UNSPSC 64101802: Unsecured credit card

A type of credit card that is not secured by collateral. Customers --individuals or companies- qualify for unsecured cards based on their credit history, their financial strength and their earnings potential.

UNSPSC 64101802 Unsecured credit card, a Commodity code, encompasses the issuance and management of open-loop commercial credit cards and prepaid payment solutions that state and local governments use to enable employee travel, purchasing, emergency disbursement, fleet fueling, and vendor payments. State and local buyers—including county boards of commissioners, municipal finance departments, school districts, state agencies, and universities—solicit these services through RFPs, RFQs, ITNs, and RFIs to replace incumbents, consolidate programs, or establish new payment rails integrated with their ERP and accounting systems. The work spans full-service card programs with web portals, fraud controls, merchant authorization, reporting dashboards, and settlement processing; embedded compliance and spending-limit controls; and specialized variants such as fleet cards, purchasing cards, travel cards, virtual/single-load cards, and emergency payroll cards. Issuers often require PCI-DSS compliance, SOC 2 Type II certification, Federal Reserve or qualified public depository status for larger programs, and integration with platforms such as PeopleSoft, Oracle Fusion, Focus School Systems, Civic Plus, or Accela without custom development.

Recent activity is concentrated in Florida (Pinellas County Board of County Commissioners and Clerk of the Circuit Court; Town of Palm Beach; School Board of Volusia County; Polk County Public Schools; Broward County; Burke County), Georgia (Elbert County; Gwinnett County Board of Commissioners; Gwinnett County Public Schools; Cobb County School District), and multi-state cooperative vehicles (Sourcewell, NASPO Washington, Region XIV Education Service Center). Washington State, Kentucky, Arizona, Texas, Nevada, Illinois, Mississippi, Oregon, California, and Virginia also posted opportunities. Pinellas County is seeking comprehensive banking and card services under RFP 26-0180 with proposals due February 19, 2026 (Segment code 64101802 and related treasury services); the Town of Palm Beach posted an ITN for purchasing card services replacing Bank of Montreal, with responses due October 21, 2026; Volusia County School Board solicited core banking, purchasing card (over $11.5 million annual spend across 500+ cardholders), and merchant services via ITN-2025-9055-EK, due February 5, 2026; and Broward County Finance sought master banking services across five groups (lockbox, merchant card, purchasing card, third-party custodian, treasury) under RFP GEN2131264P1, due October 13, 2026 with 42 vendors representing 18 major banks attending pre-proposal. The Commonwealth of Kentucky issued RFP 758 2700000040 for a fleet car wash card program requiring 4,500 minimum cards with web and mobile platforms, due September 14, 2026. Washington Department of Fish and Wildlife solicited fleet card products and services (gasoline, diesel, marine, aviation fuel, and EV charging) spanning five years with an estimated contract value of $8 million, proposals due June 30, 2026. Cooperative and multi-state procurement mechanisms—Sourcewell commercial card programs (proposals due September 10, 2026) and NASPO Washington commercial card services (Denver City decision deadline July 24, 2026)—signal institutional shift toward aggregated buying power and faster procurement cycles.