Hubert has $$1,000$ in cash. Hubert also has a very bad credit history, but wants a credit card.

Which credit card is the best choice?

The affinity card sponsored by the alumni association

A secured card

A reward card with a frequent flyer program

Why is that card the best choice?

It's the only card he will probably qualify for.

He can offer the $$1,000$ as collateral.

Both of these.