Unsecured Credit Cards

Jennifer Parsons @1carfamily

I do not really want to use credit cards. But income is limited so I had gotten Capital One cards. I like how Capital One seems a little more understanding it seems like when you are behind on payments and they are easier to get. I like how you can move the payment date around too. I wish the dates could be more toward the end of the month though. I like their website. It is easy to navigate. Capital One offers cashback rewards and when you redeem the rewards to add as a credit statement on there it seems to be put on there quickly.

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I chose Discover as my first card; they're the preferred card at two dollar stores I go to, and it offered 5% back on rotating categories (although I have to remember to enroll *each quarter*). The application was simple, I had a couple questions, so I gave my information over the phone, and was done in less than 5 minutes, with my card on the way—just a few questions like "...have a checking account?". The cashback program is simple and this card saved me from running out of gas quite a few times, even when I was over my limit.

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Joshua Rowlett @joshua.rowlett.7

My Capital One quicksilver card is great for transferring balances and also paying for those transfers. There is a promotional period and that is also great for saving a lot of money. I think that having more bonuses would also be a big improvement but with all of the benefits that come with this card, it is hard to make a fuss when the deal is this good. I used my card to pay off some bills that were piling up due to hard times at my job. I am really grateful for the savings that the card brought for me. I Really recommend it.

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Alex Salguero @alex.salguero

The unsecured credit card I use most is the Citi Double Cash card. I use it because I receive 2% cash back on everything I buy. I do have to pay an annual fee, which generally is a deal breaker for me.. There's also no annual fee. You get a good amount of rewards from this card without having to pay anything out of pocket as long as you pay your bill in full every month. The only thing I would like to see is higher cash back in categories, but that's just being greedy!

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Chris Hodges @chris.hodges.927

I use a Capital One credit card, I am using it to rebuild my credit after a bankruptcy and divorce a few years back. I do not enjoy paying the high interest rate or the yearly fees, but as I am still rebuilding my credit my options are limited. If I could add some features to this card I would implement a program that rewards it's customers with a chance to lower their interest rate by paying on time each month. Another program I would put into place would be a way to "work off" the yearly fee again by paying on time every month.

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Troy mcbrair @loogie

I personally use the Chase Freedom card. Amazing card for the things i like to do. 1% cash back on everything, 5% revolving. It can be a hassle sometimes having the revolving cash back amounts, but overall, i love the product. Even better, if you like to do a lot of Amazon shopping, the card links up automatically and you can pay for things using your Chase Freedom points. I just figured that out the other day and have never gone back. Overall, it may not be the best card on the market, but for no annual fee, it isn't too bad. Only thing i would add would be having a higher cash back amount on amounts not spent on the quarterly category.

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Sean Rust @arlbulldog53

I use my Capital One QuicksilverOne card quite often. It is a good card for balance transfers. I have saved a whole bunch of money transferring balances to this card and paying my balance down during the promotional period. The only thing that I do not like is the annual fee. I hate annual fees because I feel like I am already paying interest so why should they charge me an annual fee. The APR is pretty good once the promotional period is over. I originally got this card so that I could transfer my balances from other cards but I will probably keep this card once I finish paying it off.

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Brandi Alexa @christina_gee_3979

I had gotten myself into some debt issues some years back, and I had hurt my credit score. I essentially had to start fresh and need to get back on my feet again with an prepaid credit card. If you have to go this route, I highly recommend going with Capital One because they are a big name in the credit card business and a reputable one. Like other commenters have mentioned, my unsecured card was more of a prepaid one in that I had to make a deposit which was the amount of money that I had to spend on the card. For example, if you put down $500, you typically have $500 to spend (unless there is an additional security fee which you get back down the road provided you use the card responsibly). In my case, I was sure that I did not overspend on the card so that I could build my credit again and not be stuck with unsecured cards.

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Brad Alexander @bala5679

I use the Citi Simplicity card as my unsecured credit card. When my credit score was bad because I’d gotten myself into some debt problems, I opened this card to try to improve it. I didn’t love the fees on the unsecured credit card, but I knew that once I got this card paid off, I could go back to a “normal” credit card and an improved situation. This card is better than a lot of other unsecured card because intro rate on purchases is 0% for 18 months and the interest rates are fairly low. However, the drawbacks of an unsecured card are that you can’t typically earn points or bonuses like gas or travel rewards and cash back like you can on other cards.

