If this is your first credit card, a student, or you are looking to establish your credit, the Service CU VISA Everyday Share Secured card is a great option for beginners. The secured card allows your money to be backed up by your savings account while giving you a higher limit than many other cards of its kind. If you are looking for the most points for your dollar, check out the Service CU VISA Signature Everyday Elite card, which gets you 1.5 uChoose Rewards points for every dollar you spend, plus benefits such as purchase security and a cell phone protection plan. See the chart above for more details.