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Get a fresh start! This card carries a $0 intro annual fee for the first year, then $95. Plus, it offers an industry-leading 6% cash back at U.S. supermarkets on up to $6,000 in spending per year; 6% cash back on...Editors Best CardAdvisor™ Payoff Calculator Loans Car Loans Home Equity Loans Mortgages Personal Loans Banking CDs Savings Checking Prepaid Cards Companies Attorneys Banks Credit Unions Financial Advisors Car Insurance Insurance Agents Mortgage Providers Real Estate Agents Tools Answers Calculators... The OpenSky® Secured Visa® Credit Card helps people with bad credit keep the extra costs typically associated with credit-building cards to a minimum. You’ll pay a relatively low $35 annual fee, and the variable APR of 21.89% is decidedly low for this category. 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