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??????????????? ?????? ???????????????????? ??????????? ???????????? ????????? ????????????????Secured cards come with annual fees, though there are several no and low annual fee options available. Keep in mind, secured credit cards still charge interest. The Neo Secured Credit Card offers guaranteed approval and is a rare secured credit card that offers rewards on purchases, all for no annual fee. No Annual Fee. Even though all secured credit cards already require a deposit, that does not mean that they don't have an annual fee. Most secured credit.