Best Unsecured Credit Cards
WalletHub makes it easy to find the best unsecured credit card for you.
The best unsecured credit cards can help you build credit, finance purchases and earn rewards, all without having to put down a deposit. You should have an unsecured credit card in your wallet, especially if you have ... show more... show more
Best Unsecured Credit Cards
FILTER UNSECURED CREDIT CARDS
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- Earn a $200 initial bonus
- 1.5% cash back on all purchases
- No annual fee
- 0% intro APR for 15 months on purchases and balance transfers (balance transfer fees apply)
- Potential for a very high interest rate - 18.49% - 28.49% (V)
- Balance transfer fee
- Available to applicants with good/excellent credit
- Earn a 20,000 miles initial bonus
- Unlimited 1.25 miles per $1 on every purchase
- Miles are redeemable for any travel-related expense on your bill
- No annual fee
- Balance transfer fee
- Potential for a very high regular APR
- No membership fees
- Intro APR on purchases
- Intro APR on balance transfers
- High rewards rate
- Spending caps on rewards
- No initial rewards bonus
- Balance transfer fee
- Earn a $200 initial bonus
- High rewards rate
- $0 annual fee
- High regular APR - 18.49% - 28.49% (V)
- Balance transfer fee
- Available to people with good/excellent credit
- 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
- $200 cash rewards bonus
- $0 annual fee
- 2% cash rewards on purchases
- 0% introductory APR
- High regular APR
- Foreign transaction fee
- Balance transfer fee
- Earn a 75,000 miles bonus
- Unlimited 2 miles per $1 on every purchase
- Redeem for any-travel related expense
- $0 foreign transaction fee
- Annual fee
- Not built for financing
- $250 initial bonus
- Earn rate: 1.5 - 5% cash back
- 0% for 15 months on purchases and balance transfers
- $0 annual fee
- Balance transfer fee
- Foreign transaction fee
- Potential for a high regular APR
- Earn a 75,000-mile initial bonus
- 2 - 10 miles per $1 spent on purchases
- Annual credit & bonus opportunities
- Airport lounge access
- $395 annual fee
- Not good for financing
- Available to people with excellent credit
- 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)
- 18.49%, 24.49%, or 28.49% Variable regular APR
- No balance transfer promotion
Unsecured Credit Cards FAQ
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What is an unsecured credit card?
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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Important Disclosures
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Advertisers compensate WalletHub when you click on a link, or your application is approved, or your account is opened. Advertising impacts how and where offers appear on this site (including, for example, the order in which they appear and their prevalence). At WalletHub, we try to list as many credit card offers as possible and currently have more than 1,500 offers, but we do not list all available offers or financial service companies.
Advertising enables WalletHub to provide you proprietary tools, services, and content at no charge. Advertising does not impact WalletHub's editorial content including our best credit card picks, reviews, ratings and opinions. Those are completely independent and not provided, commissioned, or endorsed by any issuer, as our editors follow a strict editorial policy.
WalletHub is not a financial advisor. Our goal is to provide you with top-notch content, data, and tools. You are responsible for deciding what financial products and providers are best for your needs.
Irrespective of whether an institution or professional is a paid advertiser, the presence of information on WalletHub does not constitute a referral or endorsement of the institution or professional by us or vice versa.
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.
* The information about the following cards has been independently collected by WalletHub: First Hawaiian Bank Heritage Credit Card, Petal® 2 Visa® Credit Card, OneMain Financial BrightWay® Card, Capital One Spark Classic for Business, U.S. Bank Secured Visa® Card, Total Visa® Card, Best Buy® Credit Card, Bank of America® Premium Rewards® credit card, Fingerhut Credit Account, Milestone® Mastercard®, and First Federal Community Bank Zero+ Card.
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