Answer: -Capital One has a card for repairing credit with a $25 annual fee. The first 6 months is 0% interest and after that it is 14.9% which is low compared to many others that can go all the way up to 35%!!!!! -Check with major banks in your area. Bank of America has one of the best secured credit cards around. Fair prices and interest. This card does not charge interest if you pay in full when due. Many other firms will charge interest even if you pay in full and have a lot of other fees.Orchard is very pricey on their fees. -I would agree with the first post - capitalone.com. I got a credit card from them after I filed for bankrupcy and it really helped me out to repair my credit. Now I have two credit cards from them one with a 500 limit and the other with a 3000... They have really helped out with a lost cost.. Other compaines out there charge an arm and a leg as far as annual fee's and APR's.