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no annual fee
One of the best secured options around.
There is a little bit of a hassle to apply if you are not automatically eligible, but a small charity donation will help to sort it out. Otherwise, the card is the best - low 11.50 APR, no annual fee and grace period - it is all you need with a secured card. And yes, it reports to major credit bureaus, so your credit score will improve if you use it wisely.