Credit Cards for Fair Credit

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20 Card Offers

Intro bonus

N/A*

Rewards

1% Cash Back on All Purchases

Ongoing APR

20.24% (Variable)

Annual Fee

$0

Intro bonus

N/A*

Rewards

1% Cash Back

Ongoing APR

17.99% - 23.99% Variable

Annual Fee

$0 - $99

Intro bonus

N/A*

Rewards

N/A*

Ongoing APR

25.99% Variable

Annual Fee

$39

Intro APR

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

Ongoing APR

12.99% - 21.99% Variable

Rewards

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

Annual Fee

$0

Intro bonus

N/A*

Rewards

1% Cash Back on All Purchases

Ongoing APR

23.99% Variable

Annual Fee

$39

Intro bonus

N/A*

Rewards

N/A*

Ongoing APR

6.99% - 29.99%

Annual Fee

$0

Intro bonus

N/A*

Rewards

N/A*

Ongoing APR

25.90% - 29.99% Variable

Annual Fee

$75 - $99

Intro bonus

N/A*

Rewards

N/A*

Ongoing APR

25.90% - 29.99% Variable

Annual Fee

$75 - $99

Intro APR

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

Ongoing APR

12.99% - 21.99% Variable

Rewards

5% Cash Back on Rotating Categories
1% Cash Back on All Other Purchases

Annual Fee

$0

Intro bonus

N/A*

Rewards

5% Cash Back on Eligible Purchases
1% Cash Back on All Other Purchases

Ongoing APR

23.99% Variable

Annual Fee

$95

Intro bonus

N/A*

Rewards

N/A*

Ongoing APR

35.99%

Annual Fee

$75 Annual Fee for first year; after that $48 annually

Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation, however the compensation does not impact how or where the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.

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, credit score alone does not guarantee or imply approval for any offer.

*For complete information, see the offer terms and conditions on the issuer or partner's website. Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.

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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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.