Best Unsecured

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Rankings are calculated based on verified user reviews, recency of updates, and community voting weighted by user reputation score.

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Best 1 Chase Freedom Rise
Chase Freedom Rise
Free Plan Available

The Chase Freedom Rise is a rare unsecured card designed specifically for people with little to no credit history. It offers a flat 1.5% cash back on all purchases, which is highly competitive for a b...

9.2 Excellent
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2 OpenSky® Business Credit Card
OpenSky® Business Credit Card

The OpenSky® Business Credit Card is another card geared towards businesses with limited or no credit history. It features a $0 annual fee and offers a rewards program earning 1% cash back on all purc...

8.7 Very Good
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3 First Access® Business Card
First Access® Business Card

The First Access® Business Card is designed for businesses with limited or no credit history, often those who have been denied credit elsewhere. It has a $0 annual fee, but comes with a higher APR and...

8.4 Very Good
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4 Upgrade Visa Card with Cash Rewards
Upgrade Visa Card with Cash Rewards

The Upgrade Visa is a hybrid between a credit card and a personal loan. When you make a purchase, it is treated as a small installment loan that you pay off over time with fixed monthly payments. This...

8.3 Very Good
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5 Capital One Spark Classic for Business
Capital One Spark Classic for Business

The Capital One Spark Classic for Business is designed for businesses with limited or no credit history. It boasts a $0 annual fee and offers a straightforward rewards program, earning 1% cash back on...

8.2 Very Good
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6 Tomo Credit Card
Tomo Credit Card

The Tomo Credit Card is a unique, fully automated card that requires no credit check and charges no interest. It works by linking to your bank account and automatically paying off your balance every f...

8.1 Very Good
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7 Wells Fargo Business Card
Wells Fargo Business Card

The Wells Fargo Business Card offers a simple rewards structure, earning 1 point per dollar spent. It has no annual fee and includes employee cards. While the rewards rate isn't as high as some compet...

8.0 Very Good
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8 Capital One QuicksilverOne Cash Rewards
Capital One QuicksilverOne Cash Rewards

The Capital One QuicksilverOne is designed for those with 'fair' credit who want to earn rewards. It offers a flat 1.5% cash back on all purchases, which is excellent for a card that doesn't require e...

8.0 Very Good
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9 Credit One Bank Platinum Visa
Credit One Bank Platinum Visa

The Credit One Bank Platinum Visa is an unsecured card designed for those with less-than-perfect credit. It offers 1% cash back on eligible gas and grocery purchases, which is a nice perk for a card i...

7.2 Good
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10 Avant Credit Card
Avant Credit Card

The Avant Credit Card is an unsecured card aimed at individuals with fair credit who are looking to build their score. It is relatively easy to get approved for, but it often comes with higher fees an...

6.2 Fair
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11 Jasper Mastercard
Jasper Mastercard

The Jasper Mastercard is specifically designed for professionals who have recently moved to the US and lack a domestic credit history. It uses a proprietary underwriting process that looks at your inc...

6.1 Fair
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12 Petal 2 'Cash Back, No Fees' Visa Credit Card
Petal 2 'Cash Back, No Fees' Visa Credit Card

The Petal 2 card is a modern fintech solution for those with limited credit. Instead of relying solely on traditional credit scores, Petal uses 'Cash Flow Underwriting' to analyze your income, savings...

6.1 Fair
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13 Total Visa Unsecured Card
Total Visa Unsecured Card

The Total Visa is an unsecured card specifically marketed to those with bad credit. While it is 'unsecured' (meaning no deposit is required), it comes with significant fees, including an application f...

6.0 Fair
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14 Reflex Mastercard
Reflex Mastercard

The Reflex Mastercard is similar in structure to the Surge and Total Visa cards. It is an unsecured card for those with poor credit, offering immediate access to credit without a deposit. However, the...

5.3 Average
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15 Milestone Mastercard
Milestone Mastercard

The Milestone Mastercard is an unsecured card for those with less-than-perfect credit. It provides a way to access credit without a deposit, but it is accompanied by high annual fees. It is a basic, n...

4.9 Poor
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16 Indigo Mastercard
Indigo Mastercard

The Indigo Mastercard is an unsecured card designed for individuals with poor credit. It offers the convenience of no deposit but comes with high annual fees that can make it a costly way to build cre...

4.8 Poor
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17 Indigo® Card
Indigo® Card

The Indigo® Card is often marketed as an option for those with very poor credit. It may initially be issued as a secured card, but can transition to an unsecured card. It carries high fees and a high...

4.5 Poor
18 First Access Visa
First Access Visa

The First Access Visa is an unsecured card for those with poor credit. It provides access to credit without a deposit, but it is accompanied by high annual and application fees. It is a basic card tha...

4.2 Poor
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