Without SSN
Apply now
On Capital One‘s site

Best Unsecured Credit Cards of November 2022

Compare 43 unsecured credit cards on Myfin.us.

By Myfin Team
Reviewed by Anastasia Staples
Updated November 29, 2022

Best Credit Cards for Unsecured in November 2022

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Capital One Platinum Credit Card best for Without SSN

Platinum Mastercard Capital One
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
2.91
scorer
Credit score
Fair (580-669)
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    Want a great incentive to pay your bills on time? With this card you can get access to a higher credit line in as little as six months. And if you maintain your credit utilization rate, this card has the potential to improve your credit scores too.

  • Pros:
    • No annual fees
    • No charges for foreign transaction fees
    • Automatic consideration for higher credit limit after as little as six months
    • $0 fraud liability if ever your card is lost or stolen
  • Cons:
    • High variable APR of 28.49%
    • No rewards system
  • Benefits:
    • No Foreign Transaction Fees;
    • $0 Fraud Liability;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Autopay;
    • 24/7 Customer Service.
View all Platinum Mastercard details
Apply now
On Capital One‘s site
Card detail

Capital One QuicksilverOne Cash Rewards Credit Card best for Fair credit

QuicksilverOne Capital One
Annual fee:
$39 annually
Regular APR:
28.49% Variable
Our Rating:
3.64
scorer
Credit score
Fair to Good (580-739)
  • Rewards Rate:
    • 1.5% Cash Back on every purchase.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    Looking to earn high rewards from your card? A generous option from Capital One is the QuicksilverOne Cash Rewards card, which offers long-term value. Aside from early consideration for higher credit, you only need to spend $2,600 a year ($217 a month) to earn enough in rewards , so you won’t have to worry about the annual $39 fee.

  • Pros:
    • Unlimited 1.5% cash back on all purchases
    • You can redeem your cash back for a check, gift cards, or use it on your bill
    • Automatic consideration for higher credit limit after as little as six months
    • $0 fraud liability if your card is lost or stolen
  • Cons:
    • Annual fees ($39)
    • Variable APR of 28.49%
  • Benefits:
    • 1.5% Cash Back;
    • No Foreign Transaction Fees;
    • Autopay;
    • $0 Fraud Liability;
    • Card Lock;
    • ATM Location Services.
View all QuicksilverOne details
Apply now
On Capital One‘s site
Card detail

Journey Student Rewards from Capital One best for Without SSN

Capital One Journey Student
Annual fee:
$0
Regular APR:
28.49% Variable
Our Rating:
3.79
scorer
Credit score
Fair (580-669)
  • Rewards Rate:
    • 1% Cash Back on all your purchases. Pay on time to boost your Cash Back to a total of 1.25% for that month.
  • Balance Transfer APR:
    28.49% Variable
  • Issuer name:
    Capital One
  • Details:

    Build credit history with Journey Student Credit Card. Earn 1% Cash Back on all your purchases. Pay on time to boost your Cash Back to a total of 1.25% for that month.

    The Journey Student Card has no annual fee or foreign transaction fees. The Card's APR: 28.49% Variable.

  • Pros:
    • Rewards program with bonus points
    • No annual fee
    • Automatic credit limit increase reviews
    • No foreign transaction fees
    • Reports to three major credit bureaus
  • Cons:
    • High APR
    • No bonus categories
  • Benefits:
    • 1% Cash Back on every purchase;
    • 1.25% extra Cash Back;
    • No Foreign Transaction Fees;
    • ATM Location Services;
    • Emergency Card Replacement;
    • Travel rewards cards;
    • Fraud Coverage.
View all Journey Student Credit Card details
Apply now
On Capital One‘s site
Card detail

The Bank of Missouri FIT® Platinum Mastercard® best for Unsecured

FIT® Platinum Mastercard® The Bank of Missouri
Annual fee:
$99 annually
Regular APR:
29.99% Variable
Our Rating:
3.9
scorer
Credit score
No Credit History to Poor (0-579)
    • Issuer name:
      The Bank of Missouri
    • Details:

      Try to improve your credit? The FIT® Platinum Mastercard® credit card helps cardholders by reporting card activity to all three major credit bureaus. With an initial credit limit of $400, users become eligible for an increase by depositing on-time payments and staying under the credit limit. You can also receive your free monthly credit scores online.

