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See additional details for Milestone® Gold Mastercard®
See additional details for Discover it® Cashback Match™
See additional details for Credit One Bank® Visa® Credit Card with 1% Cash Back
See additional details for Credit One Bank® Unsecured Visa® Credit Card
See additional details for Capital One® Platinum Credit Card
See additional details for Capital One® QuicksilverOne® Cash Rewards Credit Card
See additional details for Discover it® for Students
See additional details for Journey® Student Rewards from Capital One®
See additional details for Discover it® chrome for Students
See additional details for Discover it® Secured Card - No Annual Fee
See additional details for Capital One® Spark® Classic for Business
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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.