ferferhess, I would also check out a local credit union. I would hold off on the big national CU's (PenFed, etc.) until you get your credit profile built up a bit more. But most CU's pull EQ, and your score is fine.
Do some water-cooler research at work to collect opinions on your local CU's. My area is chock-full of CU's, some with huge assets, and they're in a war currently for new members. Print out all three of the recent FICO score reports, and visit local CU's. Tell the lending officer that you aren't authorizing a hard pull of your credit yet, but ask him/her to look over your credit report and tell you what they think you would qualify for. CU's are great for people in your situation who are new to credit, or who have gone through some rough times but have shown responsible credit use since. Once you find one you like, cross your fingers, go ahead and join up, authorizing the hard (yes, they'll have to do this), and you should have a card with a decent limit.
Once you have some history with this card, you can apply with some of the national banks (BofA, Citi, etc.), and you'll be more competitive with them. HTH
* Credit is a wonderful servant, but a terrible master. * Who's the boss --you or your credit?
FICO's: EQ 781 - TU 793 - EX 779 (from PSECU) - Done credit hunting; having fun with credit gardening. - EQ 590 on 5/14/2007