Credit Card for Fair Credit
Credit Card | Best For | Credit Score | Annual Fee | Welcome Bonus |
---|---|---|---|---|
Overall | 580–739 | $39 | ||
High Credit Limits | 300–669 | $0 | ||
Unsecured (No Deposit) | 580–739 | $0 | ||
Travel | 580–739 | $95 | 10,000 | |
Building Credit | 580–739 | $0 | $200 cash back | |
Students | 580–739 | $0 | Cashback match |
Table of Contents
Having a fair credit score may not sound that bad, but in the world of credit, it’s definitely undesirable. Fair credit scores (FICO scores between 580–669) are on the low end of the credit scale, and discount you from qualifying for the majority of credit cards. However, there’s still hope.
The best way to get your credit score up to the good range and start qualifying for better cards, is to get a credit card for fair credit and use it responsibly. Luckily, there are some decent credit cards available to those with fair or average credit—and we’ve found the best ones.
Best credit cards for fair credit
Here are the top credit cards you can get if you have fair credit.
Best overall credit card for fair credit
Capital One® QuicksilverOne®
Annual
Fee
$39 |
Credit
Score
580–739 |
Purchase
APR
28.49% (variable) |
Rewards
-
Capital One Travel
5% cash back on hotels and rental cars booked through Capital One Travel
-
Everything Else
1.5% cash back on all other eligible purchases
Why It's Great
If you’re looking for a credit card for fair credit, the Capital One® QuicksilverOne® is a great pick. It’s low-cost, straight-forward, and earns some rewards while helping you build credit.
As a Capital One credit card, the Capital One® QuicksilverOne® enjoys Capital One benefits like CreditWise—a credit monitoring service that keeps you up-to-date on your credit score and its fluctuations.
Tools like these are important when you have fair credit, as you can quickly build your score into the good range and start qualifying for better credit cards.
Along with its ability to build credit, the Capital One® QuicksilverOne® offers 1.5% cash back on all of your purchases and 5% on certain travel purchases, meaning you can easily profit off of frequent use of this card. However, make sure your cashback earnings make up for the reasonable $39 annual fee.
Pros & Cons
Pros
- 1.5%–5% rewards rate
- No foreign transaction fees
- No SSN needed to apply
- No penalty APR
Cons
- $39 annual fee
- High APR
- 5% travel cash back only applies to hotels and car rentals
Best credit card for fair credit with high credit limits
Petal 2 "Cash Back, No Fees" Visa®
Rating Breakdown
Fees
4.7Because the Petal 2 Visa® stays true to its “no fees” name, it scores very highly in this category.
APR
2.2The Petal 2 Visa® has a wide range of interest rates, and less creditworthy borrowers could be hit with high APR.
Rewards
2.5This card has a fairly complicated rewards program, although it’s still one that’s worth having.
Credit Reporting
5.0Petal cards report to all three of the major credit bureaus, so the Petal 2 Visa® ticks all the boxes for building credit.
Credit Limit
5.0The Petal 2 Visa® gives you a credit line of up to $10,000, which is very generous.
Other
We gave the Petal 2 Visa® extra credit for its accessibility, since it accepts applicants with no credit score and applicants without a Social Security number.
Annual
Fee
$0 |
Credit
Score
300–669 |
Purchase
APR
15.99%–29.99% (variable) |
Rewards
-
All Purchases
1%–1.5% cash back on all eligible purchases (your rate increases to 1.25% after 6 on-time payments, 1.5% after 12 on-time payments)
Why It's Great
Fair credit borrowers looking for high credit limits and high approval odds should look no further than the Petal® 2 “Cash Back, No Fees” Visa®. As the name suggests, the card comes at a supremely low cost, as it doesn’t charge annual fees, foreign transaction fees, or even late fees.
On top of that, it offers credit limits between $500–$10,000. The spending potential on the Petal® 2 is incredibly high, especially considering it’s a credit card for fair credit and isn’t secured (doesn’t require a deposit).
