USAA Secured American Express

This is a no-fee secured card for building or rebuilding credit. The 26.40% APR is in line with typical secured cards, so treat it as a credit-building tool and pay the balance in full each month rather than carrying a balance. There are no foreign transaction fees, a rarity in the secured space. The catch is eligibility, since USAA membership is generally limited to the military community; if you qualify, it is a solid no-fee way to establish credit.