    • Pros:
      • An initial credit limit of $400
      • Potential credit limit increase after just six months
      • $0 fraud liability coverage
      • All credit types welcome to apply
      • Reporting to three major credit bureaus
    • Cons:
      • No rewards program, cash back, or sign-up bonus
      • High annual fee ($99)
      • Foreign transaction fees (3%)
      • You will have to pay a one-time $89 processing fee
      • $6.25 monthly maintenance fee after your first year
    • Benefits:
      • $0 Fraud Liability;
      • Initial Credit Limit of $400;
      • Potential Credit Limit Increase After Just 6 Months;
      • Free Monthly Credit Score;
      • Reports to All Three Major Credit Bureaus.
    View all FIT® Platinum Mastercard® details
    Apply now
    On The Bank of Missouri‘s site
    Card detail
    Upgrade Triple Cash Rewards Visa® Upgrade
    Annual fee:
    $0
    Regular APR:
    14.99% - 29.99% Regular
    Our Rating:
    3.53
    scorer
    Credit score
    Fair to Excellent (580-799)
    • Rewards Rate:
      • 3% Cash Back on Home, Auto and Health categories.
      • 1% Cash Back on everything else.
    • Intro Offer:
      • $200 Bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening). *
    • Details:

      The Upgrade Triple Cash Rewards Visa® Credit Card offers 3% Cash Back on home, auto and health purchase and 1% Cash Back on everything else.

      Earn a $200 welcome bonus when you open a Rewards Checking account and make 3 debit card transactions (within 60 days of your Upgrade Card account opening).

      The card's APR: 14.99% - 29.99% (Regular APR).

      Apply online and get a credit line from $500 to $25,000 with your Card.

      Read full review

    • Pros:
      • Every Purchase Earns You Cash Back
      • Increased Cash Back for Three Categories
      • Forget About Fees
      • No Limits Abroad
    • Cons:
      • You Can’t Withdraw Cash
      • Cash Back Doesn’t Satisfy Your Monthly Payments
    • Benefits:
      • $200 bonus;
      • 3% Cash Back on home, auto and health purchase;
      • 1% Cash Back on everything else;
      • Сontactless card technology.

      *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1 - 2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.

    View all Upgrade Triple Cash Rewards Visa® details
    Apply now
    On Upgrade‘s website
    Card detail

    Celtic Bank Surge® Platinum Mastercard® best for Walmart purchases

    Celtic Bank Surge® Platinum Mastercard®
    Annual fee:
    $75 - $99 annually
    $99 annually
    Regular APR:
    24.99% - 29.99% Variable
    Our Rating:
    3.2
    scorer
    Credit score
    No Credit History to Poor (0-579)
      • Issuer name:
        Celtic Bank
      • Details:

        Also a product by one of America’s leading servicers for those who want to improve their credit, this card has generous offers such as a high credit limit, whcih can potentially increase in just six months.

      • Pros:
        • Initial credit limit runs from $300 to $1,000
        • Credit limit has potential to increase after just six months
        • Monthly reporting to the three major credit bureaus
        • Free monthly credit score from Experian when you sign up for electronic statements
      • Cons:
        • No rewards or perks
        • Annual fee: $75 - $99 the first year; after that, it’s $99 annually
        • Monthly maintenance fee: $0 to $10 per month or up to $120 annually. (This fee is waived during the first year of opening an account).
        • Late payment fee: $40
        • High APR of 24.99% - 29.99%
      • Benefits:
        • $0 Fraud Liability;
        • Monthly reporting to the three major credit bureaus;
        • Possible credit limit increase after just six months;
        • Free Monthly Credit Score.
      View all Surge® Platinum Mastercard® details
      Apply now
      On Celtic Bank‘s site
      Card detail
      Merit Platinum
      Annual fee:
      See website for details*
      Regular APR:
      None
      Our Rating:
      3.8
      scorer
      Credit score
      No Credit History to Poor (0-579)
        • Details:

          The Merit Platinum Card is an online shopping card for people with bad credit or no credit.

          The card provides you with a merchandise credit line of $750*.

          Read full review

        • Pros:
          • Fast and Easy Application
        • Cons:
          • Valid at the Horizon Outlet store
        • Benefits:
          • $750 Merchandise Credit Line*;
          • No Employment or Credit Check.
        View all Merit Platinum details
        Apply now
        On Meritplatinum‘s website
        Card detail
        Double Your Line® Mastercard® Merrick Bank
        Annual fee:
        $0 - $72 annually
        Regular APR:
        22.45% - 30.70% *Variable
        Our Rating:
        4.1
        scorer
        Credit score
        No Credit History to Excellent (0-799)
          • Issuer name:
            Merrick Bank
          • Details:

            The Merrick Bank Double Your Line® Mastercard® is good for people looking to build or rebuild credit.

            Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.

