State Department Federal Credit Union Visa Platinum

back SDFCU Savings Secured Visa Platinum Card

compare

intro purchase APR no intro offer	regular APR7.49 - 7.49% (V)
intro BT APR 7.49%	no BT fee

bad credit / no credit required

Editors Review

One of the best secured cards today - perfect for building or rebuilding your credit.

The main inconvenience is that you need to be a member of the SDFCU, eligible through employment or family connection.  

Good news! You can become a member of American Consumer Council for $15 for a lifetime membership and be eligible for a card.

Pros 

1. No credit check. No income verification.
2. Low 7.49% APR for purchases and balance transfers 
3. No annual fee
4. No balance transfer fee
5. No international transaction fee
6. EMV chip on the card

Cons

1. Membership through employment or connection required to apply.
2. Doesn't graduate into an unsecured credit card
3. Reports to credit bureaus as secured card.