PNC Secured

The PNC Secured is a plain credit-building card, and it is priced like one: no annual fee, so the only money at stake is the security deposit itself and any interest you let accrue. That makes it a reasonable option if you are establishing or rebuilding credit and want a card that does not charge you for the privilege, particularly if you already bank with PNC. Be clear about what it is not: there are no rewards of any kind, no intro APR, and no listed benefits, so there is nothing here to keep it in your wallet once your credit qualifies you for something better. The standard APR is a fixed 25.49% and there is a foreign transaction fee, so pay the full statement balance every month and keep purchases small. Use it to build a payment history, then graduate.