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Credit Cards for Fair Credit

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Discover it® Miles - Unlimited 1.5x Rewards Card

 

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Your Rating:

3.7/5.0 from 170 Offer Ratings
Over the Past 60 Days!

(170) Over the Past 60 Days!
  • Bonus Rewards We'll match all the rewards you earn at the end of your first year – new card members only
  • Rewards Rate 1.5 Miles per $1 Spent*
  • Redeeming is Easy Redeem rewards for cash or travel credit
  • Annual Fee $0
  • Credit Needed
     
    Excellent Credit

    Credit cards for excellent credit are intended for those with a credit score of 700 or Higher.

    Get Your Free Score!
    Excellent/Good Credit
  • Card Brand Discover

Highlights

  • Unlimited 1.5x rewards on every purchase, every day. For every $1 you spend, you earn 1.5x Miles.
  • We'll match all the rewards new cardmembers have earned at the end of their first year. No purchase caps or minimums. No signing up. And no limit. New cardmembers only.
  • Redeem your rewards in any amount for cash or a travel credit. You'll always get $1 for every 100 Miles you've earned.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • 100% U.S. based customer service. Talk to a real person any time.
  • No Annual Fee.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Discover Match® details & other information.

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Capital One® QuicksilverOne® Cash Rewards Credit Card

 

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3.9/5.0 from 27 Offer Ratings
Over the Past 60 Days!

(27) Over the Past 60 Days!
  • Rewards Rate Unlimited 1.5% Cash Back*
  • No Limits or Restrictions No rotating categories, cash back doesn't expire and no limit to how much you can earn*
  • Regular Purchase APR 24.99% (Variable)*
  • Annual Fee $39
  • Credit Needed
     
    Fair Credit

    Credit cards for fair credit are intended for those with a credit score between 600 - 659.

    Get Your Free Score!
    Average/Fair
  • Card Brand Mastercard

Highlights

  • Click "APPLY NOW" to apply online
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use

See additional details for Capital One® QuicksilverOne® Cash Rewards Credit Card

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Credit One Bank® – Earn More Credit Fast

 

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Your Rating:

3.1/5.0 from 15 Offer Ratings
Over the Past 60 Days!

(15) Over the Past 60 Days!
  • Rewards Rate 1% on gas and grocery purchases, terms apply
  • Reports to Credit Bureaus Build credit when used responsibly
  • Regular Purchase APR 15.65% - 24.15% Variable
  • Annual Fee $0-$99
  • Credit Needed
     
    Fair Credit

    Credit cards for fair credit are intended for those with a credit score between 600 - 659.

    Get Your Free Score!
    Bad/Poor/Fair
  • Card Brand Visa

Highlights

  • Click "APPLY NOW" to apply online
  • Find out if you Pre-Qualify without affecting your credit score
  • This is a fully unsecured credit card with no deposit requirement
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • 1% cash back on gas and groceries, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due

See additional details for Credit One Bank® – Earn More Credit Fast

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Capital One® Platinum Credit Card

 

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Your Rating:

3.1/5.0 from 23 Offer Ratings
Over the Past 60 Days!

(23) Over the Past 60 Days!
  • Credit Line Increase Access a higher credit line by making first 5 monthly payments on time
  • Annual Fee Pay no annual fee
  • Regular Purchase APR 24.99% (Variable)
  • Annual Fee $0
  • Credit Needed
     
    Fair Credit

    Credit cards for fair credit are intended for those with a credit score between 600 - 659.

    Get Your Free Score!
    Average/Fair/Limited
  • Card Brand Mastercard

Highlights

  • Click "APPLY NOW" to apply online
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use

See additional details for Capital One® Platinum Credit Card

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Discover it® for Students

 

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Your Rating:

3.8/5.0 from 26 Offer Ratings
Over the Past 60 Days!

(26) Over the Past 60 Days!
  • Intro Purchase APR 0% for 6 Months*
  • Rewards Rate 5% cash back in bonus categories, 1% on everything else*
  • Exclusive Bonus Offer Discover will match all the cash back you earn your first year*
  • Annual Fee $0
  • Credit Needed
     
    Fair Credit

    Credit cards for fair credit are intended for those with a credit score between 600 - 659.

    Get Your Free Score!
    Fair Credit
  • Card Brand Discover

Highlights

  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • Earn 5% cash back in new bonus categories each quarter like gas, restaurants, Amazon.com and more, up to the quarterly maximum each time you activate. Plus, unlimited 1% cash back on all other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements & online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

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Credit One Bank® Unsecured Visa® Credit Card

 

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Your Rating:

3.2/5.0 from 9 Offer Ratings
Over the Past 60 Days!

(9) Over the Past 60 Days!
  • Credit Monitoring Free online monthly credit tracking
  • Rewards Rate 1% on gas and grocery purchases, terms apply
  • Regular Purchase APR 15.65% - 24.15% Variable
  • Annual Fee $0-$99
  • Credit Needed
     
    Fair Credit

    Credit cards for fair credit are intended for those with a credit score between 600 - 659.

