Best Credit Cards for Fair Credit | CreditCardCompare.net
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Credit Cards for Fair Credit

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Aspire® Cash Back Rewards Mastercard
2.5/5

Rated 2.5/5.0 stars by our editorial team

Apply Now

on Aspire Card's secure site

  • Annual Fee
    $85-$175 first year, $229 thereafter
  • N/A
  • Rewards Rate
    • Earn 3% on Gas, Groceries, and Utilities
    • Earn 1% on All Other Eligible Purchases
    1% - 3% cash back
  • Credit Needed

Bottom Line

The Aspire® Cash Back Rewards Mastercard offers serious value with its cash back rewards rate, a rare find for cards aimed at the fair credit level.

Our Take

The Good

The Aspire® Cash Back Rewards Mastercard stands out for offering competitive cash back on all purchases, which we think is a pretty valuable asset for a card geared toward folks with fair credit.

The Not So Good

Despite its rewards, the Aspire® Cash Back Rewards Mastercard comes with a considerable annual fee and a high APR.


Highlights

  • Click APPLY NOW to apply online.
  • Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free Access to your Credit Score†
    *See Program Terms for important information about the cash back rewards program.
    ** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
    † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

See Additional Details for Aspire® Cash Back Rewards Mastercard

Milestone Mastercard®
3.0/5

Rated 3/5.0 stars by our editorial team

Apply Now

on Milestone Mastercard®'s secure site

  • Annual Fee
    See terms
  • N/A
  • Rewards Rate
    Non-rewards card
  • Credit Needed

Bottom Line

The Milestone Mastercard® is geared towards consumers who need to find a card that will give them the tools necessary to improve their credit score and credit history. In that respect, the card does a good job of offering a full-fledged card with some financial management and account oversight tools.

Our Take

The Good

Cardholders have access to the Mastercard Benefits program, which offers $0 Fraud Liability protection. The best part about this credit card is that it's an unsecured card and works just like traditional credit cards.

The Not So Good

This card does not come with a rewards program.


Highlights

  • Click APPLY NOW to apply online.
  • Greater access to credit than before - $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability for unauthorized use
  • Access your account online or from your mobile device 24/7

See Additional Details for Milestone Mastercard®

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on Yendo's secure site
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on Capital One's secure site

  • Annual Fee
    $39
  • N/A
  • Rewards Rate
    • Earn 1.5% Cash Back on every purchase, every day
    • Earn 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
    1.5% - 5% Cash Back
  • Credit Needed

Bottom Line

The Capital One QuicksilverOne Cash Rewards Credit Card is a great option for those with fair-limited credit. Most cards for average credit are bleak in their benefits and reward offerings, but not this one.

Our Take

The Good

With such a strong rewards rate on all purchases, this is a fantastic card for consumers with average credit.

The Not So Good

There’s a small $39 annual fee attached, but you can easily make that up with the rewards you earn.


Highlights

  • Click APPLY NOW to apply online.
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Top rated mobile app
  • For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
  • Rates & Fees
Capital One Platinum Credit Card
3.0/5

Rated 3/5.0 stars by our editorial team

Apply Now

on Capital One's secure site

  • Annual Fee
    $0
  • N/A
  • Rewards Rate
    Non-rewards Card
  • Credit Needed

Bottom Line

If you have fair credit then this card gives you a way to enjoy the perks and features of a Mastercard, despite your less than stellar credit. The interest rate is pretty high, but there is no annual fee, and you have access to some helpful account management tools.

Our Take

The Good

The good thing about this particular card is that it allows someone to have a genuine Mastercard when they do not really have great credit. It's a great first-time credit card.

The Not So Good

The interest rate is high and if you carry a balance that can get really expensive, really fast. You should pay your balance in full each month with this card because of the 28.99% (Variable) APR.


Highlights

  • Click APPLY NOW to apply online.
  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Top rated mobile app
  • For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
  • Rates & Fees

See Additional Details for Capital One Platinum Credit Card

Reflex® Platinum Mastercard®
2.5/5

Rated 2.5/5.0 stars by our editorial team

Apply Now

on Continental Finance's secure site

Bottom Line

If you're a consumer with a low credit score, it might be worth seeing if you can prequalify for an affordable offer with the Reflex® Platinum Mastercard®. But, be sure to read the fine print carefully.

