There are a lot of unsecured credit cards offered by many companies that can be used to improve or establish your credit. So to get the best credit card that suitable with you, people should consider carefully. This post, we offer information about the five-best-unsecured credit card in the US.

Unsecured credit card
The five-best-unsecured credit card and benefits of this card

In the previous post, Info Credit Free introduces people to some of the necessary information that is useful for getting the credit cards for no credit in the US, to get more information people can read the article Three ADVANTAGES of the credit cards for no credit. Now, let find knowledge about the unsecured credit card in the post today.


Just like a lot of article posts such as credit cards for people with bad credit, best credit cards for students, best business credit cards, best-secured credit card…, this post about unsecured credit card also includes some main parts. They are:

1. What is the unsecured credit card?

An unsecured credit card as a credit card does not require a secured deposit to be approved for a credit card or to increase your credit limit, after approval. When people use credit cards for a limited time, what they actually refer to is a credit card with no guarantee.

2. The benefits of unsecured credit card

Unsecured credit cards are issued to individuals with good credit ratings to excellence. Credit ratings depend on certain criteria, such as a loan’s ability to repay a loan. These criteria include payment history, employment history, and financial stability.

Individuals with excellent credit will most likely receive lower interest rates. A key factor in maintaining outstanding credit is paying your loan on time, thus avoiding late fees. Paying on time will increase your credit rating.

Unsecured credit cards have many advantages such as low interest rates, high credit limits, business name options, and no annual fees. Closing unnecessary accounts and consolidating your invoices for more manageable payments can be a financial advantage. By not applying for too much credit in a short period of time is another factor that will help maintain good credit ratings.

Although there is a potential legal risk of having an unsecured credit card, most people will choose a credit card with no guarantee against a secured card because that means they don’t have to pay right away. from the beginning when you can earn interest from the bank. In addition, unsecured credit cards often have lower interest rates and offer rewards programs, rare features with guaranteed credit cards.

Unsecured credit card
The five-best-unsecured credit card and benefits of this card

3. How can people get the unsecured credit card

Secured credit cards are your best bet to regain credit and qualify for better credit cards once you are no longer considered risky. You can improve your chances of getting an unsecured credit card by using a secured credit card for at least six months, which means no overspending.

Also, you should pay any overdue amount and reduce your balance as much as possible.

After using your credit card responsibly for several months, you can switch to an unsecured credit card. If approved, your credit card issuer will refund your guaranteed deposit to you. However, you should note, it may take 12 to 18 months to be considered for an unsecured credit card.

Another option is to have a relative or friend receive a generic (unsecured) credit card with you. This will help you not have to pay a deposit and it gives you the opportunity to improve your credit score so you can accept credit cards yourself.

4. The best-unsecured credit card in the US

4.1.  Capital One Platinum Credit Card

This is a free application for anyone, even if you are not a Capital One customer. Cardholder benefits include extended warranty, car rental insurance, travel accident insurance, 24-hour travel and roadside assistance and price protection.

  • Annual Fee: $0
  • APR: 26.96% (Variable)
  • Credit Needed: Average, fair, limited

4.2. Credit One Bank Platinum Visa with Cash Back Rewards

The Credit One Bank Platinum Visa with Cash Back Rewards is an unsecured card that all, like those with fair credit to earn rewards. You can earn 1 percent cash back for all eligible purchases and cardholders have access to benefits including travel accident insurance and auto rental collision insurance. Prequalification is available without affecting your credit score.

  • Annual Fee: $0 – $99
  • APR: 20.24% – 26.24% (Variable)
  • Credit Needed: Fair credit

4.3. Capital One QuicksilverOne Cash Rewards Credit Card

There is an annual fee of $ 39, but cardholder benefits include access to your credit score, extended warranty, car rental insurance and travel accident insurance.

  • Annual Fee: $39
  • APR: 26.96% (Variable)
  • Credit Needed: Average, fair, limited

4.4. Discover it Student Cash Back

Cardholders can register every time, quarterly, to earn 5 percent cash back at various locations such as gas stations, grocery stores, restaurants or up to a quarter each time you activate. All other purchases automatically earn 1 percent of unlimited cash.

  • Annual Fee: $0
  • APR: 15.24% – 24.24% Variable
  • Credit Needed: Fair credit

4.5. Journey Student Rewards from Capital One

Cardholders may have access to a higher credit limit after making your first five monthly payments on time. Benefits of the card include MasterRental insurance, extended protection when eligible purchases and travel accident insurance.

  • Annual Fee: $0
  • APR: 26.96% (Variable)
  • Credit Needed: Average, fair, limited

This post is about the unsecured credit card. We provide this information to offer you some of the necessary information that is useful for getting the unsecured credit card. Also if you are looking for ways to get the credit cards for people with bad credit, please refer to Two types of credit cards for people with bad credit link we just provided in the previous article. 

Hillary (Team Content) – Info Credit Free