USAA Secured Visa Platinum

The Secured Visa Platinum is one of the more affordable ways to build credit: no annual fee, no foreign transaction fees, and a regular APR range of 11.4% to 21.4%, well below what many secured cards charge. That lower rate offers some cushion if you occasionally carry a balance while establishing your history, though paying in full is still the goal. The catch is that the card earns no rewards, so its value is entirely in the credit history it helps you build, and like any secured card it requires a deposit. Visa acceptance makes it easy to use almost anywhere. Use it to build a track record, then move on to a rewards card once your credit is established.