The best unsecured credit card is the Citi® Double Cash Card – 18 month BT offer because it has a $0 annual fee and gives 2% cash back on all purchases: 1% when you buy, 1% when you pay the bill. So in addition to being very simple and great for everyday spending, Citi Double Cash encourages responsible payment habits. The Citi Double Cash Card can also help you save on interest and get out of debt faster, offering a 0% APR on balance transfers for the first 18 months. Just make sure to take the balance transfer fee – 3% (min $5) – into account. Similarly, you should make sure to check your credit score before applying for the Citi Double Cash Card, as it requires at least good credit for approval.
There are plenty of other unsecured cards in the running for best overall, too. A lot depends on your credit score and whether you’re more in the market for rewards, low interest rates or low fees. To make things as easy as possible, WalletHub’s editors compared 1,000+ credit card offers and picked the best unsecured cards for different types of applicants. You can check out their favorites below.
|Credit Card||Best For||Annual Fee||Security Deposit|
|Capital One® Platinum Credit Card||No Credit||$0||None|
|Credit One Bank® Platinum Visa® for Rebuilding Credit||Bad Credit||$0 - $99||None|
|Capital One® QuicksilverOne® Cash Rewards Credit Card||Fair Credit||$39||None|
|Citi® Double Cash Card – 18 month BT offer||Good Credit||$0*||None|
|Wells Fargo Platinum Visa® Card||0% APR||$0||None|
|Capital One® VentureOne® Rewards Credit Card||Miles & No Annual Fee||$0||None|
If you can’t find an unsecured card that meets your needs, you may want to reconsider secured credit cards. You might be able to get higher approval odds and a lower annual fee, especially if you have limited credit or bad credit.