9. Digital Federal Credit Union Visa Platinum Credit Card
There is no annual fee with this card, which is great news. However, do realize that this is a secured credit card so it requires you to put down an initial deposit in the event that you are unable to pay your bill. This credit card charges the lowest interest rate of any other card in this tier.
Fees and Rates:
- 11.5% APR
- No annual fees
- No cash advance fees
- No balance transfer fees
- Car rental collision coverage
Bottom line: This is one of the best choices in this tier. This should be one of the first cards you apply for if you are looking to rebuild your credit.