            The APR for purchases is 22.45% - 30.70% (Variable). The card's annual fee: $0 - $72 annually.

            Credit lines range from $550 - $1,350 which double to $1,100 - $2,700 after your account qualifies. No security deposit required.

            Read full review

          • Pros:
            • Double your credit line
            • $0 fraud liability
            • No security deposit is required
            • A free FICO score each month
            • A poor credit score is enough to apply
          • Cons:
            • High variable APR
            • No rewards
            • No balance transfer option
            • Cash advance fee
          • Benefits:
            • $0 Fraud Liability;
            • Double Your Line®;
            • Exclusive Platinum Mastercard® Benefits.
          View all Double Your Line® Mastercard® details
          Apply now
          On Merrick Bank‘s site
          Card detail

          WebBank Petal® 2 “Cash Back, No Fees” Visa® best for Beginner, No history

          Petal® 2 “Cash Back, No Fees” Visa® WebBank
          Annual fee:
          $0
          Regular APR:
          15.99% - 29.99% Variable
          Our Rating:
          3.8
          scorer
          Credit score
          No Credit History to Excellent (0-799)
          • Rewards Rate:
            • 1% - 1.5%:
            • Cash Back after making 12 on-time monthly payments.
            • 2% - 10%:
            • Cash Back from select merchants.
          • Issuer name:
            WebBank
          • Details:

            The Petal 2 Card has no fees of any kind and is designed to help you build credit.

            The credit limit is from $500 - $10,000.

            Grow your credit score with responsible spending and on-time payments.

            Get 1% cash back right away. Earn up to 1.5% when you pay on time. Plus 2% - 10% bonus cash back at select merchants.

            Freeze your card at any time to protect your account. And rest easy knowing your data is safe and encrypted.

            Read full review

          • Pros:
            • No annual fee
            • No returned payment fee
            • No foreign transaction fee
            • You can apply even if you have no credit history
            • No late fees
          • Cons:
            • No signup bonus
            • Cash advances are not permitted
            • Those who filed for bankruptcy may be rejected
            • Balance transfers are not allowed
            • No intro APR offer
          • Benefits:
            • No foreign transaction fee;
            • Petal 2 reports to all 3 major credit bureaus;
            • Qualify with average credit.
          View all Petal® 2 “Cash Back, No Fees” Visa® details
          Apply now
          On WebBank‘s site
          Card detail
          First Access Visa® The Bank of Missouri
          Annual fee:
          $75 annual fee for first year
          $48 annually
          Regular APR:
          34.99%
          Our Rating:
          4.2
          scorer
          Credit score
          No Credit History to Fair (0-669)
            • Issuer name:
              The Bank of Missouri
            • Details:

              The First Access Card is a true VISA® credit card that does not require perfect credit for approval.

              The First Access Visa Card's APR: 34.99%.

              The First Access Visa Credit Card is not a secured credit card, meaning applicants don’t have to have the amount of their credit limit as a deposit.

              Read full review

            • Pros:
              • Available to those with bad credit
              • Reports to three major credit bureaus
              • Easy application
              • No security deposit
            • Cons:
              • High APR
              • Several fees
              • Low credit limit
              • No rewards
            • Benefits:
              • First Access Visa credit card accepted nationwide;
              • Rebuild your credit;
              • Easy and Secure Online Application.
            View all First Access Visa® details
            Apply now
            On the First Access Visa® Card secure website
            Card detail

            Celtic Bank Reflex® Platinum Mastercard® best for Unsecured

            Reflex® Platinum Mastercard®​ Celtic Bank
            Annual fee:
            $75 - $99 for the first year
            $99 after the first year
            Regular APR:
            24.99% - 29.99% Variable
            Our Rating:
            3.8
            scorer
            Credit score
            No Credit History to Good (0-739)
              • Issuer name:
                Celtic Bank
              • Details:

                Rated A+ by the Better Business Bureau, the Reflex® Platinum Mastercard® is a product by one of the leading service providers for those with less-than-perfect credit. While it does have high fees, there are also high rewards.

                This card caters to people who plan to pay their monthly payments early or on time. So if you make your first six monthly payments on time, you can already double your credit limit from $1,000 to $2,000.

