What is the ruling on obtaining secured credit cards that require a bank account, do not allow overdrafts, and involve paying an annual fee?

Firstly: There is no objection to using a covered or prepaid credit card, and it is permissible for the issuing entity to charge fees that exceed the actual cost for the service. As for the uncovered card, since the bank lends to the customer, it is not permissible for it to take interest or profit on the loan; it must limit itself to the actual cost.

Secondly: The general principle is to prohibit depositing funds in usurious banks, except when there is a need to preserve money or when an Islamic bank is not available. Accordingly, if an Islamic bank that provides credit cards is not available, and you need one, it is permissible to open an account in a usurious bank, provided that you limit the deposit to only what covers the card.