    Get Your Free Score!
    Bad/Poor/Fair
  • Card Brand Visa

Highlights

  • Click "APPLY NOW" to apply online
  • This is a fully unsecured credit card with no deposit requirement.
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Flexible payment date to assist you in making your payments on time
  • Free online monthly credit score tracking included

See additional details for Credit One Bank® Unsecured Visa® Credit Card

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Discover it® chrome for Students

 

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Your Rating:

4.0/5.0 from 7 Offer Ratings
Over the Past 60 Days!

(7) Over the Past 60 Days!
  • Intro Purchase APR 0% for 6 Months*
  • Bonus Rewards 2% Cash Back*
  • Exclusive Bonus Offer Discover will match all the cash back you earn your first year*
  • Annual Fee $0
  • Credit Needed
     
    Fair Credit

    Credit cards for fair credit are intended for those with a credit score between 600 - 659.

    Get Your Free Score!
    Fair Credit
  • Card Brand Discover

Highlights

  • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. 1% cash back on all your other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements & online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

See additional details for Discover it® chrome for Students

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Discover it® Secured Credit Card - No Annual Fee

 

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Your Rating:

4.3/5.0 from 38 Offer Ratings
Over the Past 60 Days!

(38) Over the Past 60 Days!
  • Cash Back Rewards 2% at restaurants & gas stations, 1% on everything else*
  • Credit Limit Credit line will equal your security deposit of $200 or more*
  • Rates and Fees No annual fee, no late fee on your first late payment. No penalty APR*
  • Annual Fee $0
  • Credit Needed
     
    Fair Credit

    Credit cards for fair credit are intended for those with a credit score between 600 - 659.

    Get Your Free Score!
    Fair/New to Credit
  • Card Brand Discover

Highlights

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • A security deposit of $200 or more will establish your credit line (up to the amount we can approve). Automatic monthly reviews starting at 7 months to see if we can transition you to an account with no security deposit.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.
  • Tools to assist you; email alerts, text reminders and 24/7 customer service. Plus get your FICO® Credit Score for free on monthly statements and online.
  • Discover matches all the cash back you've earned at the end of your first year - automatically. New cardmembers only.
  • No late fee on your first late payment. And paying late won't raise your APR.
  • Click "Apply Now" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

See additional details for Discover it® Secured Credit Card - No Annual Fee

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Milestone® Gold MasterCard®

 

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Your Rating:

3.1/5.0 from 22 Offer Ratings
Over the Past 60 Days!

(22) Over the Past 60 Days!
  • MasterCard Gold Benefits Accepted Worldwide and $0 Fraud Liability
  • Customize Your card Choose a design from our premium gallery
  • Regular Purchase APR 23.9% variable
  • Annual Fee $35-$99, depending on creditworthiness*
  • Credit Needed
     
    Fair Credit

    Credit cards for fair credit are intended for those with a credit score between 600 - 659.

    Get Your Free Score!
    Average/Fair/Bad
  • Card Brand Mastercard

Highlights

  • Click "APPLY NOW" to apply online
  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • Free online account access

See additional details for Milestone® Gold MasterCard®

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Capital One® Spark® Classic for Business

 

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Your Rating:

3.0/5.0 from 10 Offer Ratings
Over the Past 60 Days!

(10) Over the Past 60 Days!
  • Rewards Rate Earn 1% cash back on all purchases*
  • Extra Perks No foreign transaction fees & complimentary fraud coverage*
  • Regular Purchase APR 23.24% (Variable)*
  • Annual Fee $0
  • Credit Needed
     
    Fair Credit

    Credit cards for fair credit are intended for those with a credit score between 600 - 659.

    Get Your Free Score!
    Average/Fair/Limited
  • Card Brand Visa

Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

See additional details for Capital One® Spark® Classic for Business

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Journey® Student Rewards from Capital One®

 

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Your Rating:

3.8/5.0 from 26 Offer Ratings
Over the Past 60 Days!

(26) Over the Past 60 Days!
  • Rewards Rate Earn 1% cash back on all purchases*
  • Bonus Cash Back Earn 25% bonus on cash back you earn each month you pay on time*
  • Credit Limit Increase Higher credit line after 5 on-time monthly payments*
  • Annual Fee $0
  • Credit Needed
     
    Fair Credit

    Credit cards for fair credit are intended for those with a credit score between 600 - 659.

    Get Your Free Score!
    Average/Fair/Limited
  • Card Brand Visa

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There’s no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

See additional details for Journey® Student Rewards from Capital One®

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Credit One Bank® Platinum Visa® for Building Credit

 

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Your Rating:

3.0/5.0 from 14 Offer Ratings
Over the Past 60 Days!

(14) Over the Past 60 Days!
  • Customize Your card Choose a design from our premium gallery
  • Rewards Rate 1% on gas and grocery purchases, terms apply
  • Regular Purchase APR 15.65% - 24.15% Variable
  • Annual Fee $0-$99
  • Credit Needed
     
    Fair Credit

    Credit cards for fair credit are intended for those with a credit score between 600 - 659.

    Get Your Free Score!
    Bad/Poor/Fair
  • Card Brand Visa

Highlights

  • Click "APPLY NOW" to apply online
  • See if you Pre-Qualify without harming your credit score
  • 1% cash back on gas and groceries, terms apply
  • This is a fully unsecured credit card with no deposit requirement
  • Flexible payment date to assist you in making your payments on time
  • Automatic reviews for credit line increase opportunities

See additional details for Credit One Bank® Platinum Visa® for Building Credit

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*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.

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Picture of Vernita Ann Shepard

By: | May 18, 2016

I have purchased a rental home and I want to get a credit card to use for maintenance.

Picture of Sue Proctor Pridgen

By: | Jan 27, 2016

Having Credit Cards got me into trouble 20+ years ago. Took care of the problem cut them up and swore off credit cards for life. Now not having credit cards is hurting my credit. My credit score is poor to fair depending on where you look. Mainly because my mother who just passed away a couple of years ago took care of my finances. I'm on disability and my check went into direct deposit with hers and our bills got paid out of the one big account. I didn't get a salary. My money just paid the bills. Except for the Doctor bills. Mom let them accumulate. After she passed I have worked hard to get everyone paid off. I have cleaned up most of them with the exception of 2. However all were medical bills. The credit bureau said it probably wouldn't go up much more. They want me to prove I know how to handle money by taking a high interest rate credit card. I know how to handle money and that is not to take a high interest rate credit card and continue to keep my doctors I have to see on a regular basis paid up and happy instead of getting behind again. I am looking for a low interest rate, no annual fee, no set-up fee, mainly to buy groceries, gas and things like that. Just to build my credit back up. I pay all of the bills with my check every month. My son and I live together and he takes care of his stuff and any left over bills. But because I can't explain this when applying it just looks plain bad when a credit card checks into my account. I feel so much better. At least maybe someone will read this and understand what I am looking for and why.

1 Reply

By: CompareCards | Jan 27, 2016

Hi Sue,

I understand why you don't want to open a credit card with a high interest rate, but it's important to remember that you will only pay interest if you carry a balance on your credit card. If you only use your credit card to make purchases that you know you can afford, like gas and groceries as you mentioned, then you won't pay a penny in interest no matter how high the interest rate is as long as you pay the balance off in full each month.

Picture of Penni Defrin

By: | Jan 22, 2016

I applied for Capitol One and was approved and then applied for a Credit One and was told that there were too many hits on my credit and it looked like fraudulent activity. I am just trying to establish credit. Is there a trick for how many times you can apply in a certain time frame so that it doesn't appear that way? Or when should I apply again for the Credit One? How soon is too soon?

1 Reply

By: CompareCards | Jan 25, 2016

Hi Penni,

There is no consistent rule as to how recent credit inquires card issuers will count as too many. If you are trying to build credit I would recommend focusing on making all of your payments on time with your new Capital One card. After a year or so of responsible use, your credit score should rise significantly and you'll easily be able to get approved for another credit card to continue building credit.

Picture of Angel Santos

By: | Jan 3, 2016

I believe in Fairness and capital one and credit one bank approved me for 2 cards. So that i can building my credit and be able to get a loan from a bank to lease or buy a house. I dont make much money but paying to live in a house beats anyway paying rent to something that's never gonna be yours.

Picture of Debbye Dyer

By: | Dec 7, 2015

Diana there are some cards for rebuilding credit. They do have a yearly fee and high interest but they do report to credit bureaus so helping your credit. I've used Surge, Total and First Premier Bank cards. Was satisfied with all of them. I'm now getting a Capital One card with lower interest and no fee.

Picture of Diana Farrell

By: | Nov 9, 2015

PEOPLE MAKE MISTAKES IN LIFE THE USE THIER CREDIT CARDS LIKE CRAZY BUT WHEN TRYING TO REBIULD THIER CREDIT BACK, NONE GIVES THEM A CHANCE TO DO ANYTHING. DONT PEOPLE BEILEVE IN 2ND CHANCES ANY MORE???

1 Reply

By: Saul Aranda | Jan 9, 2016

Here is something to Think about: If you lend me $1000.00 and I only payed back $200 (still owe $800). And a a couple of years go by, then I ask you to lend me $500.00. Will You lend me the $500? Will you forgive the fact that I still owe you $800.

Picture of Lisa Witt

By: | Aug 31, 2015

Return to me for me to determine what type of credit card because my credit ain't real good my credit ain't real bad

Picture of Joy Gordon

By: | Aug 1, 2015

what is best card for balance transfers

1 Reply

By: CompareCards | Aug 4, 2015

Hi Joy,

The Chase Slate is certainly one of the best balance transfer credit cards. It offers 0% APR for the first 15 months on both new purchases and balance transfer as well as no annual fee and no balance transfer fee.

Picture of Jjbarbque Jaramillo

By: | Mar 10, 2015

Credit cards are like good friends Take good care of them and never over use them.

1 Reply

By: Aretha Tensley Baker | Mar 9, 2016

Lol i like that

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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 an 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.

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