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BestCreditCardsGuide

Credit Cards for Fair Credit

These cards list fair credit as a recommended profile. Fair credit often reflects a short history or a few past problems. Cards in this range tend to have higher APRs and lower starting limits, but steady on-time payments can move you toward better offers over time.

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173 cards · select up to 3 to compare side by side

Discover it® Chrome for Students

  • Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years
  • Earn 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all…
Annual fee
None
Recommended credit
Fair / No Credit Required
Intro APR
0% for 6 months from date of account opening date

Upgrade Triple Cash Rewards Visa®

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make…
Annual fee
None
Recommended credit
Excellent / Good / Fair
Purchase APR
14.99% to 29.99% variable based on creditworthiness and the Prime Rate

First Horizon Bank Platinum Premier Visa® Credit Card

  • 0% introductory APR for 12 months on purchases and balance transfers
  • Access to Visa® Perks, like rental car insurance and emergency assistance
Annual fee
None
Recommended credit
Good / Fair
Intro APR
0% for 12 months from account opening date

Capital One® Spark® Classic for Business

  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • $0 Fraud Liability if your card is lost or stolen, and get real-time alerts of fraud attempts via text, email, or phone
Annual fee
None
Recommended credit
Good / Fair
Purchase APR
30.49% variable based on the Prime Rate

Capital One Quicksilver Student Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • Early Spend Bonus: Earn $50 when you spend $100 in the first three months
Annual fee
None
Recommended credit
Fair
Purchase APR
19.99% - 29.99% variable based on creditworthiness and the Prime Rate

Merrick Bank Secured Credit Card

  • Choose your own credit line based on how much money you want to put down as a security deposit
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money…
Annual fee
$36 for first year. Billed $3 per month thereafter
Recommended credit
Good / Fair / Poor
Purchase APR
22.70% Variable

Capital One SavorOne Student Cash Rewards Credit Card

  • Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding…
  • Limited Time Offer: Earn $50 when you spend $100 in the first three months
Annual fee
None
Recommended credit
Fair
Purchase APR
19.99% - 29.99%% variable based on creditworthiness and the Prime Rate

Bethpage Mastercard® Be You Rewards Credit Card

  • Earn 25,000 promotional points when you spend $3,000 within 90 days of opening your account
  • 3X points for every $1 spent in one category of your choice
Annual fee
$95
Recommended credit
Fair
Purchase APR
16.15% to 18.00% variable based on creditworthiness and the Prime Rate

America First Credit Union Visa Classic Credit Card

  • Personalize your card design with Picture Perfect
  • Choose the card that's right for you: Select between a low-rate or cash back option
Annual fee
None
Recommended credit
Good / Fair
Purchase APR
15.74% to 18% variable based on creditworthiness and the Prime Rate

Bank of America® Travel Rewards Credit Card for Students

  • 25,000 bonus points after spending $1,000 within 90 days
  • Earn unlimited 1.5 points per dollar spent on all purchases
Annual fee
None
Recommended credit
Fair / No Credit Required
Intro APR
0% for 18 months from account opening date

Vegas Golden Knights Credit Card

  • Earn 1% cash back on gas and groceries as well as your monthly mobile phone, internet, cable, and satellite TV services
  • Complimentary access to your Experian credit score
Annual fee
$0 to $95 for the first year. After that, $0 to $99
Recommended credit
Excellent / Good / Fair
Purchase APR
28.99% variable based on the Prime Rate

Credit One Bank® Platinum Visa® for Rebuilding Credit

  • See if you Pre-Qualify without harming your credit score
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV…
Annual fee
$75 for the first year. After that, $99 annually (Billed at…
Recommended credit
Fair / Poor
Purchase APR
28.99% variable based on the Prime Rate

SchoolsFirst FCU School Employee Mastercard

  • Earn 1.5% cash back on purchases — deposited into your Summer Saver account
  • Enjoy an interest-only payment option during the summer when you may not be working or getting a paycheck
Annual fee
None
Recommended credit
Excellent / Good / Fair
Purchase APR
11.75% to 17.90% variable based on creditworthiness and the Prime Rate

Navy Federal More Rewards American Express® Card

  • Earn 25,000 points (a $250 value) when you spend $3,000 within 90 days of opening an account
  • A great choice for everyday spending and grocery shopping
Annual fee
None
Recommended credit
Excellent / Good / Fair
Purchase APR
14.65% to 18.00% variable based on creditworthiness and the Prime Rate

Webster Visa® Business Cash Preferred Card

  • Earn 3% cash back on all eligible net purchases from office supply stores and cellular phone, landline, internet and…
  • 2% cash back on restaurant and gas station eligible net purchases
Annual fee
None
Recommended credit
Good / Fair
Intro APR
0% for 6 months from account opening date

Los Angeles Federal Credit Union Platinum Visa Credit Card

  • Introductory APR of 2.9% for first 6 months of account approval, on purchases and balance transfers for transactions…
  • Low interest rates for a personal credit card
Annual fee
None
Recommended credit
Good / Fair
Intro APR
4.90% for 6 months on purchases made during the first 90 days from…

Truist Enjoy Cash Secured Credit Card

  • Earn up to 3% cash back on gas, 2% on utilities and groceries (with a combined $1,000 monthly cap), and 1% back on all…
  • Monthly payment history will be reported to three major credit bureaus
Annual fee
$19
Recommended credit
Fair / Poor
Purchase APR
24.24% variable based on creditworthiness and the Prime Rate

OneMain Financial BrightWay℠ Card

  • Build your credit with no-time payments and graduate to the $0 annual fee Brightway+ credit card
  • Lower APR or higher credit limit with 6 on-time payments
Annual fee
See issuer terms
Recommended credit
Fair
Purchase APR
29.74% or 30.49% variable based on the Prime Rate

Black Hills Federal Credit Union Visa Traditional Business Credit Card

  • No annual fee, no cash advance fee and no balance transfer fee
  • Grace period on purchases
Annual fee
None
Recommended credit
Good / Fair
Purchase APR
8.90% to 17.9% variable based on creditworthiness

America First Credit Union Visa Platinum Credit Card

  • Personalize your card with your own image, and choose from one of four perk options
  • No balance transfer fees
Annual fee
None
Recommended credit
Good / Fair
Purchase APR
12.24% to 18% variable based on creditworthiness and the Prime Rate

SchoolsFirst FCU Rewards Mastercard® Credit Card

  • Earn 1.5 points per dollar spent on every purchase
  • Redeem points for cash, travel, merchandise and more. Points earning is unlimited and they never expire
Annual fee
None
Recommended credit
Excellent / Good / Fair
Purchase APR
15.00% to 17.90% variable based on creditworthiness and the Prime Rate

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  • Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
  • Earn 3% cash back on Sam's Club purchases for Plus members. Club members earn 1% cash back
Annual fee
None
Recommended credit
Excellent / Good / Fair
Purchase APR
20.9% or 28.9% variable based on creditworthiness and the Prime Rate