Credit Cards for Fair Credit
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Personalized credit card partner offers are not available in Maine, Massachusetts, Nevada, New Hampshire, North Dakota, Oregon, Rhode Island, and Vermont.
25 Card Offers
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.
Platinum Prestige Mastercard® Secured Credit Card
Intro bonus
N/A*
Rewards
N/A*
Ongoing APR
9.99%
Annual Fee
$49
Fingerhut Advantage Credit Account issued by WebBank
Intro bonus
N/A*
Rewards
N/A*
Ongoing APR
29.99%
Annual Fee
$0*
Upgrade Visa® Card with Cash Rewards
Intro bonus
N/A*
Rewards
Earn 1.5% unlimited cash back on card purchases every time you make a payment
Ongoing APR
8.99% - 29.99%
Annual Fee
$0
Platinum Select Mastercard® Secured Credit Card
Intro bonus
N/A*
Rewards
N/A*
Ongoing APR
13.99%
Annual Fee
$39
Total Visa® Unsecured Credit Card
Intro bonus
N/A*
Rewards
N/A*
Ongoing APR
See terms*
Annual Fee
See terms*
NextGen Platinum Mastercard® Credit Card
Intro bonus
N/A*
Rewards
N/A*
Ongoing APR
35.99%
Annual Fee
$75 Annual Fee for first year; after that $48 annually
Capital One® Walmart Rewards® Mastercard®
Intro bonus
N/A*
Rewards
5% Back at Walmart.com including Grocery Pickup and Delivery
Ongoing APR
17.99% - 26.99% (Variable)
Annual Fee
$0
Credit One Bank® Platinum Visa® for Rebuilding Credit
Intro bonus
N/A*
Rewards
Automatically earn 1% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.
Ongoing APR
17.99% - 23.99% Variable
Annual Fee
$0 - $99
Discover it® Student Cash Back
Intro APR
0% on Purchases and 10.99% on Balance Transfers for 6 months
Ongoing APR
12.99% - 21.99% Variable APR
Rewards
Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Annual Fee
$0
Journey Student Rewards from Capital One
Intro bonus
N/A*
Rewards
Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month.
Ongoing APR
26.99% (Variable)
Annual Fee
$0
Official NASCAR® Credit Card from Credit One Bank®
Intro bonus
N/A*
Rewards
1% Cash Back Rewards on Eligible Purchases* and Double Cash Back Rewards at the NASCAR Shop, terms apply
Ongoing APR
17.99% - 23.99% Variable
Annual Fee
$0 - $99
Credit One Bank American Express® Credit Card
Intro bonus
N/A*
Rewards
Earn unlimited 1% cash back rewards on all purchases, terms apply
Ongoing APR
23.99% Variable
Annual Fee
$39
Credit One Bank® Platinum Rewards Visa
Intro bonus
N/A*
Rewards
Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Terms Apply.
Ongoing APR
23.99% Variable
Annual Fee
$95
Capital One QuicksilverOne Cash Rewards Credit Card
Intro bonus
N/A*
Rewards
1.5% Cash Back on every purchase, every day
Ongoing APR
26.99% (Variable)
Annual Fee
$39
Discover it® Student chrome
Intro APR
0% on Purchases and 10.99% on Balance Transfers for 6 months
Ongoing APR
12.99% - 21.99% Variable APR
Rewards
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
Annual Fee
$0
Petal® 1 "No Annual Fee" Visa® Credit Card
Intro bonus
N/A*
Rewards
N/A*
Ongoing APR
19.99% - 29.49% Variable
Annual Fee
$0
Platinum Elite Mastercard® Secured Credit Card
Intro bonus
N/A*
Rewards
N/A*
Ongoing APR
19.99%
Annual Fee
$29
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.
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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.
Know more before you apply
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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.