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 payment card issuance and merchant processing services that state and local governments procure for employee travel and business expenses, tax and fee collections, parking and transit operations, and utility billing. Recent state and local solicitations show governments purchasing standalone corporate credit card programs, integrated merchant processing with point-of-sale systems, fleet cards for fuel and maintenance, debit card and prepaid card management platforms, and procurement card solutions with automated compliance controls. Issuing bodies span state departments (Illinois Board of Education, Washington Department of Revenue, Washington Department of Fish and Wildlife, Texas Comptroller, Illinois Department of Agriculture), county and city governments (Gwinnett County, Georgia; Hays County, Texas; Denver; Hayward, California; Burke County, Georgia; Cuyahoga County, Ohio; San Mateo County, California; Pinellas County, Florida; Cobb County School District, Georgia), transit agencies (ten California transit districts jointly), universities (University of Wisconsin, University of Wisconsin-River Falls), and court systems (Los Angeles Superior Court, Alexandria Virginia). Gwinnett County in Georgia, Fulton County Schools in Georgia, and the City of Alexandria in Virginia have issued recent RFPs or RFBs for merchant processing, card management, and procurement card compliance solutions, indicating steady demand across diverse municipal departments and service lines.

Geographic activity is concentrated in California, Georgia, Texas, Florida, Washington, Virginia, Illinois, Ohio, and Wisconsin, with recent solicitations posted between January and July 2026. Representative recent opportunities include the Gwinnett County Board of Commissioners' solicitation (PE77023NONST2027000000668) for merchant processing services across 53 merchant IDs and 175 terminals, with proposals due July 30, 2026, seeking integration with Tyler ERP, Oracle Fusion, and custom reporting; the City of Alexandria, Virginia RFP 2017 for transportation stipend card management serving 750–827 participants with PCI-DSS compliance, 99.9% uptime, and fraud monitoring, with proposals due August 20, 2026; Fulton County Schools (RFP 166-26) for purchasing cards, travel cards, fuel cards, and stored-value cards across 439 existing cards generating $28.8 million annually, with proposals due March 5, 2026; the Washington Department of Fish and Wildlife fleet card RFP (RFP 26-00009) for fuel, maintenance, and EV charging across Washington, Oregon, and Idaho with an estimated contract value of $8 million over five years and proposals due June 30, 2026; and a joint RFP by ten California transit agencies (RFP 26-03) for reloadable contactless EMV cards for transit and parking with an estimated annual fare revenue exceeding $12.9 million and proposals due March 14, 2026. The code also includes cooperative purchasing vehicles such as NASPO Washington's commercial card program, with Denver City's participation deadline of July 24, 2026.