I've been employed with Target for 14 months, with a completely blank credit report. Is there any way I can get approval for a card without excessive application fees? Right now I'm looking at getting a Wells Fargo Secured Visa. 5.9% introductory APR, 17% after that, $18 annual fee, able to start with as little as $300. Is there any better options? Any better secured cards? Don't want rewards or anything, and I don't care about interest rate as long as it gets me started. Thanks.