Our Take

The Good

This card helps you build credit by reporting your timely payments to the three major credit bureaus. It also gives you $0 liability for fraudulent charges, which is a nice added feature.

The Not So Good

Before you commit to the Reflex® Platinum Mastercard®, you should carefully scan the conditions of your offer. The card comes with a lot of fees — the card charges an annual fee between $75 - $125, as well as a maintenance fee up to per month. Furthermore, the card's APR — 35.90% Fixed — is pretty high, even for a card geared toward consumers with low credit scores.


Highlights

  • Click APPLY NOW to apply online.
  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.

See Additional Details for Reflex® Platinum Mastercard®

Discover it® Student Cash Back
4.0/5

Rated 4/5.0 stars by our editorial team

Apply Now

on Discover's secure site

  • Annual Fee
    $0
  • Cashback Match
  • Rewards Rate
    • Earn 5% cash back on everyday purchases at different places each quarter, up to the quarterly maximum when you activate. 
    • Earn 1% cash back on all other purchases – automatically
    1% - 5% cash back
  • Credit Needed

Bottom Line

The Discover it® Student Cash Back is the perfect credit card for students to get to build credit and earn cash back while they are in school.

Our Take

The Good

There's no limit to how much extra cash you can earn with the Cashback Match™ offer in your first year, and there are opportunities for tons of extra cash back. Also, you won't ever have to worry about paying an annual fee or foreign transaction fees.

The Not So Good

The minimum line of credit is a bit low, beginning at $500.


Highlights

  • Click APPLY NOW to apply online.
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $50 cash back into $100. Or turn $100 cash back into $200.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
  • Redeem cash back for any amount
  • No credit score required to apply.
  • No annual fee and build credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.49% - 25.49% applies.
  • Terms and conditions apply.
  • Rates & Fees

See Additional Details for Discover it® Student Cash Back

AvantCard Credit Card
4.0/5

Rated 4/5.0 stars by our editorial team

Apply Now

on Avant's secure site

Bottom Line

This card is a solid choice for consumers who don't want to put down $200 or more as a security deposit on a secured credit card.

Our Take

The Good

The annual fee is fairly low compared to other cards. Plus you'll pay no foreign transaction fees.

The Not So Good

The APR is quite high, so if you don't pay off your balance in full each month you could rack up steep interest charges.


Highlights

  • Click APPLY NOW to apply online.
  • Fast and easy application process
  • No deposit required
  • No hidden fees
  • No penalty APR
  • Report to all three major credit bureaus
  • Zero fraud liability for unauthorized charges
  • Avant branded credit products are issued by WebBank, member FDIC
  • Disclosure: If you are charged interest, the charge will be no less than $1.00
  • Late Fee up to $39
  • Returned Payment Fee: Up to $25
  • Checking your eligibility does not affect your credit score

See Additional Details for AvantCard Credit Card

Apply Now

on Fortiva's secure site

  • Annual Fee
    $85-$175 first year, $229 thereafter
  • N/A
  • Rewards Rate
    • Earn 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments
    • Earn 1% Cash Back Rewards on all other eligible purchases
    1% - 3% cash back
  • Credit Needed

Bottom Line

The Fortiva® Cash Back Rewards Mastercard can be pretty valuable if you're looking to rebuild your credit and you don't have the funds for a security deposit.

Our Take

The Good

The Fortiva® Cash Back Rewards Mastercard can be a great way to build your credit responsibility for folks with fair credit. It also offers the convenience of an unsecured card, which can be helpful if you don't have the upfront funds that a secured card usually requires.

The Not So Good

The card comes with a high annual fee and additional maintenance fees after the first year, which can add up fast. It also has a fairly high APR for purchases, making it costly if you carry a balance.