              • Pros:
                • Initial credit limit from $300 to $1,000
                • Credit limit has potential to increase after just six months
                • Monthly reporting to the three major credit bureaus
                • Free monthly credit score from Experian when you sign up for electronic statements
              • Cons:
                • Annual fee at $75 - $99 for the first year, after that $99 annually
                • $0 maintenance fee in the first year. After that, $120 annually, billed at $10 per month
                • Variable APR of 24.99% - 29.99%
                • Foreign transaction fees (3%)
              • Benefits:
                • $0 Fraud Liability;
                • Potential Credit Limit Increase After Just 6 Months;
                • Free Monthly Credit Score;
                • Monthly Reporting to All Three Major Credit Bureaus;
                • Credit Protection program.
              View all Reflex® Platinum Mastercard® details
              Apply now
              On Celtic Bank‘s site
              Card detail

              Celtic Bank Indigo® Mastercard® best for Unsecured

              Indigo® Mastercard® Celtic Bank
              Annual fee:
              $0 - $99 annually
              Regular APR:
              24.9%
              Our Rating:
              3.7
              scorer
              Credit score
              No Credit History to Fair (0-669)
                • Issuer name:
                  Celtic Bank
                • Details:

                  The Indigo® Mastercard® is perfect for those whose credit line has been damaged. Even if you don't get rewards, these lenders regularly report to three major credit bureaus (TransUnion, Equifax, Experian), so you can build a better credit history.

                  Those with poor credit are likely to pay an annual fee of $59 to $99 dollars. Although, for new cardholders, the annual fee drops down to $75 for the first year.

                  The card is also travel-friendly, since Mastercard® is widely accepted around the United States.

                • Pros:
                  • Possible $0 annual fee option for those who qualify, usually for those with better credit
                  • Get pre-qualified fast without impact on your credit score
                  • Multiple free options for extra card designs
                  • Credit limit of up to $300
                • Cons:
                  • Relatively high annual fees of up to $99
                  • Regular APR at 24.9%
                  • No rewards
                • Benefits:
                  • A low foreign transaction fee of 1 percent;
                  • Choice of Card Image;
                  • Fraud Protection;
                  • 24/7 Account Access;
                  • Extended warranty coverage.
                View all Indigo® Mastercard® details
                Apply now
                On Celtic Bank‘s site
                Card detail
                Total Visa® The Bank of Missouri
                Annual fee:
                $164 for first year (including one-time program fee of $89)
                $48 annually *
                Regular APR:
                34.99% *
                Our Rating:
                3.32
                scorer
                Credit score
                Rebuilding Credit to Fair (0-669)
                  • Issuer name:
                    The Bank of Missouri
                  • Details:

                    The Total Visa® Unsecured is part of the globally acknowledged Visa network. This card is easy to get, and easy to apply for, with an application process that will only take you 60 seconds.

                    Plus, the Total Visa® Unsecured card also features manageable monthly fees, an annual fee drop, and several card designs to choose from.

                  • Pros:
                    • Monthly reporting to the three major credit bureaus
                    • Accepted by merchants across the US and online
                    • Multiple card designs
                    • Annual fee drops to $48 after the first year
                    • Waived monthly servicing fee for your first year
                    • Cash advance fee waived in the first year
                  • Cons:
                    • $89 program fee to open your account
                    • Additional $6.25 monthly servicing fee after first year
                    • No rewards or cash back for purchases
                    • Annual fee ($164 for the first year, $48 thereafter)
                  • Benefits:
                    • $0 fraud liability;
                    • Reports monthly to all three major credit bureaus;
                    • Manageable monthly payments;
                    • Select your favorite card design for free.
                  View all Total Visa® Unsecured details
                  Apply now
                  On the Total Visa® Card secure website
                  Card detail

                  The Bank of Missouri Milestone Mastercard® best for Unsecured

                  Milestone Mastercard® The Bank of Missouri
                  Annual fee:
                  $35 - $99 Dependent on credit worthiness
                  Regular APR:
                  24.9%
                  Our Rating:
                  3.5
                  scorer
                  Credit score
                  No Credit History to Fair (0-669)
                    • Issuer name:
                      The Bank of Missouri
                    • Details:

                      If you’re worried about the application process for a credit card, the Milestone Mastercard® offers easy pre-qualification with zero effect on your credit score. You can easily use this Mastercard® online, in store, and in-app.

