Unsecured Credit Cards

An unsecured credit card grants a line of credit without requiring that the cardholder secure the credit line with a cash deposit. Unsecured cards, some of which are fee-based, are available to applicants of all credit types and often feature low rates, rewards, and other incentives. See below for today's top unsecured credit card offers, along with links to each card's secure online application.
Advertiser Disclosure
Capital One® Classic Platinum Credit Card
  • Get the credit you need with a competitive rate
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account–even from your smartphone with our mobile app
  • Pick the monthly payment due date that works best for you
  • Pay however you want - by check, online, or at a local branch, all with no fee
  • Get access to your account 24 hours a day, 7 days a week
  • Start building for the future with features that can help you get there
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 20.9% Variable* $39* Fair Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 20.9% Variable*
Annual Fee $39*
Credit Needed Fair Credit *
First PREMIER® Bank MasterCard® Credit Card
  • Checking Account Required
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a manageable credit limit (subject to available credit)
  • Reports to the major Consumer Reporting Agencies.
  • Easy Application process!
  • Pay no interest on purchases by paying your balance in full each month
  • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit). 
  • Trying to rebuild your credit history? It may be possible if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A See website* See website* Bad / Fair Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR See website*
Annual Fee See website*
Credit Needed Bad / Fair Credit *
First PREMIER® Bank Classic Credit Card
  • Checking Account Required
  • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit). 
  • Reports your credit history to the major Consumer Reporting Agencies
  • Optional Payment Protection Available
  • This is a credit card - not a debit or prepaid card
  • Secure online application keeps your information confidential
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A See Website* See Website* Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR See Website*
Annual Fee See Website*
Credit Needed Bad Credit *
Fingerhut® Credit Account
  • New Offer! $50 off order of $200 or more with an approved Fingerhut Credit Account! Promo code JUL50
  • Shop Great Brands at Fingerhut.com
  • With a WebBank/FingerHut Credit Account, buy favorite brands with low payments.*
  • Apply for Fingerhut Credit today. Fill out our easy online application.
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 24.90%* $0* Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 24.90%*
Annual Fee $0*
Credit Needed Bad Credit *
Citi ThankYou® Preferred Card - Low Intro APRs
  • Enjoy 0% Intro APR on Balance Transfers and Purchases for 15 months. After that, the variable APR will be 12.99% - 22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases.
  • Points do not expire and earn unlimited ThankYou Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-15 mths* 0%-15 mths* 12.99%-22.99% Variable* $0* Excellent Credit *
Intro - Purchases 0%-15 mths*
Intro - Balance Transfer 0%-15 mths*
Regular APR 12.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit *
Citi ThankYou® Preferred Card - Earn 20,000 Bonus Points
  • Earn 20,000 bonus ThankYou® Points after $1,500 in card purchases within 3 months of account opening redeemable for $200 in gift cards or other great rewards!
  • 0% intro APR on Balance Transfers and Purchases for 12 months. After that, the variable APR will be 12.99%-22.99% based upon your creditworthiness*
  • There is a balance transfer fee of either $5 or 3% of the amount of each transfer, whichever is greater.*
  • 2 ThankYou Points per dollar spent on dining at restaurants and entertainment
  • 1 ThankYou Point on other purchases
  • Points do not expire and earn unlimited Thank You Points
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-12 mths* 0%-12 mths* 12.99%-22.99% Variable* $0* Excellent Credit *
Intro - Purchases 0%-12 mths*
Intro - Balance Transfer 0%-12 mths*
Regular APR 12.99%-22.99% Variable*
Annual Fee $0*
Credit Needed Excellent Credit *
Citi® Platinum Select® / AAdvantage® World MasterCard®
  • Earn 30,000 American Airlines AAdvantage® bonus miles and 2 Admirals Club® Passes after making $1,000 in purchases within the first 3 months of cardmembership.*
  • Your first eligible checked bag is free*
  • Group 1 boarding and 25% savings on eligible in-flight purchases*
  • Earn a $100 American Airlines Flight Discount every cardmembership year with qualifying purchases and cardmembership renewal*
  • Double AAdvantage® miles on eligible American Airlines purchases*
  • Earn 10% of your redeemed AAdvantage® miles back – up to 10,000 AAdvantage® miles each calendar year*
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 13.99%-21.99% Variable* $95, waived for first 12 months* Excellent Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 13.99%-21.99% Variable*
Annual Fee $95, waived for first 12 months*
Credit Needed Excellent Credit *
Horizon Gold Credit Card
  • $500 Credit Limit!
  • Guaranteed Approval.
  • No Credit Check.
  • Always 0.0% APR!
  • Fast Online application.
  • No employment check.
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 0.00%* N/A Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 0.00%*
Annual Fee N/A*
Credit Needed Bad Credit *
Capital One® Platinum Prestige Credit Card
  • Get 0% intro APR on all purchases until November 2015
  • Balance transfers also have a 0% intro APR until November 2015, a 3% fee applies to each balance transferred
  • Enjoy no annual fee
  • Get peace of mind with fraud coverage if your card is lost or stolen
  • Enjoy extended warranty protection on eligible items purchased with your card
  • Fast and easy access, 24/7
  • Rent a car using your card and get collision, damage, and loss insurance
  • Feel secure with 24-hour roadside assistance
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-until November 2015* 0%-until November 2015* 10.9%-18.9% Variable* $0* Excellent Credit *
Intro - Purchases 0%-until November 2015*
Intro - Balance Transfer 0%-until November 2015*
Regular APR 10.9%-18.9% Variable*
Annual Fee $0*
Credit Needed Excellent Credit *
CitiBusiness® / AAdvantage® World MasterCard®
  • Designed for businesses with an established credit history
  • Earn 30,000 American Airline AAdvantage® bonus miles and two Admiral’s Club® lounge One-Day Passes after making $1,000 in purchases in the first 3 months of cardmembership*
  • Get the first checked bag free for you and up to 4 traveling companions*
  • Enjoy Group 1 Boarding*
  • Earn 2 AAdvantage® miles for every $1 spent on eligible American Airlines purchases, including US Airways codeshare flights booked through American Airlines.*
  • Earn 2 AAdvantage® miles for every $1 spent on purchases at certain office supply, telecommunications and car rental merchants. Earn 1 AAdvantage® mile per $1 spent on other purchases.*
  • Receive 25% savings on in-flight food and beverage purchases when you use your card on American Airlines flights*
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A N/A 15.24% Variable* $95, waived for the first 12 months* Excellent Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 15.24% Variable*
Annual Fee $95, waived for the first 12 months*
Credit Needed Excellent Credit *

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  • 1,100 branch locations for your convenience
  • Eligible states: AL, CA, CO, FL, GA, ID, IL, IN, KY, LA, MO, MS, NC, NM, OH, OK, OR, PA, SC, TN, TX, VA, WA, WI, WV