How can I get an unsecured credit card?

​​​​​​​To get an unsecured credit card, you should first check your credit score to see where you stand and get a sense of what cards you can qualify for. Then, compare available credit card offers to find one that fits your credit profile and personal needs - whether you're looking for rewards, a low APR, or no annual fee.

Once you've found a good match, apply online and wait for a decision. If your application is strong, you may be approved instantly. However, in some cases, the issuer may need more time to verify your information.

How to Get an Unsecured Credit Card

1. Check Your Credit Score. To know which unsecured credit cards you’re likely to qualify for, you should check your credit score. You can do that for free on WalletHub.
2. Compare Available Offers. Once you know your score, you can compare unsecured credit card offers that match your credit level. WalletHub lets you filter offers based on your credit standing, which helps you avoid applying for cards that are out of reach.
3. Pick the Best Card for Your Needs. Choose the card that offers the best combination of perks, rates and fees for your situation. Look for features like cash back, low interest rates or no annual fees, depending on what’s most valuable to you.
4. Check for Pre-Approval. Some issuers offer tools on their websites that applicants can use to check for pre-approval without affecting their credit. Getting pre-approved won’t guarantee a successful application, but it is a good indicator (80-90%) that the hard inquiry won’t go to waste. If no pre-approval option is available, you can apply directly.
5. Submit an Online Application and Wait for a Decision. The easiest and fastest way to apply for a credit card is online. Some applications are approved instantly if your information checks out. In other cases, the issuer may need more time to review your application or request additional information. That shouldn’t take too long, though it could be up to 30 days in some situations.
6. Get Your Unsecured Card in the Mail. If you're approved, you should receive your new card in about 7-10 business days. Some issuers may allow you to request expedited delivery, so you can get your card sooner, but this service may come with extra costs.

Some of the Best Unsecured Credit Cards on the Market

You should have an unsecured credit card in your wallet if you have fair credit or better, because it lets you make purchases and build credit without having to put down a deposit. Plus, if you pay your balance in full each month, you can borrow money without having to worry about interest.

However, if you have poor credit, getting an unsecured credit card may not be the best choice for you. That's because unsecured credit cards for bad credit tend to come with high fees, and most of them don't offer any rewards. In this case, you're better off with a secured credit card. People who are new to credit should compare both secured and unsecured cards.

Finally, always read the terms and conditions carefully before applying for a credit card. It is important to understand all the rates and fees associated with the card, as well as any penalties for paying late or going over the limit, so that you won’t get caught off guard down the road.