1. Public Savings Bank Classic Secured VISA Card

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Interest Rate:	11.24%*
Intro Rate:	0% APR for 6 Months
Grace Period:	25 Days
Credit Limit:	up to $2,000
Annual Fee:	None

Special Offers: 0% APR on purchases for 6 months.

Our Opinion: The Public Savings Bank Classic Secured VISA Card, issued by Public Savings Bank, is ideal for those who are trying to improve their credit. This is because Public Savings Bank reports card activity to all three major credit bureaus every month. Because the Public Savings Bank Classic Secured VISA Card is a secured credit card, all applications are accepted, regardless of past credit history, or a lack of credit history. A secured credit card is one that is secured with a deposit. The amount of the deposit then becomes the cardholder's credit limit. The minimum deposit for this card is $300, the maximum is $2,000. The interest rate for the Public Savings Bank Classic Secured VISA Card is reasonably low, and the Public Savings Bank Classic Secured VISA Card has no annual fee. The application fee is $75. Applicants who are interested in improving their credit by using a low interest secured credit card will be best served by what the Public Savings Bank Classic Secured VISA Card has to offer.

2. Wired Plastic™ Prepaid Visa® Card

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Interest Rate:	n/app*
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	n/a
Annual Fee:	None

Our Opinion: Pre-paid card with no annual fee. Applicaion fee is $9.95; monthly fee is $3.95 (fees total $57.35 in 1st year). Minimum load is $10. Card offers direct deposit and a rewards program. Earn 1 point per $1 spent on purchases. Earn unlimited points; points do not expire. Points earned may be used for music downloads, ring tones, calling cards and prepaid wireless service. Employment verification and credit checks are not required for this card.

3. BuyRIGHT Pre-Paid MasterCard®

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Interest Rate:	n/app*
Intro Rate:	No Introductory Rate Available
Grace Period:	n/app
Credit Limit:	up to $2,500
Annual Fee:	None

Our Opinion: Requires first load of $20. There is no fee to load the card with direct depost. You will pay a fee with other types of funding. Fees include: $29.95 set-up fee, choose betwee a $7.95 monthly fee or $1 per transaction fee (choose the monthly fee if you make over 8 transactions each month). They also offer a free BuyRight Membership. This gives you access to a pre-approved $5,000 line of credit that you can only use on purchases at the BuyRIGHT Marketplace; this is not connected to the BuyRIGHT prepaid card. The BuyRIGHT awards program offers 1 point per $1 on purchases. Earn unlimited points; points do not expire.