Fifth Third Secured

This card is worth considering if your main goal is getting back into the credit system and you want a secured card from a major bank. In that role, the job is straightforward: use it lightly, pay on time, keep your balance low, and let it help rebuild your credit profile.

For most other purposes, it is a weak fit. There are no rewards, no listed benefits, a $24 annual fee, and a 3% foreign transaction fee, so there is not much reason to keep using it once your credit improves. If you need a tool for rebuilding credit, it can do that job, but it is not a card to choose for ongoing value.