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Anoop Raghavan @anoop.s.raghavan

Six years back, when I arrived US from India for an IT job. My credit score was zero. As I have my salary direct deposit on BOA, I went to the BOA bank and they suggested me secure credit card to build my credit. I opened $300 credit and then raised it to $500 in 6 months. After an year BOA changed that secured credit card to a real credit card of limit $2000. After one more year, I could buy a car on auto loan with the credit score. The interesting fact is that the interest rate is really very low for this so I am still maintaining it. To the people who come to US as alien, the secured credit card is the only way to build credit history.

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Brutus Smith @brutus.smith.568

I use the Bank of America Cash Rewards Card for my daily purchases. It was the first unsecured credit card that I qualified for, so I'm very loyal to them. I also do all my banking with them, so it's very convenient. It's wonderful that this card has no annual fee. I wish that they had 3% cash back on all purchases, but it's currently 1% for purchases, 2% for grocery stores, and 3% for gas. I really don't like that they limit the cash back to the first $1,500 per quarter. Once I hit my limit, I'm forced to use another card. Cash Back is the best thing that's offered by credit cards. If you use it to buy your needed items, it's like getting paid to spend money.

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Marino Johns @marino.johns

I use the Target Visa credit card since I shop at Target quite a bit. The one thing I would add to this are reward points or cash back. I would add more ways to gain points and also more periods where you can get more cash back like what Discover did for 3 months where they gave 5% cash back instead of the normal 1%.

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Chris Le @antiboy

I've only just started using the TrueEarnings card from Amex and Costco since I finally decided to take the plunge and get a Costco membership. Let me tell you, I'll never look back! The free membership is a huge plus. The only thing I would change is the max earn is 3%, which means I won't always be using this card for everything I can when I have a 6% Amex I can get more cashback on. Otherwise, this card rocks!

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Amanda Fischer-Duncan @amanda.fischerduncan

I primarily use the Capital One Quicksilver Cash Rewards Credit Card. If I could add anything it would be to extend the interest free period. When I got the card it was only 6 months at 0%. I would also add more bonuses so that you can get more cash back on a quarterly basis if you had spent so much on the card.

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Melissa Hallgren @momof2boys70

I primarily use the TD Bank Extras Visa the most. I would not add any features as it gives cash back as well as rewards points for gift cards. I especially appreciate the low monthly payment and no interest for 18 months on new purchases over $750. The real plus is the high credit limit extended. I would however appreciate TD Bank waiving other fees if you hold both their credit card and deposit accounts. That would be a marked improvement over the Bank of America deals that are coming close to rivaling it. However for an easy to get high credit limit card it's TD Bank Visa all the way !

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Jennifer Merriman @jennifer.merriman

The unsecured card I primarily use is the Capital One Platinum Prestige. I got the card without any intention of using it, but shortly after I got it my bank card went bad and I had to use this card until my debit card was replaced. I liked that there is no annual fee, and no interest for an introductory period. Interest also stayed low as long as I paid on time.

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Jessica Walls-Lavelle @jwallslavelle

The unsecured credit card I use most is the Chase Visa. I use it because I accrue Priority Club points, which I can use for free hotel rooms. I do have to pay an annual fee, which generally is a deal breaker for me, however with this card I get a free hotel room per night. The annual fee is less than $50, so I look at it like I am paying the fee for a free hotel room, which is a decent deal. I am also automatically a platinum member of Priority Club for having the card, so I get things like free upgrades and gifts at check in.

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Franklin Cooper @franklin.cooper.589

i need unsecured credit cards.

@WalletHub

March 24, 2014

On this page you can find a wide selection of unsecured credit cards.

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David Price @davidp_65

The best unsecured card that I am using is the AMEX Blue Cash Preferred. I use it almost on a weekly basis whenever I go out to buy groceries. Even though there is an annual fee, the 6% cash back makes this card worthwhile because I spend so much whenever I go to Safeway or Ralph's. The 3% cash back on gasoline is nice, but I only use this as a backup whenever the Chase Freedom has 5% cash back on gasoline. If I could add anything to this card, I would like to see additional cash back for dining at restaurants. This would really make this card my daily driver!

