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The 3 Most Popular Credit Cards for People with Fair Credit

The 3 Most Popular Credit Cards for People with Fair Credit

Editorial Disclosure: Editorial content, including card comparisons and card reviews are not provided or commissioned by the credit card issuer. Opinions expressed here are the author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Creditcards.org may be compensated through Affiliate Programs for referrals.

• Posted: August 01, 2015 • Updated: July 27, 2016

Consumers with fair credit are eligible for credit cards which encourage and reward financially sound decisions.  By signing up for one of these cards and taking a responsible approach to your finances, you’ll be able to directly improve your credit score faster than you thought possible. With far greater rewards and lower fees than those offered to consumers with no credit, these three options offer individuals a lot to gain and little to lose.   
1. Capital One® QuicksilverOne® Cash Rewards Credit card Capital One® QuicksilverOne® Cash Rewards Credit card
A superb option for those with fair credit, the Capital One® QuicksilverOne® offers worthwhile perks while allowing you to improve your credit score. With a low annual fee and unlimited rewards that never expire, this credit card understandably boasts a very high customer satisfaction rating. Moreover, by making your monthly payments on time, you’ll be rewarded with a higher credit line.

Additionally, you’ll be able to take advantage of Capital One®’s impressive fraud coverage, which includes $0 liability if your card is lost or stolen. With included travel insurance and 24/7 assistance available, the QuicksilverOne® is ideal for those frequently on the go.
Apply

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Capital One® QuicksilverOne® Cash Rewards Credit Card

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Card Highlights:
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  • Earn unlimited 1.5% cash back on every purchase, every day
  • Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017
  • 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
  • 0% intro APR on purchases for 9 months; 23.24% variable APR after that
  • 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


2. Barclaycard® Rewards MasterCard® Barclaycard® Rewards MasterCard® 
With great cash back offers including double rewards on certain purchases, this Barclaycard® enables you to cash in on your perks even if you’re not a big spender. With no annual fee and rewards on every single one of your purchases, there’s a lot about this card which appeals to those with fair credit. Even better, there’s no need to feel pressured to spend them earlier than you’d like, since your rewards never expire.

Another plus of the Barclaycard® Rewards MasterCard® is that you’ll receive help with raising your credit score in multiple ways. For example, you’ll be sent alerts when changes in your credit score are observed. Furthermore, you’ll be eligible for a credit line increase if you consistently make your payments on time, which can also improve your credit score.
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Barclaycard Rewards MasterCard®

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Card Highlights:
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  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing
  • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
  • No limit on the number of points you can earn or redeem
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
  • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad


3. Capital One® Platinum Credit Card Capital One® Platinum Credit Card
This MasterCard will help you improve your credit score and enable you to take advantage of Capital One®’s user-friendly Credit Tracker tool without having to pay an annual fee. If you’re looking for a safe credit card that comes with comprehensive fraud protection and a reasonable APR, then the Capital One® Platinum Card should be on your radar.

Like all other Capital One® cards, this platinum card comes with customer service around the clock, 24/7 account monitoring, and personalized payment schedules to maximize their convenience.  With no transfer fee and timely credit increases, the Capital One® Platinum Card regularly receives positive reviews from a wide range of consumers.
Apply

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Capital One® Platinum Credit Card

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Card Highlights:
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  • Pay no annual fee
  • 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
  • Help strengthen your credit for the future with responsible card use

Click Here to view all of our cards for fair credit holders >>

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