Last but not least, the Petal® 2 offers cashback rewards at the following rates:
- 1% cash back on all purchases
- 1.25% cash back on all purchases after making 6 on-time monthly payments
- 1.5% cash back on all purchases after making 12 on-time monthly payments
- 2%–10% cash back on purchases with select merchants
Pros & Cons
Pros
- No deposit required
- No fees
- 1%–10% cashback rewards rate
- Pre-approval process
- Credit reporting
Cons
- Potentially high APR
- No introductory APR
- No balance transfers or cash advances
Best unsecured credit card for fair credit
Capital One Platinum® Mastercard®
Annual
Fee
$0 |
Credit
Score
580–739 |
Purchase
APR
28.49% (variable) |
Why It's Great
The Capital One® Platinum Mastercard® may not be the jazziest option on the market, but if you have fair credit and want an accessible and reliable credit-building card, this unsecured credit card is a good choice.
The Capital One® Platinum Mastercard® doesn’t come with any rewards, but it offers the standard Capital One benefits, including credit monitoring through CreditWise and no foreign transaction fees.
Capital One also reports monthly activity to the major credit bureaus, so you can build credit quickly by using your card responsibly. For no security deposit and no annual fee, this card provides an inexpensive temporary solution for fair credit borrowers ready to move onto good-credit cards.
Pros & Cons
Pros
- No annual fee
- No foreign transaction fees
- Credit tracking
- Credit limit increases after 6 months
Cons
- No rewards
- High APR
- Limited Capital One benefits
Best travel credit card for fair credit
Credit One Bank Wander® Card
Annual
Fee
$95 |
Credit
Score
580–739 |
Purchase
APR
26.99% (variable) |
Rewards
-
Welcome Bonus
10,000 after you spend $1,000 in 90 days
-
Credit One Travel Partner
10x points on eligible hotels and car rentals booked using the Credit One Bank travel partner
-
Travel
5x points on eligible travel purchases
Why It's Great
If you have average credit and are looking for a lucrative travel rewards card, the Credit One Bank Wander® Card is probably the top of your list. The Credit One Bank Wander® Card is one of the most rewarding credit cards on the market, offering cashback rates on par with luxury travel cards (which are usually only available for excellent credit). Here’s how the rewards work:
- 10x points on hotels and rental cars booked through the Credit One travel partner
- 5x points on eligible flights, dining, and gas purchases
- 1x points on everything else
On top of that, you’ll get a 10,000 point welcome bonus (worth $100) when you spend $1,000 in your first 3 months of borrowing.
The catch is that the card comes with a $95 annual fee. While this is easily made up in the first year by the welcome bonus alone, you’ll have to use the card enough in following years to earn rewards that outweigh the cost of the fee.
Pros & Cons
Pros
- 1%–10% cash back
- $100 welcome bonus
- Available to average credit borrowers
- Additional cash back with select merchants
Cons
- $95 annual fee
- High APR
- All fair credit borrowers may not qualify
Best fair-credit card for building credit
Upgrade Triple Cash Rewards
Annual
Fee
$0 |
Credit
Score
580–739 |
Purchase
APR
14.99%–29.99% (variable) |
Credit
Limit
$500–$25,000 |
Rewards
-
Welcome Bonus
$200 cash back when you open a Rewards Checking account and make 3 debit card transactions
-
Home, Auto, & Health
3% cash back on home, auto, and health purchases when you pay them back
-
Everything Else
1% cash back on all other eligible purchases
Why It's Great
The Upgrade Triple Cash Rewards card offers fair-credit borrowers a unique opportunity to build credit. Rather than acting like a traditional credit card, the Upgrade Triple Cash Rewards acts as an installment loan—and reports your payments that way to the credit bureaus.