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Marc Lin @marc_lin_165

The best unsecured credit card I use daily is the Discover IT card. I like it because this card offers a generous rebate on everything I buy everyday (I do not use cash anymore.) A full 1% on anything at all, plus another 5% rebate on certain categories that change every three months. PLUS when I cash in the rebates for a merchant gift card (they have many to choose from too) I get another $5 added to the gift card as a "thank you" gift! IT is awesome in my opinion. The customer service is second to none too. They are seemingly on top of any issues I can come up with.

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Michael Meza @MMeza7

I have the First Premier Bank card. Man this is a bad card and has high interest and hidden fees. Do not get this card. I am trying to pay it off as fast as possible. The card has an interest rate that is extremely high, and they hide that in small print on their opening sign up statements. Also, it pre charges you a certain amount to even use the card! What a scam, I will never use this card again. I have learned from getting this card to really read the fine print and the details of the card agreement terms.

Roberta Yopp @roberta.yopp

November 17, 2014

True that. I too, had to learn the hard way with them. When my daughter came to me and asked me about getting a credit card with them, I vehemently told her to steer clear.

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James Russell @JamesERustle

I have the Capital One VentureOne rewards card, and I am very happy about it. There are some things I wouldn’t mind changing, however. There is no annual fee which is ideal, but they also do not give you any cash back. They give miles instead, which is great but it is certainly not as great as getting cash. I also think they should let you earn a little more than 1.25 miles/ $1, but that is just me.

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Jono @gakempis

My first card requiring "good" credit was the green Cash Rewards card that was converted to the QuickSilver Cash Rewards by Capital One. With this card, I enjoy unlimited 1.5% cash back on every purchase. Even better, I can redeem it at any time, and it NEVER expires! I am not sure there is anything I would change with this card; my interest rate is close to the upper limit (nearly 20%), but I guess I am on the lower end of the "good" credit spectrum, so I cannot complain!

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James LeGrand @zedetco

When it comes to unsecured cards my personal favorite would have to be the Capital One Venture Rewards Credit Card. Mainly because of how easy it is to get one and how simple it is to maintain. The rewards add up quick and customer support is fantastic.

Casi Danielle @casi.cope

March 13, 2014

I completely agree with you. This card is amazingly easy to use,and I am really happy with it. The rewards add up quick and customer support is fantastic.

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Scott Moore @scott_moore_399041

I really enjoy the flexibility my Capital One card gives me. If I am having a week I am running a little short on funds, I can use this everywhere I shop. I don't have good credit, the limit is manageable and I do my best to only use whatever I can pay in full. It may not have an attractive APR or any rewards, but it's building my credit and a little cushion when I need it. The only thing I would change would be a much lower standard APR.

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Jim Louie @jim.louie.547

I have the Chase Sapphire Preferred and it is one of the better cards out there. The benefits of Ultimate Rewards really make this card worthwhile. However, I do wish that the point earnings were better. I would like 3% points categories and although the 2% category covers travel there really isn't anything for gas, which is something that I use often. These two additions would really make this card my daily driver.

Justin Parker @jparker82

March 13, 2014

I also have this card and the Ultimate Rewards really are great... If you can ever accumulate enough points to get them. Some of the costs on the rewards are rather outlandish for what you have to spend in order to earn points. I tend to be a conservative spender, so I do not always rack up reward points quickly. I also agree with your point on gas rewards - that little addition would be fantastic and really increase my usage of the card. All of that being said, the Chase Sapphire Preferred has a great rate, in my opinion, and is one of the best unsecured cards you can get. It will last a lifetime.

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Amy @amster

I have used the Capital One Venture Rewards card for a long time now. It is my favorite unsecured card to use. The bonuses are awesome, and I got a great APR from them. There's no annual fee, and customer support is always very friendly and helpful. I would definitely recommend this card to anyone.

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David @Chocotaco39

The Chase Freedom card is one of the best unsecured credit cards I hold. I signed up and received a great bonus if I spent $500 in the first 3 months. The bonus alone was amazing and something you don't see from other cards. I love how easy it is to get the bonus and it was a surprisingly easy process to go through. I also get great rewards from this card as I rack up points all the time and get to cash them out for little gifts to myself every once in a while.

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