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Unsecured Credit Cards

5.0 5.0 - 95 reviews for top rated card

No one would blame you if you had to ask, "What is an unsecured credit card?" The truth though is that unsecured credit cards are simply what we all think of as “normal” credit cards. People often call them unsecured cards in order to differentiate them from their secured counterparts and indicate that you don’t need to place a security deposit in opening one. The quality of your credit history determines the unsecured credit card offers that you may be eligible for. Therefore, the first step in finding the best unsecured credit card for your needs is adjusting the…show more

    Chase Freedom® - $200 Bonus


    chase freedom credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Fee
    • Regular Rate 13.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $200
    • Earn Rate 1% - 5% cash back
    • For a limited time, earn a $200 Bonus after you spend $500 on purchases in your first 3 months from account opening
    • Earn a $25 Bonus after you add your first authorized user and make a purchase within this same 3-month period
    • 5% Cash Back on up to $1,500 in combined purchases between October 1 – December 31, 2014 at Amazon.com, Zappos.com and select department stores
    • You’ll enjoy new 5% categories every 3 months like gas stations, restaurants, and Amazon.com. It’s free and easy to activate your bonus each quarter!
    • Unlimited 1% Cash Back on all other purchases

    Blue Cash Everyday® Card from American Express


    blue cash credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% Fee
    • Regular Rate 12.99%-21.99%
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards Cash Back
    • Initial Bonus $50 + 1yr of Amazon Prime
    • Earn Rate 1% - 3% cash back
    • Get one year of Amazon Prime plus $50 back after you make $1,000 in purchases with your new Card in the first three months.
    • You will receive $50 back in the form of a statement credit.
    • Hassle-free cash back: no enrollment required, the same great reward categories year-round.
    • Earn Cash Back: 3% US supermarkets up to $6,000 per year in purchases, 2% at US gas stations & select US dept stores, 1% on other purchases. Terms and limitations apply.
    • Cash back is received in the form of Reward Dollars that can be redeemed as a statement credit.
    • Terms and restrictions apply.

    Capital One® VentureOne® Rewards Credit Card


    capital one ventureone rewards credit card
    • 0% Purchases until December 2015
    • 0% Transfers Not Offered
    • Regular Rate 11.9% - 19.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 20,000 miles
    • Earn Rate 1.25 miles / $1
    • Enjoy a one-time bonus of 20,000 miles once you spend $1,000 on purchases within the first 3 months, equal to $200 in travel
    • Earn unlimited 1.25 miles on every purchase, every day and pay no annual fee
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn

    Capital One® Venture® Rewards Credit Card


    capital one venture rewards credit card
    • 0% Purchases Not Offered
    • 0% Transfers Not Offered
    • Regular Rate 13.9% - 20.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0 for 1st yr, $59 after
    • Rewards Miles
    • Initial Bonus 40,000 miles
    • Earn Rate 2 miles / $1
    • Enjoy a one-time bonus of 40,000 miles once you spend $3,000 on purchases within the first 3 months, equal to $400 in travel.
    • Earn unlimited 2X miles on every purchase, every day.
    • Fly any airline, stay at any hotel, anytime.
    • Travel when you want—no blackout dates.
    • Miles don't expire and there’s no limit to how many you can earn

    Capital One® Platinum Prestige Credit Card


    capital one platinum prestige credit card
    • 0% Purchases until March 2016
    • 0% Transfers until March 20163% Fee
    • Regular Rate 10.9% - 18.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards None

    Citi® Double Cash Card


    citi cashreturns mastercard
    • 0% Purchases 15 months
    • 0% Transfers 15 months3% (min $5) Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards Cash Back
    • Initial Bonus None
    • Earn Rate 1% - 2% cash back
    • The only card that earns you cash back TWICE on every purchase with:
    • 1% cash back when you buy
    • Plus 1% cash back as you pay for those purchases, whether you pay in full or over time*
    • No Category Restrictions, No Caps, No Enrollments in Rotating Categories

    Capital One® Quicksilver® Cash Rewards Credit Card


    capital one quicksilver cash rewards credit card
    • 0% Purchases until September 2015
    • 0% Transfers until September 20153% Fee
    • Regular Rate 12.9% - 22.9% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Cash Back
    • Initial Bonus $100
    • Earn Rate 1.5% cash back
    • One-time $100 bonus after you spend $500 on purchases within the first 3 months.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Cash back doesn't expire and there’s no limit to how much you can earn

    Chase Slate®


    slate credit card
    • 0% Purchases 15 months
    • 0% Transfers 15 monthsNone Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0
    • Rewards None

    Barclaycard Arrival™ World MasterCard®


    barclaycard arrival world mastercard credit card with no annual fee
    • 0% Purchases Not Offered
    • 0% Transfers 12 months3% Fee
    • Regular Rate 14.99% - 18.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee None
    • Rewards Miles
    • Initial Bonus 20,000 miles
    • Earn Rate 1 - 2 miles/$1
    • Earn 20,000 bonus miles when you spend $1,000 on purchases in the first 90 days — that's enough to redeem for a $200 travel statement credit
    • Earn 2X miles on travel and dining and 1X miles on all other purchases
    • Miles don't expire as long as your account is open, active and in good standing
    • Get 10% miles back to use toward your next redemption every time you redeem for travel statement credits

    Citi Simplicity® Card


    citi simplicity credit card
    • 0% Purchases 18 months
    • 0% Transfers 18 months3% (min $5) Fee
    • Regular Rate 12.99% - 22.99% (V)
    Apply Now at issuer's secure site
    • Annual Fee $0*
    • Rewards None
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    We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information.

