Fair Credit

Credit Cards for Fair CreditCredit cards for fair credit are generally for those with a FICO score at least 600 and who mostly pay their credit cards, loans, and other bills on time. Note that FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, your credit score alone does not guarantee or imply approval for any particular credit card offer. The following are the best credit card offers for fair credit as selected by the CreditCards.org staff:
Barclaycard® Rewards MasterCard® - Average Credit Apply Now
  • 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 blackout date, 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® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
658
average
595
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 24.99% (Variable)* $0* Average Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 24.99% (Variable)*
Annual Fee $0*
Credit Needed Average Credit*
Capital One® Platinum Credit Card Apply Now
  • Start with no 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
  • Pick the monthly payment due date that works best for you
  • Pay however you want–by check, online, or at a local branch, all with no fee
  • Get access to your account 24 hours a day, 7 days a week
  • Start building for the future with features that can help you get there
607
average
554
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 24.9% Variable* $0 intro for first year; $19 after that* Fair Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 24.9% Variable*
Annual Fee $0 intro for first year; $19 after that*
Credit Needed Fair Credit*
Capital One® QuicksilverOne℠ Cash Rewards Credit Card Apply Now
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time
  • No limit to the cash back you can earn
  • Your cash back doesn't expire
  • 0% intro APR on purchases until January 2015
  • 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
618
average
563
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until January 2015* N/A* 22.9% Variable* $39* Fair Credit*
Intro APR Purchases 0%-until January 2015*
Intro APR Balance Transfer N/A*
Regular APR 22.9% Variable*
Annual Fee $39*
Credit Needed Fair Credit*
Capital One® Classic Platinum Credit Card Apply Now
  • 0% intro APR on purchases until January 2015
  • 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
  • Pick the monthly payment due date that works best for you
  • Pay however you want - by check, online, or at a local branch, all with no fee
  • Get access to your account 24 hours a day, 7 days a week
  • Start building for the future with features that can help you get there
614
average
557
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
0%-until January 2015* N/A* 22.9% Variable* $39* Fair Credit*
Intro APR Purchases 0%-until January 2015*
Intro APR Balance Transfer N/A*
Regular APR 22.9% Variable*
Annual Fee $39*
Credit Needed Fair Credit*
  • 1% back on all gas purchases
  • No limit to the gas rewards you can earn
  • Rewards post to your account automatically each month
  • Get pre-qualified without affecting your credit score
  • Make your first six payments on time and get a credit line increase
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Choose your card design from our premium gallery
  • Email or text alerts to remind you when your payment is due
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 17.90%-23.90% (V)* $35-$75* Fair Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 17.90%-23.90% (V)*
Annual Fee $35-$75*
Credit Needed Fair Credit*
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Pre-Qualifying for our card is easy, fast and won't affect your credit score!
  • Email or text alerts to remind you when your payment is due
  • Get a credit line increase automatically after you make your first six monthly payments on time
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 17.90%-23.90% (V)* $35-$75* Fair Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 17.90%-23.90% (V)*
Annual Fee $35-$75*
Credit Needed Fair Credit*
Discover it® for Students with $20 Cashback Bonus Apply Now
  • Fair. No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014.*
  • Human. Talk to a real person any time with 100% U.S.-based service.
  • Safe. Because you're never responsible for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.*
  • *Click "Apply" to see rates, rewards and other information.
656
average
606
lowest
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 12.99%-21.99% Variable* $0* Average Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR 12.99%-21.99% Variable*
Annual Fee $0*
Credit Needed Average Credit*
  • Checking Account Required
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit)
  • Reports to the major Consumer Reporting Agencies.
  • If approved, once your account is opened you will have access to millions of merchants worldwide (subject to available credit)
  • Trying to rebuild your credit history? It may be possible if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* See website* See website* Bad / Fair Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR See website*
Annual Fee See website*
Credit Needed Bad / Fair Credit*
  • Checking Account Required
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit).
  • Optional Payment Protection Available
  • A credit card offer for those lacking perfect credit.
  • Rebuilding your credit history may be possible: make on time payments to all your creditors and keep your account balances low relative to the credit limit.
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* See Website* See Website* Bad Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR See Website*
Annual Fee See Website*
Credit Needed Bad Credit*
  • Checking Account Required
  • If approved, pay a Processing Fee, and make your first two minimum payments on time, and $25 will be donated to the Edith Sanford Breast Cancer Foundation.
  • The donation is made at no additional expense to you.
  • If you have less-than-perfect credit, we may approve you when others won't.
  • Our application is easy and confidential.
  • Get an application response in 60 seconds or less.
Intro APR Purchases Intro APR Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* See Website* See Website* Bad Credit*
Intro APR Purchases N/A*
Intro APR Balance Transfer N/A*
Regular APR See Website*
Annual Fee See Website*
Credit Needed Bad Credit*

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Credit Cards › Fair Credit

† Credit Karma users have received approvals with these TransUnion New Account credit scores. These approved metrics are only guidelines and approval is not guaranteed.