Highlights

  • Click APPLY NOW to apply online.
  • Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Use Anywhere Mastercard is Accepted
  • $0 fraud liability**
  • Free access to your VantageScore 4.0 credit score from TransUnion®†
    *See Program Terms for important information about the cash back rewards program.
    **Fraud liability subject to Mastercard rules.
    † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

See Additional Details for Fortiva® Cash Back Rewards Mastercard

Revvi Card
2.5/5

Rated 2.5/5.0 stars by our editorial team

Apply Now

on Revvi's secure site

  • Annual Fee
    See Terms*
  • N/A
  • Rewards Rate
    • Earn up To 10% Cash Back when you buy
    • Earn 1% Cash Back when you pay
    1% - 10% cash back
  • Credit Needed

Bottom Line

The Revvi Card is an intriguing option for those looking to rebuild their credit, especially given its no security deposit requirement and the perk of earning cash back on payments, which isn't always common in cards aimed at lower credit tiers.

Our Take

The Good

The Revvi Card is a credit card that doesn't require a security deposit, making it accessible for individuals with low credit scores or limited credit history who are looking to build or improve their credit, as it reports to all three major credit bureaus. Additionally, it offers cash back on all payments, providing an incentive for cardholders to use the card responsibly while earning rewards.

The Not So Good

Despite its benefits, the Revvi Card comes with a high annual fee and a high APR, which can quickly outweigh the advantages of cash back rewards if balances are not paid in full monthly. Moreover, it includes a program fee upon account opening, which adds an additional upfront cost, making it less attractive for those seeking a cost-effective route to credit building.


Highlights

  • Click APPLY NOW to apply online.
  • 2X Rewards Power – Up To 10% Cash Back when you buy and 1% Cash Back when you pay!^^
  • An initial credit limit Up To $500 (See terms*)
  • Opportunity to request credit limit increase after twelve months, fee applies.
  • A Card That Works as Hard as You Do – Earn Up to 10% Cash Back Rewards at select merchants, 1% on Payments and Build¹ Your Credit Along the Way!^^
  • Reports monthly to all three major credit bureaus.
  • *See Rates, Fees, Costs & Limitations for complete offer details
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. Results vary.
  • ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See Revvi Rewards Programs Terms & Conditions for details.

See Additional Details for Revvi Card

Destiny Mastercard®
2.5/5

Rated 2.5/5.0 stars by our editorial team

Apply Now

on Destiny Mastercard®'s secure site

Bottom Line

The Destiny Mastercard® is a practical tool for those in need of rebuilding their credit, especially valuable for its lack of a required security deposit and the inclusivity of its application process.

Our Take

The Good

The Destiny Mastercard® is designed for individuals with less-than-perfect credit, offering an unsecured credit line that does not require a security deposit, thus providing a valuable opportunity for credit building or rebuilding by reporting to all three major credit bureaus.

The Not So Good

The card includes a high annual fee that cannot be waived in the first year, and it has a relatively high APR, which can make carrying a balance quite costly.


Highlights

  • Click APPLY NOW to apply online.
  • All the benefits of a Mastercard, without a security deposit
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus
  • Less than perfect credit is okay, even with a prior bankruptcy!

See Additional Details for Destiny Mastercard®

CreditStrong
0.0/5

Rated 0/5.0 stars by our editorial team

Apply Now

on Austin Capital Bank's secure site

Bottom Line


Highlights

  • Click APPLY NOW to apply online.
  • Get up to a +88 average* FICO® Score increase on autopilot
  • Designed for the biggest long-term impact on your credit score
  • Build from $1,000 up to $25,000 of credit history starting at low monthly payments
  • Great if you want to access premium CCs & higher credit limits
  • No credit history needed; no hard check required
  • No prepayment or early cancellation fees
  • *Average first-year credit score impact of +88 points in 2024 for CreditStrong account users who started with a score below 550; who paid on-time for consecutively 12 months; and who had no delinquencies or collections added to their credit profile during the period. Individual results may vary.

See Additional Details for CreditStrong

FIT™ Platinum Mastercard®
2.0/5

Rated 2/5.0 stars by our editorial team

Apply Now

on Continental Finance's secure site

  • Annual Fee
    See terms
  • N/A
  • Rewards Rate
    Non-rewards card
  • Credit Needed

Bottom Line

The FIT™ Platinum Mastercard® is solid option if you have bad or limited credit, since it offers a decent initial credit limit without requiring a security deposit. Plus, it reports to the three major credit bureaus. Because of the fees this card charges though, a secured credit card may be a less expensive option for some.