                    • Pros:
                      • Monthly reporting to all three major credit bureaus
                      • Usability wherever Mastercard® is accepted in the U.S.
                      • Offers zero liability protection and identity theft monitoring, as well as fraud protection in case of loss or stolen card
                      • $300 initial credit limit
                    • Cons:
                      • Annual fee of $35 - $99, depending on your credit worthiness
                      • No rewards or additional perks
                      • No intro APR and high ongoing APR of 24.9%
                    • Benefits:
                      • Fraud Protection;
                      • Credit Bureau Reporting;
                      • Extended warranty coverage;
                      • Mastercard Global Service;
                      • Easy Pre-Qualification;
                      • Full Mastercard Perks;
                      • 24/7 Account Management.
                    View all Milestone Mastercard® details
                    Apply now
                    On The Bank of Missouri‘s site
                    Card detail

                    Credit One® Bank Platinum Visa For Rebuilding Credit best for Retired person

                    Platinum Visa For Rebuilding Credit Credit One Bank
                    Annual fee:
                    $75 for the first year
                    $99 annually
                    Regular APR:
                    25.49% Variable
                    Our Rating:
                    1.57
                    scorer
                    Credit score
                    No Credit History to Fair (0-669)
                    • Rewards Rate:
                      • 1% Cash Back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.
                    • Issuer name:
                      Credit One® Bank
                    • Details:

                      This is one of the highest-rated cards for those looking to improve their FICO credit score. You can go to the Credit One website for a soft credit check to see if you prequalify — all in less than a minute. This card also offers automatic reviews to see if you’re accepted for a credit line increase.

                    • Pros:
                      • 1% cash back rewards on gas and grocery purchases, as well as internet, mobile phone, cable and satellite TV services
                      • Initial credit limit starting at $300
                      • Free Experian credit score and regular report summary
                      • $0 fraud liability
                    • Cons:
                      • Annual fee of $75 for the first year, $99 thereafter
                      • High variable purchase APR of 25.49%
                      • Foreign transaction fee: 3% in US dollars (or $1, whichever is greater)
                    • Benefits:
                      • 1% Cash Back Rewards;
                      • Zero Fraud Liability;
                      • Free online access to your Experian credit score;
                      • Choose Your Payment Due Date.
                    Card detail

                    Celtic Bank Deserve® PRO Mastercard best for Unsecured

                    Deserve® PRO Mastercard Celtic Bank
                    Annual fee:
                    $0
                    Regular APR:
                    18.24% - 25.24% Variable
                    Our Rating:
                    2.58
                    scorer
                    Credit score
                    Good to Excellent (670-799)
                    • Rewards Rate:
                      • 3% Cash Back on travel.
                      • 2% Cash Back on restaurants.
                      • 1% Cash Back on everything else.
                    • Issuer name:
                      Celtic Bank
                    • Details:

                      This is a great starter card with generous options in cash back rewards. Some of the perks include waived fees on your first late payment, a Priority Pass membership for one year, and more. Take note that you need a credit score of 640 or higher to be considered for this card.

                    • Pros:
                      • Good cash back rewards: 3% cash back on travel, 2% cash back on restaurants, 1% cash back on everything else
                      • No annual fee or foreign transaction fees
                      • No need for credit history (depending on income and employment)
                      • Extra Perks: 12 months of Amazon Prime Student, cell phone coverage of up to $600 when you pay your phone bill with Deserve, and more
                    • Cons:
                      • No sign-up bonus
                      • No intro APR period
                      • Variable APR of 18.24% - 25.24%
                    • Benefits:
                      • 3% Cash Back on travel;
                      • 2% Cash Back on restaurants;
                      • 1% Cash Back on everything else;
                      • Cellphone Protection up to $600;
                      • Collision Damage Waiver;
                      • Mastercard World Benefits.
                    Card detail

                    First Electronic Bank Destiny® Mastercard® best for Unsecured

                    Destiny® Mastercard® First Electronic Bank
                    Annual fee:
                    *see terms*
                    Regular APR:
                    24.9% Regular
                    Our Rating:
                    1.69
                    scorer
                    Credit score
                    No Credit History to Fair (0-669)
                      • Issuer name:
                        First Electronic Bank
                      • Details:

                        With an easy application and easy process to pay online, what’s not to like? Even those with prior bankruptcies may qualify through the quick prequalification. This is best for people with less than perfect credit, from poor credit (300 to 579) to fair credit (580 to 669). However, all are welcome to apply.

                      • Pros:
                        • Pre-qualify without impacting your credit score
                        • Worry-free fraud protection
                        • Rebuild credit through monthly reporting to the three major credit bureaus
                        • Credit limit at $300, with increases as you qualify for higher credit limits
                      • Cons:
                        • High annual fees (*see terms* to $)
                        • Relatively high APR of 24.9%
                      • Benefits:
                        • Mastercard® benefits;
                        • Fraud protection;
                        • Choice of Card Designs;
                        • Reports to all three major credit bureaus.
                      Card detail

                      Best Unsecured Credit Cards For Bad to Fair Credit

                      You might not be familiar with the term “unsecured” credit cards — that’s just because it’s another name for a «regular» credit card. This is the most popular kind of cards because there is zero collateral or security deposit required, unlike with secured credit cards.

