Academy Bank 
1201 Walnut St Kansas City MO 64106
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Bank Routing Number
107001481
Bank by Mail/General Mail
PO Box 26458
Kansas City, MO 64196
Deposit Only Mailbox
PO Box 26744
Kansas City, MO 64196
Phone Number
1-877-712-2265
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Credit Builder Secured Visa® Credit Card
How do you build credit?
If you are just starting to build your credit profile or you are hoping to improve or repair your credit score, this card is a great solution. We want to give you the chance to build or repair your credit using your Academy Bank Credit Builder Savings account, which provides the credit line for this credit-building Visa®.
Use our Secured Credit Card to build better credit!
By only charging a set amount each month and then showing consistent, on-time payment patterns you are doing what you can to improve your credit history. At that point, you're on your way to qualifying for our regular Visa® Credit Card.
- No application fee on this Secured Credit Card
- Credit Builder Secured Credit Card has no over-the-limit fee
- Automatic reporting to the three major credit bureaus to repair credit faster
What you get with our Credit Builder Secured Visa® Credit Card:
No application fee
No over-the-limit fee
Automatic reporting to the three major credit bureaus to build history
Upgrade to an unsecured card with good performance
What You Need to Know about the Credit Builder Secured Credit Card:
- Set your credit limit between $300 and $3,000 based on the amount you deposit into your Credit Builder Savings Account (required).
- Add to your credit line in $50 increments to increase your credit limit.
- Enroll in Visa® Secure Remote Commerce to protect your online transactions.
- Features a 25.99% annual percentage rate (APR) (View rates and fees).
- Enroll in eStatements to save a $5 quarterly paper statement fee.
- Track all your activity through Digital Banking.
Check out our Credit Assessment Calculator on our Financial Calculators page.
Tools You Can Use to Build Credit
Subject to credit approval. Improved credit score is not guaranteed. Credit score is determined by credit reporting agencies based on multiple factors, but satisfactory performance on a credit card product can improve your credit score. Default on a credit card, including missed or late payments can damage your credit score. Once added, funds cannot be withdrawn from the Credit Builder Savings account and the Credit Builder credit card without closing the savings account and the credit card.
25.99% APR
Your due date is at least 25 days after the close of each billing cycle. We will not impose interest charges on new purchases or balance transfers if you pay your entire balance in full by the due date each month. We will begin charging interest on new cash advances on the transaction date unless you pay your entire balance in full by the due date each month.
Fees: Annual fee: none. Balance Transfer fee: None. Cash Advance Fee: $5.00 or 2% of the amount advanced, whichever is greater. Currency Conversion Transaction Fee: 1.0% of each transaction in US Dollars, if currency conversion occurs. International Transaction Fee: 0.8% of each transaction in US dollars, if no currency conversion occurs.
Late Payment fee: Up to $25.00. Return payment fee :Up to $25.00. No over the limit fee. Card replacement fee: $5.00 per card prior to the normal reissue date. Copying fee: $4.00 per-page fee for copies of transaction documents or statements unless we are required to provide them when resolving a billing dispute.
HOW WE WILL CALCULATE YOUR BALANCE: We use a method called, "average daily balance (excluding new purchases and balance transfers and including new cash advances)." See the Card Agreement for more details.
The disclosures above are accurate as of the printing date of November 1, 2024, and are subject to change thereafter. Please contact us for information on any changes, call 877-712-2265 or by writing to us at the following address:
Academy Bank, N.A. Attn: Credit Card Department PO Box 26458, Kansas City, MO 64196
To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at http://www.consumerfinance.gov/learnmore
Important Information
To help the government fight the funding of terrorism and money laundering activities, U.S. Federal Law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account. As you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents. Legal Entities may be required to certify ownership and managerial control information.