    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

    Ad Disclosure: Certain offers originate from paying advertisers, and this will be noted on a card's details page using the designation "Sponsored Card", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At CardHub we try to list as many credit card offers as possible and currently have more than 1,200 offers, but we do not make any representation of listing all available offers.

    Ask our Experts
    EXPERT’S ANSWERS

    What are the pros & cons of unsecured credit cards?

    By: Odysseas Papadimitriou, CardHub CEOFirst of all, it’s important to note that when you consider the pros and cons of unsecured credit cards, you’re essentially comparing them to secured credit cards. With that being said, the pros of unsecured credit cards are: 1) No security deposit is needed, which allows you to stay more liquid; 2) They provide a line of credit; 3) Rewards are both more prevalent and more lucrative.

    On the other hand, the cons of unsecured credit cards are: 1) They are harder to get approved for, since the lack of a security deposit exposes banks to potential losses and defaults; 2) They enable you to spend beyond your means.

    Are there different types of unsecured credit cards?

    By: Odysseas Papadimitriou, CardHub CEOGiven that no security deposit credit cards are what most people refer to when they use the generic term “credit cards,” there are, of course, many different kinds. Unsecured credit cards vary on a number of levels, including their target consumer market (e.g. business, student), their specific features (e.g. rewards, 0% APR) and the minimum credit standing required for approval (e.g. good credit, fair credit). One type of card that may lead to some confusion is what’s known as a partially unsecured credit card. These cards, which we list on the Secured Credit Cards page, may require a security deposit that is smaller than the credit line that you get (the Capital One Secured Credit Card is a good example).

    So, with all of the different types of credit cards with no security deposit, you may be wondering which is best. The list of “best unsecured credit cards,” changes constantly and varies based on both your credit standing and needs. Therefore, checking out our Editor’s Best section could be a great starting point.

    Who should & shouldn’t get an unsecured credit card?

    By: John Kiernan, Personal Finance EditorWhether or not you should apply for an unsecured credit card depends on your credit standing:

    Damaged Credit: If you have damaged credit, your focus should really be on rebuilding your credit standing. Aside from the fact that unsecured credit cards for bad credit might not even be available, secured cards are much better suited to accomplishing this objective for three reasons: 1) They are much easier to get approved for, since they require a security deposit; 2) The security deposit makes high fees unnecessary and secured cards thereby cheaper alternatives; 3)The fact that the security deposit equals your credit line makes it impossible to spend beyond your means.

    Limited Credit: From a credit card company’s perspective, people with limited or no credit history can be put into one of two groups: students and everyone else. The focus of anyone with limited or no credit should be building credit as inexpensively as possible. With this in mind, whether the card is secured or unsecured doesn’t really matter and college students should focus their search on no annual fee student cards, while everyone else should check out all of the no annual fee credit cards for limited credit.

    Good or Excellent Credit: Pretty much anyone in this category should opt for an unsecured credit card, given that the rewards, interest rates and lines of credit simply cannot be matched by secured cards.

    I have bad credit; can I get an unsecured credit card?

    By: Odysseas Papadimitriou, CardHub CEOThe new credit card law (the CARD Act) has made it generally not profitable for credit card companies to offer unsecured credit cards to people with bad credit. The reason for this is that the law prevents issuers from charging fees that total more than 25% of a card’s credit limit during the first year. Since it is difficult to manage the inherent risk involved with offering unsecured cards to people with bad credit without these fees, most companies have ceased doing so. Nevertheless, you might want to check back from time to time in order to see if a new unsecured credit card offer has been added to our database.

    How does the economy impact unsecured credit card offerings?

    By: John Kiernan, Personal Finance EditorFor people with the highest credit scores, the economic landscape does not affect the overall availability of unsecured credit card applications but does impact the terms that are offered. During times of financial hardship, interest rates rise and rewards fall. During times of financial recovery, credit card companies are very competitive in their pursuit of the most exemplary consumers and offer initial rewards bonuses and 0% introductory interest rates as part of their courtship.

    On the other hand, the economy dictates whether unsecured credit cards for fair or limited credit history are available at all. When times are tough, issuers become more conservative and usually do not wish to incur the added risk of offering credit cards with no security deposit to unproven consumers. During those times, secured cards are the only option available.
    COMMUNITY DISCUSSION

    Help others find the best credit card by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    October 23, 2014
    Photo of Anoop S.
    By:
    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. more
    October 6, 2014
    Photo of Brutus S.
    By:
    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 more
    September 27, 2014
    Photo of Marino J.
    By:
    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%.
    August 2, 2014
    Photo of Aloysius C.
    By:
    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!
    June 29, 2014
    Photo of Amanda F.
    By:
    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.
    May 29, 2014
    Photo of Melissa L.
    By:
    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 more
    May 10, 2014
    Photo of Jennifer M.
    By:
    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.
    April 4, 2014
    Photo of Jessica W.
    By:
    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.
    March 24, 2014
    Photo of Franklin C.
    By:
    i need unsecured credit cards.
    March 24, 2014
    Photo of Card H.
    On this page you can find a wide selection of unsecured credit cards.
    March 19, 2014
    Photo of David P.
    By:
    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 more
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