Fair Credit Credit Cards
Credit cards for fair credit are intended for those with a FICO score between 600 and 650. The below are credit card offers chosen by the CompareCards.com editor team which reflect the most consumer value for fair credit applicants.
- Compare the latest credit card offers from major credit companies (credit score: >600)
- Independent ratings and reviews
- Secure and immediate online application process
- Intro APR 0%
- Intro BT APR N/A*
- 2% cash back on gas and groceries
- 1% cash back on all other purchases
- BONUS: Get up to 15% more cash back when you shop online at select merchants through Perk Central
- No limit on the cash you can earn and cash won't expire
- Redeem cash rewards any time for any amount, even set up automatic redemption
- 0% intro APR on purchases until November 2012
- Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% | N/A* | 17.9% - 22.9% (V)* | $39.00* | Average |
- Intro APR 0% until September 2012*
- Intro BT APR N/A*
- 0% intro APR on all purchases until September 2012
- $0 Fraud Liability if your card is lost or stolen
- Enjoy Platinum benefits, including 24-hour roadside assistance and extended warranty protection
- Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% until September 2012* | N/A* | 17.9% - 22.9% (V)* | $39.00* | Average |
- Intro APR N/A*
- Intro BT APR N/A*
- $0 intro annual fee for the first year; $19 after that
- Image Card - personalize your card with an image of your choice
- $0 Fraud Liability if your card is lost or stolen
- Monitor your spending with free text message alerts
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | 24.9% (V)* | $0 intro for first year; $19 after that | Fair |
- Intro APR 0% for 9 Months*
- Intro BT APR 0.00*
- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
- 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 9 Months* | 0.00* | 13.99%-20.99% (V)* | None | Fair |
- Intro APR 0% for 9 Months*
- Intro BT APR 0.00*
- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
- 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 9 Months* | 0.00* | 13.99%-20.99% (V)* | None | Fair |
- Intro APR 0% for 9 Months*
- Intro BT APR 0.00*
- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
- 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 9 Months* | 0.00* | 13.99%-20.99% (V)* | None | Fair |
- Intro APR 0% for 9 Months*
- Intro BT APR 0.00*
- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
- 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 9 Months* | 0.00* | 13.99%-20.99% (V)* | None | Fair |
- Intro APR 0% for 9 Months*
- Intro BT APR 0.00*
- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
- 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
- Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 9 Months* | 0.00* | 13.99%-20.99% (V)* | None | Fair |
- Intro APR 0% for 9 Months*
- Intro BT APR 0.00%*
- 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
- Double Cashback Bonus®* at gas stations and restaurants
- Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
- Up to 1% unlimited Cashback Bonus on everything else you buy
- $0 Fraud Liability plus mobile and email fraud alert options
- Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| 0% for 9 Months* | 0.00%* | 13.99%-20.99% (V)* | None | Fair |
- Intro APR N/A*
- Intro BT APR N/A*
- Designed to help students build good credit with responsible use
- Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit
- Customizable text and e-mail alerts to help keep you on track
- Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time
- No annual fee
- $0 Fraud Liability if your card is lost or stolen
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | 19.8% (V)* | None | Fair |
- Intro APR N/A*
- Intro BT APR N/A*
- A card designed to help those new to the U.S. establish credit and earn cash back
- Build credit with automatic reporting to the three major credit bureaus
- Get 2% cash back on travel purchases
- Earn 1% cash back on all other purchases
- No foreign transaction fees
- No annual fee
| Intro APR: | Balance Transfer: | Regular APR: | Annual Fee: | Credit Needed: |
| N/A* | N/A* | 24.9% (V)* | None | Average |
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Credit Cards 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 unsecured credit card. 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, 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.
