The below are credit card offers chosen by the CompareCards.com editor team which reflect the most consumer value for fair credit applicants.
Apply Securely
0% on Purchases until March 2014*
Roadside Assistance & Extended Warranty*
Card Highlights:
Purchase APR
0% on Purchases until March 2014*
Balance Transfer:
N/A
Apply Securely
Annual Fee
$0 annual fee for first yearCard Protection
$0 Fraud LiabilityCard Highlights:
Purchase APR
N/A
Balance Transfer:
N/A
Regular APR:
24.90% (Variable)
Annual Fee:
$0 intro for first year; $19 after that
Credit Needed:
Apply Securely
2 points per $1 on gas, grocery & utility purchases*
Card Highlights:
Purchase APR
N/A*
Balance Transfer:
N/A*
Regular APR:
24.99%* (Variable)
Annual Fee:
$0
Rewards Rate:
2 points per $1 on gas, grocery & utility purchases*
Credit Needed:
Apply Securely
Travel Protection
Free Travel Accident Insurance & Auto Collision Damage WaiverCredit Line
Starting at $300 to $500Card Highlights:
Purchase APR
N/A*
Balance Transfer:
N/A*
Regular APR:
23.9% (V)
Annual Fee:
$75 First year (Introductory period). $99 thereafter”
Credit Needed:
Apply Securely
Improve Your Credit Score
Free Credit Bureau ReportingWide Acceptance Rates
Individuals of all credit typesCard Highlights:
Purchase APR
N/A*
Balance Transfer:
N/A*
Apply Securely
1% cash back on all purchases
2% cash back on travel purchases
Card Highlights:
Purchase APR
N/A
Balance Transfer:
N/A
Apply Securely
$20 Cash Back Bonus
Card Highlights:
Purchase APR
N/A
Balance Transfer:
N/A
Apply Securely
0%* for 6 Months
5% cash back*
Card Highlights:
Purchase APR
0%* for 6 Months
Balance Transfer:
See Terms
Apply Securely
25% cash back bonus each month*
1% cash back on all purchases
Card Highlights:
Purchase APR
N/A
Balance Transfer:
N/A
Apply Securely
No Annual Fee & Auto Credit Line Increases
1% cash back on every purchase
Card Highlights:
Purchase APR
N/A
Balance Transfer:
N/A
Regular APR:
22.9% (V)
Annual Fee:
$0
Rewards Rate:
1% cash back on every purchase
Credit Needed:
Updated on
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 fair credit 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 fair credit card for your situation. 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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*Disclamer: See the online credit card application for details about terms and conditions. This site may be compensated by credit card issuers when a reader applies for a credit card through the links on this site. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click on the "Apply Here" button and review info on the secure credit card terms page.
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