from other various factors. As we gain more information about the approval rates, we will update them here. Furthermore, if your FICO score is close to or higher than 637, then your chance of approval may be even greater.

Approval Time:
Approval time for this offer is not listed. You should expect a final credit decision within a couple of weeks, but normally much sooner.

Community Opinion:
Based on community reviews, we found that 71% of 7 users recommend this card.
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