The best Chase rewards Visa card is Chase Sapphire Preferred because it offers a sign up bonus of 60,000 points for spending $4,000 in the first 3 months. That’s a $750 value when you redeem for travel purchases through Chase Ultimate Rewards. Also, there’s 2 points per $1 spent on travel and dining purchases. All other purchases earn 1 point per $1 spent. And you can transfer points to over a dozen hotel and airline loyalty programs at a 1:1 ratio. Sapphire Preferred comes with a $95 annual fee.
If you prefer straight cash back rewards and don’t want to pay an annual fee, you should consider Chase Freedom Unlimited. You’ll earn 5% cash back on grocery purchases up to $12,000 in your first year. After that, you’ll get 1.5 - 5% cash back on purchases.
As rewards cards on the Visa network, Chase Sapphire Preferred and Freedom Unlimited enjoy wide global acceptance. Visa cards can be used in more than 200 countries and territories, at almost all merchants where credit cards are accepted. Sapphire Preferred is better for international purchases, because it has a $0 foreign transaction fee. Freedom Unlimited charges a 3% fee on all international purchases.
The Fingerhut Credit Account is the easiest unsecured card to get. But it won’t suit everyone’s needs. Fingerhut is an online marketplace, and its card can only be used to make purchases on the site. So while it will give you an unsecured line of credit, it won’t really help you cover emergency expenses.… read full answer
If you’re looking for a card that can be used for anything, the Credit One Bank® Visa® Credit Card is your best bet. You can get approved for it with bad credit. It offers a $300 starting spending limit. And you can use it wherever Visa is accepted.
Those aren’t your only options, though. WalletHub’s editors compared all of the unsecured credit cards in our database of 1,000+ offers. And we selected our favorite easy-to-get offers.
Here are the easiest unsecured credit cards to get:
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
You can redeem Chase Freedom rewards from your account here. After logging into your account go to Ultimate Rewards in the top right corner. Here’s a quick overview of your options:
Cash – You can redeem for a statement credit or a direct deposit into a U.S. checking or savings account.… read full answer
Gift Cards – You can redeem for gift cards from most major retailers, including Lowes, Home Depot, Target, Amazon and Apple (iTunes).
“Shop with Points” – You can pay for purchases directly with points on Chase’s partner websites, including Amazon.com.
Travel – You can book airfare, hotel stays and rental car reservations with points through Chase’s Ultimate Rewards website. You can learn more about your redemption options from WalletHub’s review of the Chase Ultimate Rewards program.
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