Ad Disclosure

Credit Cards for Fair Credit with No Annual Fee

Credit cards for fair credit with no annual fee are specifically designed for people with FICO scores in the 620-659 range who are looking for a means of building credit at the lowest possible cost. After opening one of the credit cards for fair credit with no annual fee listed below, you have two options: either pay your bill in full every month or avoid using your card at all. Either way, the positive information in your major credit reports will increase, and your credit score will gradually rise. What’s more, this will essentially happen for free, as long…show more

    3 1,228 reviews

    Barclaycard® Rewards MasterCard®


    barclaycard credit card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 25.24% (V)
    • Annual Fee None
    • Rewards Rate 1 - 2 points / $1
    • Rewards Bonus None
    • Minimum Credit Fair
    • Rewards Details
    • 2X cash back rewards on purchases for gas, groceries and utilities
    • 1X cash back rewards on all other purchases
    • Cash back rewards are earned as points which can be redeemed for rewards such as cash back statement credits and gift cards starting at 1,000 points for $10
    • Additional Info
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • Complimentary FICO® Credit Scores as a benefit to active card members
    • No annual fee.
    • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.
    • See More Details & Reviews About The Barclaycard® Rewards MasterCard®
    3.5 1,835 reviews

    Capital One® Platinum Credit Card


    capital one platinum
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 24.99% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Limited History
    • Rewards Details
    • Additional Info
    • Pay no annual fee
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is lost or stolen
    • Use online banking to access your account, even from your smartphone with our mobile app
    • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
    • Get access to your account 24 hours a day, 7 days a week
    • Help strengthen your credit for the future with responsible card use
    • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    • See More Details & Reviews About The Capital One® Platinum Credit Card
    0 0 reviews

    USAA Rate Advantage Platinum Visa®


    usaa rate advantage credit card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 7.15% - 24.15% (V)
    • Annual Fee None
    • Rewards Rate None
    • Minimum Credit Fair
    • Rewards Details
    • Additional Info
    • Enjoy our lowest rate card
    • Pay no annual fee, penalty APR or over-the-limit fee
    • Get travel and retail benefits
    • Special Benefits for Military: Reduced Rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 7.15% and 24.15% will apply. This rate will vary with the market based on the prime rate.Special 4% SCRA Rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
    • Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.
    • See More Details & Reviews About The USAA Rate Advantage Platinum Visa®
    3 49 reviews

    University of North Alabama Credit Card


    university of north alabama credit card
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 10.24% - 22.24% (V)
    • Annual Fee None
    • Rewards Rate 1 point / $1
    • Rewards Bonus 1,000 points
    • Minimum Credit Limited History
    • Rewards Details
    • 1,000 Bonus Points with first purchase.
    • Earn 1 point for every $1 spent with no point cap.
    • Redeem points for travel, merchandise, gift certificates, cash back and more.
    • Redeem points sooner - start redeeming with just 1,500 points.
    • Additional Info
    • Travel Accident Insurance includes $250,000 of coverage when you purchase tickets for travel on common carriers with your Card.
    • Auto Rental Insurance when you charge your entire car rental on your Card.
    • Flexible payment options including U.S. Mail, AutoPay from any United States deposit account, telephone transfer, U.S. Bank ATM, Internet Banking, U.S. Bank branch locations.
    • Zero Fraud Liability.
    • See More Details & Reviews About The University of North Alabama Credit Card
    X
    Credit Score
    Excellent Credit 721 – 850
    Good Credit 661 – 720
    Fair Credit 620 – 660
    Bad Credit 300 – 619
    Limited Credit Less than 3 years
    of credit history

    Not sure?
    Try our free credit check. It takes 20
    seconds and doesn't require personal info.

    Free Credit Check
    I Want


     
    Based on your other criteria:
    No cards have a Regular
    Rate below %.
     

    Credit Card Networks


    Fewer Filters
    Balance Transfer Fee?



    Foreign Transaction Fee?



    Smart Chip Technology

    Community Discussion

    Ask a question or help others find the best credit cards for fair credit with no annual fee by sharing some tips.