The Visa Max Cash Secured is a personal credit card from Visa Max Cash Secured. Application typically pulls a hard report from Experian. The annual fee is null. Signup bonus: $150 cash back after you spend $500 in the first 90 days. Rewards: 5% cash back on first $2,000 of combined quarterly purchases in two categories, 2% unlimited cash back on choice of one everyday category, 1% unlimited cash back on all other eligible purchases.