This means what you spend on the card will be tallied up at the end of the billing cycle and broken into fixed installment payments. And because your account activity is reported as an installment loan rather than revolving credit, having an Upgrade Triple Cash Rewards credit card can contribute to your credit mix (an important factor in your credit score).
On top of the credit-building potential, the Upgrade Triple Cash Rewards offers cashback in the form of 3% back on purchases in the following categories:
- Home
- Auto
- Health
For everything else, you'll earn a cashback rate of 1%.
Pros & Cons
Pros
- Cashback rewards
- No fees
- Predictable fixed repayments
- Premium Visa® benefits
- Available to holders of average credit
Cons
- Cash withdrawals unavailable
- Higher monthly payment amount
- No direct balance transfers
- No introductory zero-interest offers
Best student credit card for fair credit
Discover it® Student Cash Back
Annual
Fee
$0 |
Credit
Score
580–739 |
Purchase
APR
15.99%–24.99% (variable) |
0% APR
Period
6 Months |
Rewards
-
Welcome Bonus
Cashback match earns you a dollar-for-dollar match on your first-year rewards
-
Rotating Category
5% cash back on select purchases each quarter (e.g., Amazon, grocery stores, restaurants, gas stations, and PayPal), up to the quarterly maximum
-
Everything Else
1% cash back on all other eligible purchases
Why It's Great
The Discover It® Student Cash Back is a great credit card for students with fair credit or not-yet-established credit scores. The rewards are generous, offering:
- 5% cash back on rotating bonus categories
- 1% cash back on everything else
- Dollar-for-dollar cashback match your first year
Bonus categories rotate every quarter and can include gas, groceries, dining, or similar rewards groups. But what we love most about this card is how much it gives you in the first year of borrowing. Along with the cashback match, you'll get 6 months of 0% APR.
The no-interest period and doubled rewards the first year will no doubt help fund a big transition, like moving out of your family home or furnishing your first apartment.
Pros & Cons
Pros
- $0 annual fee
- No foreign transaction fees
- Cashback rewards
- Cashback bonuses in the first year
- Introductory offers on APRs and fees
- No fee for first late payment
Cons
- High APR
- Complicated bonus rewards
- Limited acceptance abroad
What is fair credit?
Fair credit is a FICO credit score between 580–669 or a VantageScore between 601–660. While fair credit is also sometimes referred to as average credit, fair credit is actually below the mean American credit score, and is considered subprime.
Being in the subprime credit range means you’ll have a harder time qualifying for lines of credit (including loans and credit cards) and likely be offered less favorable borrowing terms (like higher interest rates).
What credit cards can I get with fair credit?
With a fair credit score you can qualify for the following types of credit cards:
- Secured credit cards: Secured credit cards require a security deposit that’s usually equal to the credit limit. The deposit acts as collateral, so secured cards are easier to get if you have bad or fair credit.
- Unsecured credit cards: If you don’t want to pay a security deposit, you can still qualify for unsecured cards with fair credit (or even bad credit in some cases). Unsecured cards may not require money upfront, but they often come with an annual fee when they’re for borrowers with fair credit.
How do I choose a credit card for fair credit?
To choose the right fair-credit credit card for you, consider the following questions:
- Do you want a secured or unsecured card?
- Are you willing to pay an annual fee?
- Do you want cashback rewards?
- How much credit do you need?
- Are you going to regularly carry a balance?
- Do you want the option to upgrade to a better credit card in time?
How you answer these questions and which ones hold priority for you will help you limit your search based on fees, interest rates, and borrowing benefits.
How we rate our credit cards
Getting a new credit card is a big decision. That's why we heavily weighted the following factors when determining the best credit cards for fair credit:
- Fees
- Rewards
- Qualification requirements
- Interest rates
- Benefits
- Borrowing terms
These factors, among many others, are part of our 5-star credit card rating methodology for all card categories. Our star ratings are unbiased and independent of our affiliates and advertisers.