Credit Cards for Fair Credit

3.3 - 183 reviews for top rated card

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Credit Cards for Fair Credit – Credit Cards for Average Credit
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Your Rating:

3.3/5.0 from 183 Cardholder Reviews

 
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Regular Purchase APR

24.99%* Variable

Bonus Rewards

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

Rewards Rate

Earn 1 point per $1 on all other purchases

Sign Up Offer

Intro Purchase APR N/A
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: 24.99%* Variable
Annual Fee: $0
Rewards Rate: Earn 1 point per $1 on all other purchases
Credit Needed:
 
Good Credit

Credit cards for good credit are intended for those with a FICO score between 660 - 699.

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Average Credit

Highlights

  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
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Your Rating:

3.3/5.0 from 256 Cardholder Reviews

 
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Regular Purchase APR

22.9% (Variable)

Intro Purchase APR

0% until September 2015

Rewards Rate

Earn 1.5% Cash Back on all Purchases*

Sign Up Offer

Intro Purchase APR 0% on Purchases until September 2015
Intro Balance Transfer: 0% until September 2015

Ongoing Information

Regular Purchase APR: 22.9% (Variable)
Annual Fee: $39
Rewards Rate: Earn 1.5% Cash Back on all Purchases*
Credit Needed:
 
Fair Credit

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

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Average/Fair

Highlights

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • Cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases until September 2015; 22.9% 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
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
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Your Rating:

3.4/5.0 from 105 Cardholder Reviews

 
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Regular Purchase APR

24.9% (Variable)

Sign Up Offer

Intro Purchase APR N/A
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: 24.9% (Variable)
Annual Fee: $0 intro for first year; $19 after that
Credit Needed:
 
Fair Credit

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

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Average/Fair/Limited

Highlights

  • Start with a $0 intro annual fee for the first year; $19 after that
  • 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
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
 
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Your Rating:

3.2/5.0 from 74 Cardholder Reviews

 
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Regular Purchase APR

17.9% - 23.9% (V)*

Sign Up Offer

Intro Purchase APR N/A*
Intro Balance Transfer: N/A*

Ongoing Information

Regular Purchase APR: 17.9% - 23.9% (V)*
Annual Fee: $35-$99
Credit Needed:
 
Fair Credit

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

Get Your Free Score!
Average/Fair

Highlights

  • Unlimited 1% cash back gas rewards 
  • Get Pre-Qualified for a Platinum Visa credit card 
  • Automatic reviews for credit line increase opportunities
  • Zero fraud liability protects you from unauthorized charges
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Your Rating:

3.2/5.0 from 145 Cardholder Reviews

 
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Regular Purchase APR

19.80% (Variable)

Bonus Rewards

25% cash back bonus each month*

Bonus Cash

1% cash back on all purchases

Sign Up Offer

Intro Purchase APR N/A
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: 19.80% (Variable)
Annual Fee: None
Credit Needed:
 
Fair Credit

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

Get Your Free Score!
Average/Fair/Limited

Highlights

  • Earn 1% cash back on every purchase
  • For every month you pay on time, you receive a 25% bonus—that’s a total of 1.25% cash back
  • 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 fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly payment due date that works best for you
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
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Your Rating:

3.3/5.0 from 38 Cardholder Reviews

 
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or call888-909-5733

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Regular Purchase APR

22.9% (Variable)

Sign Up Offer

Intro Purchase APR N/A
Intro Balance Transfer: N/A

Ongoing Information

Regular Purchase APR: 22.9% (Variable)
Annual Fee: $0
Credit Needed:
 
Fair Credit

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

Get Your Free Score!
Average/Fair/Limited

Highlights

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Separate business expenses from personal expenses
  • 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 additional cost, and experienced small business customer service
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Your Rating:

3.4/5.0 from 81 Cardholder Reviews

 
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Regular Purchase APR

12.99%-21.99%* (Variable)

Intro Purchase APR

0%* for 6 Months

Bonus Rewards

5% cash back*

Sign Up Offer

Intro Purchase APR 0%* for 6 Months
Intro Balance Transfer: 10.99% for 6 Months

Ongoing Information

Regular Purchase APR: 12.99%-21.99%* (Variable)
Annual Fee: $0*
Credit Needed:
 
Fair Credit

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

Get Your Free Score!
Fair Credit

Highlights

  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up for 5%*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • 100% U.S.- based customer service - anytime, day and night
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text- and never responsible for unauthorized Discover card purchases.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply." 
 
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Your Rating:

3.3/5.0 from 28 Cardholder Reviews

 
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Regular Purchase APR

12.99-21.99% *(Variable)

Bonus Cash

Earn 5% Cash Back*

Sign Up Offer

Intro Purchase APR No intro APR
Intro Balance Transfer: 10.99% APR for 6 Months*

Ongoing Information

Regular Purchase APR: 12.99-21.99% *(Variable)
Annual Fee: $0
Credit Needed:
 
Fair Credit

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

Get Your Free Score!
Fair Credit

Highlights

  • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval*.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR*.
  • 5% cash back for online shopping and department store purchases on up to $1,500 - Oct. through Dec. 2014 when you sign up for 5%*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements*.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • 100% U.S.- based customer service - anytime, day and night
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text- and never responsible for unauthorized Discover card purchases.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
 
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Your Rating:

3.2/5.0 from 88 Cardholder Reviews

 
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Regular Purchase APR

12.99%-21.99%* (Variable)

Intro Purchase APR

0%* for 6 Months

Bonus Cash

2% cash back on certain purchases*

Sign Up Offer

Intro Purchase APR 0%* for 6 Months
Intro Balance Transfer: 10.99% for 6 Months

Ongoing Information

Regular Purchase APR: 12.99%-21.99%* (Variable)
Annual Fee: $0*
Credit Needed:
 
Fair Credit

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

Get Your Free Score!
Fair Credit

Highlights

  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR*.
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases for 6 months-then a variable purchase APR applies, currently 12.99% - 21.99%.
  • APR won't go up if you pay late*. 
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • 100% U.S.-based customer service-anytime, day and night.
  • See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
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Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.4/5.0 from 26 Cardholder Reviews

 
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Apply Securely

Regular Purchase APR

12.99-21.99% *(Variable)

Bonus Cash

Earn 2% Cash Back*

Sign Up Offer

Intro Purchase APR No intro APR
Intro Balance Transfer: 10.99% APR for 6 Months*

Ongoing Information

Regular Purchase APR: 12.99-21.99% *(Variable)
Annual Fee: $0
Credit Needed:
 
Fair Credit

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

Get Your Free Score!
Average/Fair

Highlights

  • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed.* 1% cash back on all other purchases.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR*.
  • Free FICO® Credit Score online and on your monthly statements so you can track your score's progress*.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • 100% U.S.-based customer service-anytime, day and night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
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Your Rating:

2.9/5.0 from 17 Cardholder Reviews

 
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Regular Purchase APR

17.90% - 23.9% (Variable)*

Sign Up Offer

Intro Purchase APR N/A*
Intro Balance Transfer: N/A*

Ongoing Information

Regular Purchase APR: 17.90% - 23.9% (Variable)*
Annual Fee: $35-$99
Credit Needed:
 
Fair Credit

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

Get Your Free Score!
Average/Fair

Highlights

  • Free online monthly credit score tracking included
  • Pre-Qualifying for our card is easy, fast and won't affect your credit score
  • Automatic reviews for credit line increase opportunities
  • Pick yor payment due date to fit your schedule
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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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