
Best Unsecured Credit Cards
WalletHub makes it easy to find the best unsecured credit card for you.
Unsecured credit cards are cards that do not require a security deposit for approval and are available to people of all credit levels. An unsecured credit card also is the most common type of credit card and the only one that actually allows users to borrow money. Many of the best unsecured credit cards have $0 annual fees, too (some cards are from WalletHub partners). But the lower your credit score is, the more likely it is that you’ll have to pay an annual fee to get an unsecured card.
To help you find the best unsecured credit card for your needs, WalletHub’s editors compared 1,500+ credit card offers and picked the best options for different types of applicants. You can check out their favorites below.
Best Unsecured Credit Cards
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FILTER UNSECURED CREDIT CARDS
We're sorry, but after searching our extensive database, we were unable to locate any credit cards that match the following criteria: {{tag.tag}}{{$last ? '' : ', '}}

- $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR on purchases and balance transfers
- Potential for a very high interest rate
- Balance transfer fee
- Requires good/excellent credit

- No membership fees
- 0% intro APR on balance transfers
- No balance transfer fee
- High rewards rate
- No intro APR on purchases

- High rewards rate
- Bonus rewards categories
- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee

- No annual fee
- Available to people with limited credit
- Free credit-score access
- No foreign transaction fee
- No rewards
- High regular APR
- No reduced introductory rates

- No foreign fee
- Qualify with fair credit
- Membership fees
- No rewards
- High regular APR

- Qualify with bad credit
- Does not require security deposit
- High membership fees
- High regular APR
- Foreign fee

- Qualify with limited or no credit history
- Does not require security deposit
- One-time fees
- High regular APR
- Foreign fee

- Qualify with bad credit
- Does not require security deposit
- One-time fees
- High regular APR

- 1.5% cash back on all purchases
- Available to people with limited or fair credit
- No foreign transaction fees
- $39 annual fee
- Above-average regular APR

- 1% cash back on eligible purchases
- Available to people with bad credit
- Automatic credit-line increase reviews
- Annual fee of $75 intro 1st yr, $99 after
- High APR
- Low credit limit
Best Unsecured Credit Cards of 2023

Best Unsecured Credit Cards Comparison
Credit Card | Minimum Credit | Annual Fee | Minimum Credit Required |
Capital One VentureOne Rewards Credit Card | Good | $0 | Good |
U.S. Bank Visa® Platinum Card | Good | $0 | Good |
Credit One Bank® Platinum Visa® for Rebuilding Credit | Bad | $75 intro 1st yr, $99 after | Bad |
Capital One QuicksilverOne Cash Rewards Credit Card | Limited History | $39 | Limited History |
Capital One Platinum Credit Card | Limited History | $0 | Limited History |
Citi® Double Cash Card – 18 month BT offer | Fair | $0 | Fair |
If you can’t find an unsecured credit 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.
Unsecured Credit Cards FAQ
Comparing can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered. WalletHub independently collected information for some of the cards on this page.show more
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Featured Credit Cards
Expert Opinions
Director of the Puelicher Center for Banking Education, Aschenbrener Chair of Banking & Finance and Prochnow Professor of Banking in the Graduate School of Banking at Wisconsin School of Business
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Robert Kavesh Professor of Economics in the Leonard N. Stern School of Business at New York University
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Associate Professor of Business at Miramar College
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We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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