                      Credit cards are never a one-size-fits-all type of situation, so it’s important to consider what options will benefit you in the long run. Whether you're looking for your first card or rebuilding credit, applying for a new credit card can seem overwhelming.

                      There isn't just one step in the process so before you find the right card for you, you need to consider what best fits your needs. It’s difficult to learn how to manage credit cards and personal finances, so it’s equally as challenging to get ahead when you find yourself with less-than-perfect credit.

                      For an unsecured card, you need creditworthiness to qualify, usually with a credit score of 690 or better, although there are exceptions. And if you look at the selection of cards today there are many unsecured cards to choose from if you’re committed to improving your credit.

                      Short Review of Best Unsecured Credit Cards For Bad to Fair Credit

                      NameBest forRewards RateAPRApply
                      Capital One Platinum Credit Card
                      2.91
                      Without SSN
                    • This card doesn't offer cash back, miles or points.
                    • 28.49% VariableApply now
                      On Capital One‘s site
                      Capital One QuicksilverOne Cash Rewards Credit Card
                      3.64
                      Fair credit
                    • 1.5% Cash Back on every purchase.
                    • 28.49% VariableApply now
                      On Capital One‘s site
                      Journey Student Rewards from Capital One
                      3.79
                      Without SSN
                    • 1% Cash Back on all your purchases. Pay on time to boost your Cash Back to a total of 1.25% for that month.
                    • 28.49% VariableApply now
                      On Capital One‘s site
                      The Bank of Missouri FIT® Platinum Mastercard®
                      3.9
                      Unsecured
                    • This card doesn't offer cash back, miles or points.
                    • 29.99% VariableApply now
                      On The Bank of Missouri‘s site
                      Upgrade Triple Cash Rewards Visa®
                      3.53
                    • 3% Cash Back on Home, Auto and Health categories.
                    • 1% Cash Back on everything else.
                    • 14.99% - 29.99% RegularApply now
                      On Upgrade‘s website
                      Celtic Bank Surge® Platinum Mastercard®
                      3.2
                      Walmart purchases
                    • This card doesn't offer cash back, miles or points.
                    • 24.99% - 29.99% VariableApply now
                      On Celtic Bank‘s site
                      Merit Platinum
                      3.8
                    • This card doesn't offer cash back, miles or points.
                    • NoneApply now
                      On Meritplatinum‘s website
                      Merrick Bank Double Your Line® Mastercard®
                      4.1
                    • This card doesn't offer cash back, miles or points.
                    • 22.45% - 30.70% *VariableApply now
                      On Merrick Bank‘s site
                      WebBank Petal® 2 “Cash Back, No Fees” Visa®
                      3.8
                      Beginner, No history
                    • 1% - 1.5%:
                    • Cash Back after making 12 on-time monthly payments.
                    • 2% - 10%:
                    • Cash Back from select merchants.
                    • 15.99% - 29.99% VariableApply now
                      On WebBank‘s site
                      The Bank of Missouri First Access Visa®
                      4.2
                    • This card doesn't offer cash back, miles or points.
                    • 34.99%Apply now
                      On the First Access Visa® Card secure website
                      Celtic Bank Reflex® Platinum Mastercard®
                      3.8
                      Unsecured
                    • This card doesn't offer cash back, miles or points.
                    • 24.99% - 29.99% VariableApply now
                      On Celtic Bank‘s site
                      Celtic Bank Indigo® Mastercard®
                      3.7
                      Unsecured
                    • This card doesn't offer cash back, miles or points.
                    • 24.9%Apply now
                      On Celtic Bank‘s site
                      The Bank of Missouri Total Visa® Unsecured
                      3.32
                    • This card doesn't offer cash back, miles or points.
                    • 34.99% *Apply now
                      On the Total Visa® Card secure website
                      The Bank of Missouri Milestone Mastercard®
                      3.5
                      Unsecured
                    • This card doesn't offer cash back, miles or points.
                    • 24.9%Apply now
                      On The Bank of Missouri‘s site
                      Credit One® Bank Platinum Visa For Rebuilding Credit
                      1.57
                      Retired person
                    • 1% Cash Back rewards on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services.
                    • 25.49% VariableLearn more
                      Celtic Bank Deserve® PRO Mastercard
                      2.58
                      Unsecured
                    • 3% Cash Back on travel.
                    • 2% Cash Back on restaurants.
                    • 1% Cash Back on everything else.
                    • 18.24% - 25.24% VariableLearn more
                      First Electronic Bank Destiny® Mastercard®
                      1.69
                      Unsecured
                    • This card doesn't offer cash back, miles or points.
                    • 24.9% RegularLearn more

                      Who should apply

                      Capital One Platinum Credit Card

                      If you are just beginning your financial journey, the $0 annual fee is a great advantage. The recommended credit score is fair (580 to 669). Plus, after six months, you can be considered for a higher credit limit, especially if you pay your bill on time.

