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Compare Credit Cards for Fair Credit

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Choosing a credit card has never been easier. Browse cards based on credit bands, quickly compare offers, and find the right fit for you.

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Cards for Fair Credit

Even though your credit score may be in the Fair Credit range, there still are some good cards in this category. Some may even have rewards. If you are approved, expect a low credit line and potentially an annual fee. Regardless of how small the credit limit may be, responsible use of these cards will help build your credit. Compare offers from our partners.

Capital One QuicksilverOne Cash Rewards Credit Card

3.9
832 Reviews
Learn More
Regular APR
29.74% (Variable)
Annual Fee
$39
Credit Needed
Average, Fair, Limited
Highlights
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
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Rates & Fees
Regular APRAnnual FeeCredit Needed
29.74% (Variable)$39Average, Fair, Limited

Capital One Platinum Credit Card

4.1
867 Reviews
Learn More
Regular APR
29.74% (Variable)
Annual Fee
$0
Credit Needed
Average, Fair, Limited
Highlights
  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
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Rates & Fees
Regular APRAnnual FeeCredit Needed
29.74% (Variable)$0Average, Fair, Limited

First Access Visa® Card

3.5
52 Reviews
Learn More
Regular APR
35.99%*
Annual Fee
See Terms*
Credit Needed
Fair
Highlights
  • An initial credit limit Up To $500! (See terms*)
  • First Access gives you 1% Cash Back – perfect credit not required!
  • Applying only takes a few minutes, and we will provide a credit response in 60 seconds or less.
  • Manage your account & 1% Cash Back Rewards on the First Access Card Mobile App!
  • *See Rates, Fees, Costs & Limitations for complete offer details https://www.firstaccesscard.com/pdf/firstaccess_rates_fees_costs_and_limitations.pdf
  • See First Access Rewards Programs Terms & Conditions for details https://www.firstaccesscard.com/documents/TBOMrewards.pdf
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Regular APRAnnual FeeCredit Needed
35.99%*See Terms*Fair

First Digital Mastercard®

3.3
36 Reviews
Learn More
Regular APR
35.99%*
Annual Fee
$75.00 1st year, $48.00 after*
Credit Needed
Poor/Damaged/Fair
Highlights
  • Earn 1% cash back rewards on payments made to your First Digital Credit Card
  • Checking Account Required
  • $300 credit limit (subject to available credit)
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • *See Rates, Fees, Costs & Limitations for complete offer details https://images.totalcardinc.com/documents/cardholderagreement/CHA_202208FD1_1.pdf
  • See Cash Back Rewards Programs Terms & Conditions for details https://images.totalcardinc.com/documents/firstdigitalrewards.pdf
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Regular APRAnnual FeeCredit Needed
35.99%*$75.00 1st year, $48.00 after*Poor/Damaged/Fair

Reflex® Platinum Mastercard®

4.2
32 Reviews
Learn More
Regular APR
35.90% Fixed
Annual Fee
$75 - $125
Credit Needed
Fair/Poor/Bad/Limited
Highlights
  • Up to $1,000 Initial Credit Limit
  • See if you Pre-Qualify with No Impact to your Credit Score
  • Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
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Rates & Fees
Regular APRAnnual FeeCredit Needed
35.90% Fixed$75 - $125Fair/Poor/Bad/Limited

FIT™ Platinum Mastercard®

2.7
22 Reviews
Learn More
Regular APR
35.90% Fixed
Annual Fee
See terms
Credit Needed
Fair/Poor/Bad
Highlights
  • $400 Initial Credit Limit
  • Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
  • Unsecured credit card requires No Security Deposit
  • Perfect card for everyday purchases and unexpected expenses
  • Monthly reporting to the three major credit bureaus
  • Use your card everywhere Mastercard is accepted at millions of locations
  • Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
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Regular APRAnnual FeeCredit Needed
35.90% FixedSee termsFair/Poor/Bad

Credit One Bank® Unsecured Visa® with Cash Back Rewards

3.3
210 Reviews
Learn More
Regular APR
29.49% Variable
Annual Fee
$0 - $99
Credit Needed
Bad, Fair or Good Credit
Highlights
  • 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 services, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Free Online Credit Score and Credit Report summary, terms apply
  • This unsecured card requires no deposit and can help build your credit
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Show off your personality by selecting from a variety of card designs, a fee may apply
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See Rates and Fees
Regular APRAnnual FeeCredit Needed
29.49% Variable$0 - $99Bad, Fair or Good Credit

Aspire® Cash Back Rewards Mastercard

3.1
22 Reviews
Learn More
Regular APR
36% Fixed
Annual Fee
$85-$175 first year, $229 thereafter
Credit Needed
Fair
Highlights
  • Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free Access to your Credit Score†
  • *See Program Terms for important information about the cash back rewards program.
  • ** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
  • † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
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Regular APRAnnual FeeCredit Needed
36% Fixed$85-$175 first year, $229 thereafterFair

