How good is your credit?

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 $0 annual fees, too (some cards are from WalletHub partners). But the lower your credit score is, the more likely it is that you’ll have to pay an annual fee to get an unsecured card.
To help you find the best unsecured credit card for your needs, WalletHub’s editors compared 1,500+ credit card offers and picked the best options for different types of applicants. You can check out their favorites below.
Best Unsecured Credit Cards
... show more
show less
FILTER UNSECURED CREDIT CARDS
We're sorry, but after searching our extensive database, we were unable to locate any credit cards that match the following criteria: {{tag.tag}}{{$last ? '' : ', '}}
Wells Fargo Reflect® Card Wells Fargo Reflect® Card

- No membership fees
- 0% intro APR on purchases
- 0% intro APR on qualifying balance transfers
- Reports to the three major credit bureaus
- No rewards
- No initial rewards bonus
- Balance transfer fee
- High regular APR
Capital One Quicksilver Cash Rewards Credit Card Capital One Quicksilver Cash Rewards Credit Card

- $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
Capital One VentureOne Rewards Credit Card Capital One VentureOne Rewards Credit Card

- 40,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- 0% intro APRs
- No annual fee
- Balance transfer fee
- Potential for a very high regular APR
BankAmericard® credit card BankAmericard® credit card

- Low balance transfer intro APR for 21 billing cycles
- Low purchase intro APR for 21 billing cycles
- No annual fee
- Balance transfer fee of 3%
- Very high regular APR
- Excellent credit required
U.S. Bank Cash+® Visa Signature® Card U.S. Bank Cash+® Visa Signature® Card

- No membership fees
- 0% intro APR on purchases
- 0% intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- Balance transfer fee
- High regular APR
- Foreign fee
U.S. Bank Visa® Platinum Card U.S. Bank Visa® Platinum Card

- 0% for 18 billing cycles intro on purchases
- 0% for 18 billing cycles intro on balance transfers
- $0 annual fee
- Cell phone protection
- 19.24% - 29.24% (V) regular APR
- 3% (min $5) balance transfer fee
Citi® Diamond Preferred® Card Citi® Diamond Preferred® Card

- 0% intro APR for 12 months on purchases
- 0% intro APR for 21 months on balance transfers
- $0 annual fee
- 5% (min $5) balance transfer fee
- Foreign transaction fee
- High regular APR
- No rewards
Capital One SavorOne Cash Rewards Credit Card Capital One SavorOne Cash Rewards Credit Card

- $200 initial bonus
- High rewards rate
- $0 annual fee
- 0% intro APR on purchases and balance transfers
- High regular APR
- Balance transfer fee
- Requires good/excellent credit
First Tech Choice Rewards World Mastercard® First Tech Choice Rewards World Mastercard®

- No membership fees
- 0% intro APR on balance transfers
- No balance transfer fee
- High rewards rate
- No intro APR on purchases
Wells Fargo Autograph℠ Card Wells Fargo Autograph℠ Card

- 20,000-point initial bonus
- 3 points / $1 spent in bonus categories
- $0 annual fee
- 0% for 12 months from account opening on purchases intro offer
- $600 in cell phone protection (subject to a $25 deductible)
- 19.74% - 29.74% Variable regular APR
- No balance transfer promotion
Best Unsecured Credit Cards of 2023

Best Unsecured Credit Cards Comparison
Credit Card | Best For | Annual Fee | Minimum Credit Required |
Capital One VentureOne Rewards Credit Card | Miles & No Annual Fee | $0 | Good |
U.S. Bank Visa® Platinum Card | 0% Intro APR | $0 | Good |
Credit One Bank® Platinum Visa® for Rebuilding Credit | Bad Credit | $75 intro 1st yr, $99 after | Bad |
Capital One QuicksilverOne Cash Rewards Credit Card | Fair Credit | $39 | Limited History |
Capital One Platinum Credit Card | No Credit | $0 | Limited History |
Citi® Double Cash Card – 18 month BT offer | Cash Back | $0 | Good |
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.
Why People Trust WalletHub
Unlike other sites that only promote cards they're paid by, WalletHub's editors focus on finding the best cards. WalletHub makes it easy to find the best unsecured credit cards.
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.show more
show less
Searching for answers... No Matching Results
What's the difference between secured and unsecured credit cards? Reply
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
Read More
Robert Kavesh Professor of Economics in the Leonard N. Stern School of Business at New York University
Read More
Associate Professor of Business at Miramar College
Read More
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.
Ad Disclosure Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
Your web browser (Internet Explorer) is out of date and no longer supported.
Please download one of these up-to-date, free and excellent browsers: