Credit Cards for Fair Credit

Credit Cards for Fair Credit – Credit Cards for Average Credit
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Credit One Bank® - Earn More Credit Fast

 

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Your Rating:

3.1/5.0 from 59 Cardholder Reviews Over the Past 60 Days!

Rewards Rate

1% on Gas & Grocery Purchases

Reports to Credit Bureaus

Build Credit When Used Responsibly

Regular Purchase APR

15.65%- 24.15% Variable

Annual Fees

$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

Highlights

  • Click "APPLY NOW" to apply online
  • Get Pre-Qualified 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 & groceries, terms apply
  • Zero fraud liability protects you from unauthorized charges

Capital One® QuicksilverOne® Cash Rewards Credit Card

 

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Your Rating:

4.0/5.0 from 270 Cardholder Reviews Over the Past 60 Days!

Rewards Rate

Unlimited 1.5% Cash Back*

Intro Purchase & BT APR

0% intro APR until November 2016

Regular Purchase APR

23.24%(Variable)

Annual Fees

$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

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
  • 0% intro APR on purchases until November 2016; 23.24% variable APR after that
  • 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

Capital One® Platinum Credit Card

 

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Your Rating:

3.1/5.0 from 116 Cardholder Reviews 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 Fees

$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

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

Barclaycard Rewards MasterCard®

 

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Your Rating:

3.1/5.0 from 97 Cardholder Reviews Over the Past 60 Days!

Bonus Rewards

2 points per $1 on gas, grocery & utility purchases*

Rewards Rate

Earn 1 point per $1 on all other purchases

Regular Purchase APR

25.24%* Variable

Annual Fees

$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

Highlights

  • Click "APPLY NOW" to apply online
  • 2X points on purchases for gas, groceries and utilities, and 1X points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing
  • No limits on the number of points you can earn or redeem
  • Starting at 1,000 points for $10, points can be redeemed for statement credits and gift cards
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • $0 Fraud Liability on unauthorized charges

Credit One® Unsecured Visa® Card

 

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Your Rating:

3.1/5.0 from 75 Cardholder Reviews Over the Past 60 Days!

Credit Monitoring

Free online monthly credit tracking

Rewards Rate

1% on Gas & Grocery Purchases

Regular Purchase APR

15.65%- 24.15% Variable

Annual Fees

$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

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
  • Get Pre-Qualified without harming your credit score
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Pick your payment due date to fit your schedule
  • Free online monthly credit score tracking included

Milestone® Gold MasterCard®

 

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Your Rating:

3.1/5.0 from 101 Cardholder Reviews 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 Fees

$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

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

Discover it® for Students - Good Grades Rewards

 

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Your Rating:

3.7/5.0 from 109 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% for 6 Months*

Bonus Rewards

5% Cash Back*

Exclusive Bonus Offer

Double cash back at end of 1st year*

Annual Fees

$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

Highlights

  • We'll double all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202-Automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more-up to the quarterly maximum when you sign up.* 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 overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

Capital One® Spark® Classic for Business

 

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Thanks for rating!

Your Rating:

3.1/5.0 from 87 Cardholder Reviews Over the Past 60 Days!

Rewards Rate

Earn 1% cash back on all purchases

Regular Purchase APR

23.24% (Variable)

Rates and Fees

No annual fee & no foreign transaction fees

Annual Fees

$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

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

Journey® Student Rewards from Capital One®

 

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Thanks for rating!

Your Rating:

4.0/5.0 from 119 Cardholder Reviews 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

Regular Purchase APR

20.24% (Variable)

Annual Fees

$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

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

Discover it® chrome for Students - Good Grades Rewards

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 69 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0% for 6 Months*

Bonus Rewards

2% Cash Back*

Exclusive Bonus Offer

Double cash back at end of 1st year*

Annual Fees

$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

Highlights

  • We'll double all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202-Automatically. Only for new cardmembers.*
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter-no signups 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 overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.

Citi ThankYou® Preferred Card for College Students-Earn 2,500 Bonus Points

 

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Thanks for rating!

Your Rating:

3.7/5.0 from 138 Cardholder Reviews Over the Past 60 Days!

Intro Purchase APR

0%* for 7 Months on Purchases

Rewards Rate

2 ThankYou Points on restaurants & entertainment*

Regular Purchase APR

14.24% - 24.24%* (Variable)

Annual Fees

$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

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months of cardmembership.
  • 2 ThankYou® Points per dollar spent on purchases for dining at restaurants and entertainment. 
  • 1 ThankYou® Point on other purchases.
  • Points do not expire and earn unlimited Thank You Points with this card
  • Redeem ThankYou Points for merchandise, travel rewards, gift cards, cash and more
  • Travel with ease and enjoy global acceptance with Chip Technology
  • No annual fee*

Credit One Bank® Platinum Card for Building Credit

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.1/5.0 from 57 Cardholder Reviews Over the Past 60 Days!

Customize Your card

Choose a design from our premium gallery

Rewards Rate

1% on Gas & Grocery Purchases

Regular Purchase APR

15.65%- 24.15% Variable

Annual Fees

$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

Highlights

  • Click "APPLY NOW" to apply online
  • Get Pre-Qualified without harming your credit score
  • 1% cash back on gas & groceries, terms apply
  • This is a fully unsecured credit card with no deposit requirement
  • Pick your payment due date to fit your schedule
  • Automatic reviews for credit line increase opportunities

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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 your 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.

You should definitely try to avoid unnecessary fees, so I would recommend opening the Capital One Platinum Credit Card, which has no annual fee or application fee.

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.

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.

Updated on

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.