Credit Cards for Fair Credit

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Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more

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27 Card Offers

Intro bonus

N/A*

Rewards

N/A*

Ongoing APR

29.99% Variable

Annual Fee

$59

Intro bonus

N/A*

Rewards

5% Cash Back on Gas, Groceries & Utilities
1% Cash Back on All Other Purchases

Ongoing APR

28.74% Variable

Annual Fee

$95

Intro bonus

N/A*

Rewards

1% Cash Back on Payments

Ongoing APR

18.99% Variable

Annual Fee

$39

Intro bonus

N/A*

Rewards

N/A*

Ongoing APR

34.99% Variable

Annual Fee

$0

Intro bonus

Earn 10,000 bonus points after spending $1,000 on eligible purchases in the first 90 days from your account opening and redeem for a $100 statement credit, gift cards, or travel

Rewards

10x Points on Eligible Hotels & Car Rentals
5x Points on Eligible Travel, Dining & Gas
1x Points on All Other Purchases
Intro Bonus Worth:
$100

Ongoing APR

28.74% Variable

Annual Fee

$95

Intro bonus

N/A*

Rewards

N/A*

Ongoing APR

30.99% Variable

Annual Fee

$39

Intro bonus

N/A*

Rewards

1% Cash Back on Payments

Ongoing APR

24.24% Variable

Annual Fee

$25 Annual Fee for first year; after that $35 annually

Intro bonus

N/A*

Rewards

1% Cash Back on Gas, Groceries & Utilities

Ongoing APR

28.74% Variable

Annual Fee

$75 First year. $99 thereafter, billed monthly at $8.25

Intro bonus

N/A*

Rewards

2% Cash Back on every purchase

Ongoing APR

18.99% - 28.99% (Variable)

Annual Fee

$0

Intro bonus

N/A*

Rewards

1% Cash Back on Gas, Groceries & Utilities

Ongoing APR

28.74% Variable

Annual Fee

$75 First year. $99 thereafter, billed monthly at $8.25

Intro bonus

N/A*

Rewards

1% Cash Back on Payments

Ongoing APR

14.99% Variable

Annual Fee

$49

Intro APR

0% Intro APR on Purchases and 10.99% Intro APR on Balance Transfers for 6 months

Ongoing APR

17.99% - 26.99% Variable APR

Rewards

2% Cash Back on Gas Stations & Restaurants
1% Cash Back on All Other Purchases

Annual Fee

$0

Intro bonus

N/A*

Rewards

1% Cash Back on Eligible Gas, Grocery Purchases and Mobile, Internet, Cable and Satellite TV Services

Ongoing APR

28.74% Variable

Annual Fee

$0

Intro bonus

N/A*

Rewards

5% Cash Back on Hotels and Rental Cars Booked Through Capital One Travel
1.5% Cash Back on All Purchases

Ongoing APR

29.99% (Variable)

Annual Fee

$39

Intro bonus

N/A*

Rewards

N/A*

Ongoing APR

24.90%

Annual Fee

$75 the first year; $99 thereafter

Intro bonus

N/A*

Rewards

5% Cash Back on Walmart.com
2% Cash Back on Restaurants & Travel
2% Cash Back on Walmart In-store Purchases
1% Cash Back on All Other Purchases

Ongoing APR

17.99% or 29.49% (Variable)

Annual Fee

$0

Intro bonus

N/A*

Rewards

1% Cash Back on All Purchases

Ongoing APR

28.74% Variable

Annual Fee

$39

Intro APR

0% for 15 months on Purchases and Balance Transfers

Ongoing APR

18.99% - 28.99% (Variable)

Rewards

5% Cash Back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter
1% Cash Back on All Other Purchases
Intro Bonus Worth:
$200

Annual Fee

$0

Intro APR

0% Intro APR on Purchases and 10.99% Intro APR on Balance Transfers for 6 months

Ongoing APR

17.99% - 26.99% Variable APR

Rewards

5% Cash Back on everyday purchases at different places each quarter
1% Cash Back on All Other Purchases

Annual Fee

$0

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Credit cards for fair credit

What is considered fair credit?

A fair credit rating based on a FICO Score includes scores ranging from 580 to 669. Generally, applicants in this FICO Score range are considered to be subprime borrowers. Applicants within this FICO Score range may be offered higher interest rates or less ideal terms.

How to work on fair credit

When you check your FICO Score, it includes the positive and negative factors that are impacting your credit, such as too few accounts paid on time, short account histories, and other negative items. The score factors are ordered with the most severe at the top of the list. Once you have identified the things impacting your personal credit, you can work towards your goals for better credit.

Applying for and using credit cards

When applying for credit cards, it is important to understand what the actual cost to you will be when using the credit card. The things to take into consideration are not only the typical fees, such as an annual fee, and the APR, but additional service fees. You can find more information by reviewing a credit card’s terms and conditions. Credit cards are a very useful tool, and when used wisely, may help build your credit and increase your purchasing power.

Things to look for when you have fair credit
  • Spending limits: Looking for a credit card with a smaller credit limit may be easier to qualify for, and could even limit the amount of possible misuse, such as excessive spending that could lead to burdening debt. By making small charges and paying off the balance every month, you can show your credit usage is responsible and reliable to would-be creditors down the road.
  • Fees and APR: Paying attention to how much you are paying in interest and any fees will help you understand your total costs. And, knowing how much you are spending to use a credit card will help you maximize any rewards you may receive. If you had spent $500 on a cash back credit card with 1% rewards that had an average APR, and only paid the minimum payment of $15 when the bill was due, then the interest you pay for that month could be $8. In this example, the $5 cash back for spending the $500 would be wiped out and you would actually owe more because of the interest paid.
  • Shopping for cards: Learn what is available for you based on your FICO Score and credit profile. Once you know what your options are, choose the best one that fits you and apply. Applying for multiple credit cards in a short period of time could hurt your credit, since each application can cause a hard inquiry on your credit report. It can also indicate a potential risk of a significant amount of new and sudden debt. And, with having multiple credit cards opened, there could be an ongoing risk of charging more than what you can repay. Applying for and using credit cards wisely can go a long way in helping you meet the credit goals you have.

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ΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more