Our Take

The Good

The FIT™ Platinum Mastercard®, which is open to applicants with good, bad or limited credit, is designed to help cardholders establish credit or improve their credit score and can be used anywhere Mastercard is accepted. The card also report to the three major credit bureaus—TransUnion, Experian and Equifax.

Although the FIT™ Platinum Mastercard® doesn’t come with a rewards program, it does offer benefits, like online account management and credit protection.

The Not So Good

We don't love the fees this card charges and the fairly high purchase APR of 35.90% Fixed. But that’s fairly common for a card that's geared toward folks with less than perfect credit.


Highlights

  • Click APPLY NOW to apply online.
  • $400 Initial Credit Limit
  • Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
  • If approved, you must pay a $95 fee to open your account. Please see the terms and conditions for when you apply.

See Additional Details for FIT™ Platinum Mastercard®

Apply Now

on Indigo® Mastercard®'s secure site

  • Annual Fee
    $175 - $199
  • N/A
  • Rewards Rate
    Non-rewards card
  • Credit Needed

Bottom Line

The Indigo® Mastercard® for Less than Perfect Credit is a good choice for people who are trying to rebuild credit.

Our Take

The Good

Being able to choose your own card design is a unique feature to this card. Also, checking if you’re pre-approved is quick and easy; you can get a 60 second decision!

The Not So Good

You won’t know which annual fee you get approved for until you submit the full application. Also, there’s no rewards program with this card, but that’s normal on credit card for building credit.


Highlights

  • Click APPLY NOW to apply online.
  • Now with higher credit limits
  • Increase your access to available credit
  • Higher limit than before, still no security deposit required!
  • Greater access to credit than before
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Account history is reported to the three major credit bureaus in the U.S.
Apply Now

on PREMIER Bankcard®'s secure site

  • Annual Fee
    See Provider Website
  • N/A
  • Rewards Rate
    Non-rewards card
  • Credit Needed

Bottom Line

The PREMIER Bankcard® Mastercard® Credit Card represents a viable option for individuals aiming to rebuild their credit, especially given its policy of reporting to the major credit bureaus and accepting a broader spectrum of credit histories.

Our Take

The Good

The PREMIER Bankcard® Mastercard® Credit Card is tailored for individuals with poor to fair credit scores, offering them a pathway to credit improvement by reporting payment activities to the major credit bureaus, thereby aiding in building a positive credit history.

The Not So Good

The card is associated with several fees, including a high annual fee, monthly servicing fees, and a potential program fee, which can collectively diminish its overall value for cardholders.


Highlights

  • Click APPLY NOW to apply online.
  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.

See Additional Details for PREMIER Bankcard® Mastercard® Credit Card

Discover it® Student Chrome
4.0/5

Rated 4/5.0 stars by our editorial team

Apply Now

on Discover's secure site

  • Annual Fee
    $0
  • Cashback Match
  • Rewards Rate
    • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter.
    • Earn 1% unlimited cash back on all other purchases - automatically.
    1% - 2% cash back
  • Credit Needed

Bottom Line

The Discover it® Student Chrome credit card has a slew of fee-free services and an excellent rewards program. If you’re trying to build your credit while in college, this is a great choice.

Our Take

The Good

Earning extra cash back on every day purchases such as at gas stations and at restaurants is appealing enough for students to want this card. Card holders will also receive 1% cash back on all other purchases.

The Not So Good

The minimum line of credit is a bit low, beginning at $500.


Highlights

  • Click APPLY NOW to apply online.
  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $50 cash back into $100. Or turn $100 cash back into $200.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.
  • Redeem cash back for any amount
  • No credit score required to apply.
  • No annual fee and build credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.49% - 25.49% applies.
  • Terms and conditions apply.
  • Rates & Fees

See Additional Details for Discover it® Student Chrome

Best Credit Builder for Car Owners

Up to a $10,000 credit limit

Yendo Vehicle Equity Mastercard®
4.0/5

Rated 4/5.0 stars by our editorial team

Apply Now

on Yendo's secure site

Bottom Line

Unlike most other secured cards, this one uses your car as collateral instead of a traditional downpayment. This can be helpful for folks who own a car but don’t have a ton of cash on hand. It's worth noting that using your car as collateral can be risky though.

