This secured card makes it easy on the consumer with straightforward pricing, prime plus 6.5% variable APR (not an introductory rate). The Public Savings Bank Secured First Visa Card does not require credit history, credit checks, or a checking account. Best of all, Public Savings Bank reports to all three credit bureaus so cardholders can start building their credit quickly. Card members have four options to fund their cards, and this secured card is accepted anywhere you see the Visa logo. As another perk, the card carries no upfront or monthly fees – consumers pay only a flat $50 annual fee. Select the credit limit that works best for you, from $200 to $3,000. Build some good credit with this low-risk secured card!