I don’t care about interest rates, because I intend to pay the card fully every month. I am someone with “no credit,” because I have never believed in debt, and I am not eligible for unsecured cards. I am starting to realize that I have to build some credit in order to one day buy a house. I have plenty of money to (modestly but comfortably) live on and don’t actually need to borrow. I just don’t want to pay a lot of money for the privelege (?!) of having a secured card.