The Secured Visa is a personal credit card from Secured Visa. Application typically pulls a hard report from Experian. The annual fee is None. The ongoing APR is 27.49% after a 28.49% introductory rate. Rewards: 5% cash back in two categories of your choice, 2% unlimited cash back on one everyday category, 1% unlimited cash back on all other eligible purchases. Cash back: 5% cash back in two categories of your choice – first $2,000 in combined purchases each quarter, 2% unlimited cash back on one everyday category of your choice, 1% unlimited cash back on all other eligible purchases.