A good or excellent credit score opens the door to more credit options. That doesn’t mean, however, that you can’t find a card that will work well for you if you have fair credit.
When you compare credit cards for fair credit, consider your spending habits first. If you have a history of forgetting to pay the bill, for example, look for a card that has no penalty rate and if possible set up automatic payments for at least the minimum amount due.
Pay attention to the APR, but remember that it’s more important to pay off the balance each month and pay no interest at all. Before you jump at an introductory offer, review the fees and other card terms. If you choose the right credit card for fair credit, you can build great credit without incurring finance charges.