USAA Secured Visa Platinum

The most useful thing about this secured card is its APR: 11.4% to 21.4% is well below what secured and starter cards typically charge, and there's no annual fee and no foreign transaction fee. For someone building or rebuilding credit who may occasionally carry a balance, that lower rate is a meaningful cushion. What you give up is any earning at all: there are no rewards, no signup bonus, and no intro APR offer, so the card exists purely to establish payment history against a deposit. The Visa network gives it broader acceptance than an Amex-branded secured alternative. Open it for the credit-building and the cheap rate, then move on once you qualify for a card that pays you back.