Our Take

The Good

We love that cardholders can earn 1.5% Cash Back, which can help pad your wallet with regular use.

The Not So Good

This card does use your car as collateral, which means that if you miss payments, your car could be on the line. However, with responsible use, this card can be a great way to build credit.


Highlights

  • Click APPLY NOW to apply online.
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment.
  • Yendo works like a regular Mastercard but taps into your vehicle equity to get higher limits at affordable rates
  • $4,400 average credit limit - up to $10,000
  • Submit an application with photos of your vehicle and receive an instant decision
  • See if you Pre-Qualify in minutes without harming your credit score - all credit scores welcome to apply
  • Looking to build or rebuild your credit? We report to the 3 major credit bureaus monthly
  • Get a virtual card instantly after approval - simple and fast application
  • Add to your mobile wallet and make purchases today using Apple Pay, Samsung Pay and Google Pay
  • Accepted everywhere in the US where you see the Mastercard logo - in store, online, and in app
  • Fraud coverage if your card is lost or stolen - access your account 24 hours a day, 7 days a week
  • No cash deposits

See Additional Details for Yendo Vehicle Equity Mastercard®

Apply Now

on Credit One Bank®'s secure site

  • Annual Fee
    $39
  • N/A
  • Rewards Rate
    • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services
    • Terms apply
    1% cash back
  • Credit Needed

Bottom Line

The Credit One Bank® Platinum Rewards Visa® Card offers a necessary stepping stone for those aiming to improve their credit score, with its credit-building features and the bonus of earning cash back on purchases being quite appealing. However, the combination of a high annual fee and a steep APR means that one must be quite strategic and disciplined in managing balances to ensure the costs don't overshadow the benefits.

Our Take

The Good

The Credit One Bank® Platinum Rewards Visa® Card is designed for individuals looking to build or rebuild their credit, offering automatic account reviews for credit line increases and reporting to the three major credit bureaus, which can aid in improving credit scores over time. It also provides cash back rewards on eligible purchases, adding a layer of incentive for responsible card usage.

The Not So Good

The card comes with a high annual fee that varies by account, and its APR is considerably high, which can offset the rewards earned and make carrying a balance expensive. Additionally, its cash back rewards program is relatively modest compared to other cards in the market, potentially limiting the card's overall value for users.


Highlights

  • Click APPLY NOW to apply online.
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services†
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges†
  • Automatic reviews for credit line increase opportunities
  • Free Online Credit Score and Credit Report summary†
  • Choose your monthly payment due date for added convenience†
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • †Terms Apply
  • Rates & Fees

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Credit Card Offers for Fair Credit

If you have fair credit, or have had some credit history dings or other problems but are not yet in the bad credit category, then you should be able to apply for and get a credit card for fair credit. Those with bad credit generally have no choice but to apply for a secured or prepaid card, but in your case having average or fair credit qualifies you to be responsible for adhering to a credit limit and carrying a balance over from one month to the next if you decide to do that. That also means that you’ll have a great chance to improve your credit score and credit history – which will entitle you to even better rates, credit cards, and cardholder privileges.

It’s a good idea to shop for a good credit card with the most manageable fees and interest rates, because that will make it much easier for you to manage your budget and card payments. Cards with no annual fee, for example, are cheaper – and so are ones that have a lower APR. Use the info in the reviews in this section – and crunch the numbers using this site’s credit card calculators and other tools – to help you make a wise pick of the best credit cards for fair credit. FICO ranges for fair or average credit typically range from 620 to 680.

Try to use not more than 25-30% of your allowed limit each month, because that will look better on your credit report. Soon you may be offered a higher credit limit and as your credit score rises from fair to good it will be possible to shop for even more attractive and competitive interest rate card.

Disclaimer: FICO scores are used to represent the creditworthiness of a person and may be one indicator of the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.


Methodology
Our editors take a comprehensive, data-driven approach to identify the best credit cards in various categories. We use an objective rating and ranking system that evaluates over 100 credit cards from more than 50 issuers. While this site receives compensation from companies listed here, this does not influence our ratings or reviews. Learn more here.

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