                      Read more about Capital One Platinum Credit Card

                      Capital One QuicksilverOne Cash Rewards Credit Card

                      This card is ideal if you have fair credit and are looking for a card with a high rewards rate. If you like to manage your finances online, this card also lets you monitor your credit profile with the CreditWise app. Overall, it’s easy to manage your account with the Capital One app.

                      Read more about Capital One QuicksilverOne Cash Rewards Credit Card

                      The Bank of Missouri FIT® Platinum Mastercard®

                      This is the best for those building credit for the first time or repairing their current credit history. There are low eligibility requirements for the card so anybody can apply. After six months of timely payments, the maximum credit limit increases up to $800, so you can keep it running for a long time. This is also a good card if you want to be fully protected from fraud, so no need to fret about any unauthorized transactions.

                      Read more about The Bank of Missouri FIT® Platinum Mastercard®

                      Celtic Bank Surge® Platinum Mastercard®

                      This unsecured credit card is good for people with limited or poor credit who want to improve their credit score. It has the potential to be an effective tool to build credit as the issuer reports your card acticity to the three major credit bureaus. Users can keep track with electronic statements too.

                      Read more about Celtic Bank Surge® Platinum Mastercard®

                      Celtic Bank Reflex® Platinum Mastercard®

                      This card caters to people with bad credit whose goal is to improve their finances and especially those who are dedicated to paying their bills on time. Although you have to pay high fees and high interest, it may be worth it when your credit limit increases.

                      Read more about Celtic Bank Reflex® Platinum Mastercard®

                      Celtic Bank Indigo® Mastercard®

                      With multiple options for colorful card designs, Indigo appeals to those who express themselves creatively. If you are looking to rebuild credit in a fun way, this could be for you. Keeping track of your payments is the key factor here to qualify for a better credit card in the future.

                      Read more about Celtic Bank Indigo® Mastercard®

                      The Bank of Missouri Total Visa® Unsecured

                      The Total Visa® Unsecured is the card for people with a checking account who want a Visa® credit card, but don't have the perfect credit score just yet. This is one of the best options available if you want to start the journey back to a healthy credit with one of the most respected and secure credit card systems.

                      Read more about The Bank of Missouri Total Visa® Unsecured

                      The Bank of Missouri Milestone Mastercard®

                      Are you working hard on your challenging credit history? This is a great card if you want to build your credit in a practical way.

                      Read more about The Bank of Missouri Milestone Mastercard®

                      Credit One® Bank Platinum Visa For Rebuilding Credit

                      This is one of the best cards you can get if you are looking to improve your credit. You can get rewards while making regular purchases like groceries, phone bills, and so on. Even with high fees, you have that high reward option that usually only applies to cards for higher credit scores.

                      Read more about Credit One® Bank Platinum Visa For Rebuilding Credit

                      Celtic Bank Deserve® PRO Mastercard

                      This is a great first card to have. Also, you don’t need any credit history if your income and employment qualify. If you’re the type of person who loves to travel and eat out, the rewards are well worth it. Lastly, this card also works well for those with short credit histories like foreign citizens in the U.S.

                      Read more about Celtic Bank Deserve® PRO Mastercard

                      First Electronic Bank Destiny® Mastercard®

                      This is perfect for people with bad credit looking to improve their credit scores. If you are looking to instantly and easily apply for a card despite having a low credit score, then this is a great option for you.

                      Read more about First Electronic Bank Destiny® Mastercard®

                      Unsecured Credit Cards Basics

                      What is an unsecured credit card?

                      All unsecured credit cards do not require a security deposit or collateral. This keeps your money and your assets in your pocket. The most common credit cards are unsecured. There is no single indicator to measure your approval for an unsecured credit card, so each application is evaluated by the issuer.

                      How does it work?

                      When you apply for an unsecured credit card, the issuing company will use your personal information along with a number of factors to determine whether to approve your application.

                      What is the difference between unsecured and secured credit cards?

                      An “unsecured” credit card does not require you to put down any of your assets as collateral. This means issuers can’t access your funds if there are unpaid debts.

                      With a “secured” credit card, you provide funds as collateral on your account. This deposit will be used against any unpaid balance that may occur if you can’t make payments. It’s called a «secured» credit card because you have to put down personal guarantees before being approved.

