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Credit Cards for Fair Credit

3.8 - 689 reviews for top rated card - Over the Past 60 Days!

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

3.8/5.0 from 689 Cardholder Reviews Over the Past 60 Days!

 
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Intro Purchase APR

0% until March 2016

Rewards Rate

Earn 1.5% Cash Back on all Purchases*

Regular Purchase APR

22.9% (Variable)

Sign Up Offer
Intro Purchase APR 0% intro on purchases until March 2016
Intro Balance Transfer: 0% intro on balance transfers until March 2016
Ongoing Information
Regular Purchase APR: 22.9% (Variable)
Annual Fee: $39
Credit Needed:
 
Fair Credit

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

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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
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until March 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until March 2016
  • 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
More Card Details

 

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Your Rating:

3.1/5.0 from 38 Cardholder Reviews Over the Past 60 Days!

 
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Customize Your card

Choose a design from our premium gallery

Gas Rewards

1% on Gas Purchases

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:
 
Good Credit

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

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Good/Fair
Highlights
  • Click "APPLY NOW" to apply online
  • 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
More Card Details

 

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Your Rating:

3.0/5.0 from 62 Cardholder Reviews Over the Past 60 Days!

 
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Sign Up Offer

Annual Fee

$0 annual fee for first year

Access to higher credit line

Make first 5 monthly payments on time

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 credit score between 600 - 659.

Get Your Free Score!
Average/Fair/Limited
Highlights
  • Click "APPLY NOW" to apply online
  • 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
More Card Details

 

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Your Rating:

3.1/5.0 from 110 Cardholder Reviews Over the Past 60 Days!

 
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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

24.99%* Variable

Sign Up Offer
Intro Purchase APR N/A
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 24.99%* Variable
Annual Fee: $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
  • 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.
More Card Details

 

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Your Rating:

3.1/5.0 from 44 Cardholder Reviews Over the Past 60 Days!

 
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Sign Up Offer

Credit Monitoring

Free online monthly credit tracking

Gas Rewards

1% on Gas Purchases

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 credit score between 600 - 659.

Get Your Free Score!
Average/Fair
Highlights
  • Click "APPLY NOW" to apply online
  • 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 your payment due date to fit your schedule
More Card Details

 

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Your Rating:

3.1/5.0 from 73 Cardholder Reviews Over the Past 60 Days!

 
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Sign Up Offer

Customize Your card

Choose a design from our premium gallery

MasterCard Gold Benefits

Accepted Worldwide and $0 Fraud Liability

Regular Purchase APR

23.9% variable

Sign Up Offer
Intro Purchase APR N/A
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 23.9% variable*
Annual Fee: $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
More Card Details

 

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Your Rating:

3.7/5.0 from 83 Cardholder Reviews Over the Past 60 Days!

 
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Intro Purchase APR

0%* for 6 Months

Bonus Rewards

Earn 5% Cash Back*

Exclusive Bonus Offer

Double cash back at end of 1st year*

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 credit score between 600 - 659.

Get Your Free Score!
Fair Credit
Highlights
  • Click "APPLY NOW" to apply online
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Exclusive offer: Double all the cash back you've earned at the end of your 1st year—automatically.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on statements, online & by mobile app.* 100% U.S.-based service any time. Text alerts when payment is due & a free mobile app to stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.7/5.0 from 47 Cardholder Reviews Over the Past 60 Days!

 
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Sign Up Offer

Monthly Credit Reporting

Reports to all Three Major Credit Bureaus

Same Day Response

Response Provided in Seconds

Regular Purchase APR

29.99%

Sign Up Offer
Intro Purchase APR N/A
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 29.99%
Annual Fee: $75 for first year, then $48 annually
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
  • Checking Account Required
  • Fast and easy application process
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.2/5.0 from 17 Cardholder Reviews Over the Past 60 Days!

 
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Sign Up Offer

Rewards Rate

Earn 1% cash back on all purchases

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 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
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 49 Cardholder Reviews Over the Past 60 Days!

 
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Bonus Rewards

25% cash back bonus each month*

Bonus Cash

1% cash back on all purchases

Regular Purchase APR

19.8% (Variable)

Sign Up Offer
Intro Purchase APR N/A
Intro Balance Transfer: N/A
Ongoing Information
Regular Purchase APR: 19.8% (Variable)
Annual Fee: $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 purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for 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 or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly 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
More Card Details

 

Click the stars to submit your rating.

Thanks for rating!

Your Rating:

3.8/5.0 from 52 Cardholder Reviews Over the Past 60 Days!

 
About our ratings Show Card Details
Apply Now

Apply Securely

Intro Purchase APR

0%* for 6 Months

Bonus Rewards

Earn 2% Cash Back*

Exclusive Bonus Offer

Double cash back at end of 1st year*

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 credit score between 600 - 659.

Get Your Free Score!
Fair Credit
Highlights
  • Click "APPLY NOW" to apply online
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Exclusive offer: Double all the cash back you've earned at the end of your 1st year—automatically.*
  • 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.
  • Free FICO® Credit Score on statements, online & by mobile app.* 100% U.S.-based service any time. Text alerts when payment is due & a free mobile app to stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
More Card Details

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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.

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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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