Milestone® Mastercard®

0
0 Reviews
Learn More
Regular APR
35.90%
Annual Fee
$250 for the first year, and $99 thereafter
Credit Needed
Fair
Highlights
  • Guaranteed $1,000 credit limit if approved.
  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
  • Don't Have Perfect Credit? No Problem!
  • Join over a million consumers who are working on building their access to credit.
  • Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
  • Get the credit you deserve, even with less-than-perfect history.
  • No security deposit, and a path to better credit.
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Regular APRAnnual FeeCredit Needed
35.90%$250 for the first year, and $99 thereafterFair

About Fair Credit Cards

At Credit Sesame, a fair credit score is typically between 550 – 639. This is based on a VantageScore 3.0 model provided by TransUnion and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website. Your credit score may vary from what you see elsewhere based on the credit bureau, date of the credit report, and credit scoring model. Credit card issuers and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions so, having a credit score in a particular range is not a guarantee that you will be approved for a credit card or approved for the terms you applied for.

Credit cards for fair credit may offer features similar to those for good credit but on a slightly smaller scale. Someone with good credit might be able to qualify for a card that offers 2% cash back on purchases while a consumer with fair credit may qualify for a credit card that offers 1.5% or 1% cash back.

Credit cards for fair credit tend to charge higher APRs, but many are available with no annual fee.

Raising a fair credit score boils down to using credit the right way, managing your account responsibly. Pay your bill on time each month and don’t owe more than 30% of your credit limit (if your credit card has a low limit, pay the bill before the statement closing date to keep the utilization rate as low as possible). Keep older accounts open even if you don’t use them, and don’t apply for credit unless you really need it.

A good or excellent credit score opens the door to more credit options. That doesn’t mean, however, that you can’t find a credit 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 credit card that has no penalty rate and if possible set up automatic payments.

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 credit card terms. If you choose the right credit card for fair credit, you can build great credit without having the added expense of an annual fee.

Helpful Resources

Ask the Expert: Should I Close the Retail Store Card I Opened?

Dummies Guide to Disputing Credit Card Charges

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Ask the Expert: Should I Close the Retail Store Card I Opened?

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When You Should Opt for Credit Over Debit

View all articles

Advertiser Disclosure: Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.

Editorial Content Disclosure: The editorial content on this page (including, but not limited to, Pros and Cons) is not provided by any credit card issuer. Any opinions, analysis, reviews, or recommendations expressed here are the author’s alone, not those of any credit card issuer, and have not been reviewed, approved or otherwise endorsed by any credit card issuer.

† Approval Odds: Credit Sesame calculates your approval odds by comparing your credit profile to other Credit Sesame members who were approved for this product. These approval odds are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and criteria to make credit and lending decisions. The TransUnion credit score we provide is based on the VantageScore 3.0 model and may not be the credit scoring model used by financial institutions presenting offers on our website.

†† Average and Lowest Scores: “Average” and “Lowest” scores refer to the scores of Credit Sesame members who were approved for this product. These scores are estimates only and do not guarantee approval. Lenders, credit card issuers, and other financial institutions use a variety of different types of credit scores and other criteria to make credit and lending decisions. The TransUnion credit score Credit Sesame provides you is based on the VantageScore 3.0 model and may not be the credit scoring model used by the financial institutions presenting offers on the Credit Sesame website.

Provider’s Terms: *See the online provider’s application for details about terms and conditions. Reasonable efforts have been made to maintain accurate information, however, all information is presented without warranty or guarantee. When you click to apply, you can review the terms and conditions on the provider’s website. Offers are subject to change and the terms displayed may not be available to all consumers.

Loan APR Estimates: Annual Percentage Rates, loan terms and monthly payments shown are estimated based upon analysis of your credit profile, information you entered, and/or rate information provided by lenders. While efforts have been made to maintain accurate information, the loan information is presented without warranty and the estimated APR or other terms shown do not bind any lender. All loans are subject to credit review and approval. When evaluating offers, please review the lender’s terms and conditions for additional details.

Reviews: User reviews and responses are not provided, reviewed, approved or otherwise endorsed by the banks, issuers and credit card advertisers. It is not the banks, issuers, and credit card advertiser’s responsibility to ensure all posts are answered. The Credit Sesame website star ratings are an average based on contributions from independent users not affiliated with Credit Sesame. Banks, issuers and credit card advertisers are not responsible for star ratings, nor do they endorse or guarantee any posted comments or reviews.

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Advertiser Disclosure

Many of the offers that appear on this site are from companies from which Credit Sesame receives compensation. This compensation may impact how and where products appear (including, for example, the order in which they appear). Credit Sesame provides a variety of offers, but these offers do not include all financial services companies or all products available.

Credit Sesame is an independent comparison service provider. Reasonable efforts have been made to maintain accurate information throughout our website, mobile apps, and communication methods; however, all information is presented without warranty or guarantee. All images and trademarks are the property of their respective owners.