                      What are the pros and cons of unsecured credit cards

                      If you’re not sure if an unsecured credit is for you, then this list of the benefits — and the drawbacks — can help you to decide.

                      Pros

                      • More options - Since unsecured credit cards are the most common, you also have the most options. Some examples are student cards, travel rewards cards, and cash back cards. For either business or personal use, you’re bound to find one that suits your needs perfectly.
                      • More bonuses - You keep more money by not having to pay a deposit for collateral. Unsecured cards often have lower interest rates and better reward programs. There are generally also fewer or avoidable fees as long as you pay on time.
                      • Quick processing time - Compared to a traditional bank loan, you can be approved for a line of credit in as little as 24 hours (or even within minutes!).

                      Cons

                      • Harder to get approval - This is because most credit cards require a good credit score and credit history.
                      • Easier to spend beyond your budget - When you can withdraw funds as needed, it’s tempting to overspend. Although riskier for lenders, there is also risk for the cardholder who can accrue debt.

                      Who should get an unsecured credit card

                      You have to ask yourself, what kind of consumer are you? What are your spending habits?

                      • The budget manager - An unsecured credit card can help you earn better cash back rewards. Your regular purchases can be an opportunity to earn a fixed percentage on expenses.
                      • The traveler - There are many opportunities to earn travel rewards on payments for dining and entertainment. Some cards even offer perks like airport lounge access.
                      • The entrepreneur - If you get a credit card for your business, it can help your enterprise earn back from the expenditures.
                      • The credit builder - For those with less than appealing credit scores, an unsecured card can be an opportunity to improve credit scores.

                      What are the Benefits of Fair Credit Unsecured Credit Cards

                      Unsecured credit cards for fair credit can offer unlimited potential to increase your credit limit. Most of these unsecured cards report card activity monthly to the three major credit bureaus, increasing your chances to improve your credit. Most also offer $0 fraud liability coverage, and make it easy to apply while being especially welcome to users with a history of good credit.

                      How to choose an unsecured card:

                      1. Determine what kind of consumer you are. Are you looking to run a business? Or support a household? What do your spending habits say about your needs?
                      2. Look at your credit score. How does your credit score match up to the kinds of unsecured credit cards you can apply for?
                      3. Find a card that can benefit you in the long run. To do this, check the terms of each card carefully. Some credit cards carry annual fees which may or may not be worth the reward programs. You should determine if it makes sense to pay annual fees.
                      4. Determine the card that will suit you most depending on your goals in your situation.

                      How to apply for an unsecured credit card

                      In case you have bad credit

                      Search for card issuers that state they will consider applications with damaged or average credit. Myfin.us offers a page that allows you to compare various credit card offers. It’s also best to look for unsecured cards that have minimal late or annual fees.

                      In case you have fair credit

                      Look for lists of top credit card picks with unsecured credit cards for fair credit. These will often summarize credit scores similar to yours, as well as annual fees, interest rates, and reward programs. You can also compare offers and read analyses on Myfin.us.

                      How to make the most of unsecured credit cards

                      • Pay your bill on time. Paying your bill every month is essential to make the most of your card. This means you do not have to pay interest. Keep a reminder or request automatic payments.
                      • Pay the entire bill instead of a minimum payment. This looks better on your credit score and to your issuer. Keeping balances below the credit limit allows you to rebuild your credit.
                      • Keep your balance low. Credit scores are affected by the amount of credit used. You can calculate a credit utilization rate (your balances divided by credit limits). Try to keep it below 30%.
                      • Don’t apply for multiple cards at once. Applying to multiple credit applications in a short time frame can lower your scores and tell lenders that you are a risky borrower.

                      FAQ

                      What is the minimum credit score needed for an unsecured card?

                      Although most unsecured cards require credit in the good to excellent range (670-850), you can still apply for an unsecured card for the poor to fair range (300-669).

                      Which unsecured credit cards give you instant approval?

                      The Total Visa® Unsecured has an application process of only 60 seconds while the Indigo® Mastercard® also lets you get pre-qualified fast without impacting your credit score. The Destiny® Mastercard® also offers a great system if you want to get instant approval.

                      Do unsecured credit cards build credit?

                      Yes, if the report to the three credit bureaus. The Credit One® Bank Platinum Visa For Rebuilding Credit is a card especially geared towards building your credit. The Reflex® Platinum Mastercard® and Surge® Platinum Mastercard® are also products by the leading companies that help build credit. You can review this list if you want to gain a deeper understanding of the specific ways unsecured credit cards can build credit.
                      Myfin TeamMyfin Team

                      Author, editor

                      content@myfin.us