Unsecured credit

Secured or Unsecured Credit Cards: Which Should You Get?

As of November 08, 2022

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Picture for

Wells Fargo Active Cash® Card

Blue Cash Preferred® Card from American Express

Find out® Cash Back

Apply now for Wells Fargo Active Cash® Card

On the Wells Fargo secure website.

Apply now for the Blue Cash Preferred® card from American Express

On the secure American Express website.

Conditions apply

Apply now for Discover it® Cash Back

On Discover’s secure website.

Rates and Fees

Rates and Fees

Rates and Fees

Credit Rating Requirement:

Good/Excellent (670-850)

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Being within this credit range does not guarantee issuer approval. A request must be submitted to the issuer for a possible approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.



Credit Rating Requirement:

Good/Excellent (670-850)

Information icon Circle with the letter I in it.

Being within this credit range does not guarantee issuer approval. A request must be submitted to the issuer for a possible approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.



Credit Rating Requirement:

Good/Excellent (670-850)

Information icon Circle with the letter I in it.

Being within this credit range does not guarantee issuer approval. A request must be submitted to the issuer for a possible approval decision. There are different types of credit scores and creditors use a variety of credit scores to make lending decisions.



Welcome offer:


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$200 cash rewards bonus after spending $1,000 on purchases in the first three months


$200 cash rewards offer

Welcome offer:


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Get a $250 credit after spending $3,000 on purchases with your new card in the first 6 months.


$250

Welcome offer:


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Discover will match any Cash Back you have earned at the end of your first year.


Cash Back Match

Rewards program:

2% cash rewards

Rewards program:


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6% cash back at US supermarkets on up to $6,000 per year in purchases (1% thereafter). 6% cash back on select US streaming subscriptions. 3% cash back at US gas stations and on public transportation (including taxis/rideshare, parking, tolls, trains, buses, etc.). 1% cash back on other purchases.


1% – 6% cash back

Rewards program:


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5% Cash Back at various locations each quarter up to the quarterly maximum upon activation. 1% unlimited cash back on all other purchases – automatically


1% – 5% cashback

APR presentation:


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0% intro APR, 15 months from account opening on eligible balance transfers


Purchases: 0% intro APR, 15 months from account opening

Balance transfers: 0% introductory APR, 15 months from account opening on eligible balance transfers

APR presentation:

Purchases: 0%, 12 months

Balance transfers: 0%, 12 months

APR presentation:

Purchases: 0%, 15 months

Balance transfers: 0%, 15 months

Regular APR:

Variable APR of 18.74%, 23.74% or 28.74%

Regular APR:

17.74%-28.74% variable

Regular APR:

14.99% – 25.99% Variable APR

Annual fees:

$0

Annual fees:

$0 annual introductory fee for the first year, then $95.

Annual fees:

$0

Strong points:

  • Earn a $200 cash rewards bonus after spending $1,000 on purchases in the first 3 months
  • Earn unlimited 2% cash rewards on purchases
  • 0% introductory APR for 15 months from account opening on qualifying purchases and balance transfers, then a variable APR of 18.74%, 23.74% or 28.74%; balance transfers made within 120 days are eligible for the introductory rate and 3% fee, then a BT fee of up to 5%, minimum: $5
  • $0 annual fee
  • No categories to follow or remember and cash rewards don’t expire as long as your account remains open
  • Enjoy a collection of premium benefits at a selection of the world’s most intriguing and prestigious hotel properties with Visa Signature Concierge
  • Get up to $600 in cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card. (subject to a $25 deductible).
  • Select “Apply Now” to learn more about product features, terms and conditions

Strong points:

  • Get a $250 credit after spending $3,000 on purchases with your new card in the first 6 months.
  • $0 annual introductory fee for the first year, then $95.
  • Buy now, pay later: Enjoy $0 introductory fee when you use Plan It® to split large purchases into monthly installments. Pay $0 introductory plan fee on plans created within the first 12 months of account opening. Plans created thereafter will have a monthly plan fee of up to 1.33% of each eligible purchase amount transferred into a plan based on the plan term, the APR that would otherwise apply to the plan. purchase and other factors.
  • Low introductory APR: 0% for 12 months on purchases from date of account opening, then variable rate, from 17.74% to 28.74%
  • 6% cash back at US supermarkets on up to $6,000 per year in purchases (1% thereafter).
  • 6% cash back on select US streaming subscriptions.
  • 3% cash back at US gas stations and on public transportation (including taxis/rideshare, parking, tolls, trains, buses, etc.).
  • 1% cash back on other purchases.
  • Thinking of getting the Disney bundle that includes Disney+, Hulu, and ESPN+? Your decision is made easier with a $7/month refund in the form of a statement credit after spending $13.99 or more each month on an eligible subscription with your Blue Cash Preferred card. Registration required.
  • Cash Back is received in the form of Reward Dollars which can be redeemed as statement credit.
  • Terms apply.

Strong points:

  • INTRO OFFER: Unlimited Cashback Match – only at Discover. Discover will automatically match any Cash Back you have earned at the end of your first year! There are no minimum spend or maximum rewards. You could turn $150 in cash back into $300.
  • Earn 5% cash back on everyday purchases at different locations each quarter, such as Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum upon activation. Plus, automatically earn unlimited 1% cash back on all other purchases.
  • Discover helps you remove your personal information from some people search websites. Activate by mobile app for free.
  • Every dollar you earn in cash back is a dollar you can redeem.
  • Get 0% introductory APR for 15 months on purchases. Thereafter, a standard variable purchase APR of 14.99% to 25.99% applies, depending on creditworthiness.
  • No annual fee.
  • Click “Apply Now” to view terms and conditions.

Apply now for Wells Fargo Active Cash® Card

On the Wells Fargo secure website.

Apply now for the Blue Cash Preferred® card from American Express

On the secure American Express website.

Conditions apply

Apply now for Discover it® Cash Back

On Discover’s secure website.

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