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Credit Cards for Fair Credit

You likely have fair credit if you opened your first credit card less than three years ago or you’ve made some mistakes with credit in the past. Whatever the case, you’re sure to find an offer that meets your needs among the following selection of credit cards for people with fair credit (which includes products from CardHub advertising partners). These cards not only provide convenience, but can help you further improve your credit standing as well.

Convenience comes from being able to carry less cash and make purchases that require plastic (such as car rentals and online shopping). And, as…show more

    3.5 2,556 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • Purchase Intro APR 0% until November 2016
    • Transfer Intro APR 0% until November 2016 No Transfer Fee
    • Regular APR 23.24% (V)
    • Annual Fee $39
    • Rewards Rate 1.5% Cash Back
    • Rewards Bonus None
    • Minimum Credit Limited History
    • Rewards Details
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
    • Additional Info
    • 0% intro APR on purchases until November 2016; 23.24% variable APR after that
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen
    • Travel & Emergency Assistance - Available 24/7 to help connect you with local emergency and assistance resources when you're away from home
    • Extended Warranty - automatically doubles the original manufacturer's/store's warranty on eligible purchases
    • MasterRental® Insurance - use your card to rent an eligible vehicle and you’re covered for collision, damage, and loss
    • Master RoadAssist® Service - take advantage of 24 hour toll-free dispatch to help with services like towing, fuel delivery, and more
    • See More Details & Reviews About The Capital One® QuicksilverOne® Cash Rewards Credit Card
    3 1,233 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 1,843 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
    • See More Details & Reviews About The Capital One® Platinum Credit Card
    3 572 reviews

    Primor® Secured Visa Gold Credit Card


    primor secured visa gold card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 9.99%
    • Annual Fee $49
    • Monthly Fee None
    • Minimum Credit Bad
    3 1,514 reviews

    First Progress Platinum Select MasterCard® Secured Credit Card


    first progress platinum select mastercard
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 14.99% (V)
    • Annual Fee $39
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Full-feature Platinum MasterCard secured credit card.
    • No credit history or minimum credit score required for approval.
    • Monthly reporting to all 3 major credit bureaus to help build credit.
    • Set your own credit limit, which is secured by your deposit of $200 - $2,000.
    • Deposit held at FDIC-insured bank.
    • 24/7 access to your account online.
    • The First Progress Platinum MasterCard Secured Card requires no credit history or minimum credit score for approval, but the refundable security deposit must be provided before a card can be issued. The new CARD Act regulations also require all credit card issuers to verify the identity of every applicant before approval. We can usually complete this identity verification using fast, automated methods, but it is sometimes necessary for us to contact an applicant in order to verify his or her identity. Applicants will receive their cards more quickly if they respond promptly to our call or letter relating to this verification process. Virtually every applicant who successfully provides the refundable security deposit and passes the identity verification step will be approved for the card. If you have applied for the card and have a question or want to check the status of your application, please call First Progress toll-free at (888) 403-4783.
    • Receive your card more quickly with new Expedited Processing option.
    • See More Details & Reviews About The First Progress Platinum Select MasterCard® Secured Credit Card
    3.5 848 reviews

    First Progress Platinum Elite MasterCard® Secured Credit Card


    first progress platinum elite mastercard
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 14.99% (V)
    • Annual Fee $39
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Full-feature Platinum MasterCard secured credit card.
    • No credit history or minimum credit score required for approval.
    • Monthly reporting to all 3 major credit bureaus to help build credit.
    • Set your own credit limit, which is secured by your deposit of $200 - $2,000.
    • Deposit held at FDIC-insured bank.
    • 24/7 access to your account online.
    • The First Progress Platinum MasterCard Secured Card requires no credit history or minimum credit score for approval, but the refundable security deposit must be provided before a card can be issued. The new CARD Act regulations also require all credit card issuers to verify the identity of every applicant before approval. We can usually complete this identity verification using fast, automated methods, but it is sometimes necessary for us to contact an applicant in order to verify his or her identity. Applicants will receive their cards more quickly if they respond promptly to our call or letter relating to this verification process. Virtually every applicant who successfully provides the refundable security deposit and passes the identity verification step will be approved for the card. If you have applied for the card and have a question or want to check the status of your application, please call First Progress toll-free at (888) 403-4783.
    • Receive your card more quickly with new Expedited Processing option.
    • See More Details & Reviews About The First Progress Platinum Elite MasterCard® Secured Credit Card
    3 601 reviews

    First Progress Platinum Prestige MasterCard® Secured Credit Card


    first progress platinum prestige mastercard secured credit card
    • Secured Credit Card Min Deposit of $200
    • One-Time Fees None
    • Regular Rate 11.99% (V)
    • Annual Fee $44
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • No credit history or minimum credit score required for approval.
    • Monthly reporting to all 3 major credit bureaus to help build credit.
    • Deposit held at FDIC-insured bank.
    • Set your own credit limit, which is secured by your deposit of $200 - $2,000.
    • The First Progress Platinum MasterCard Secured Card requires no credit history or minimum credit score for approval, but the refundable security deposit must be provided before a card can be issued. The new CARD Act regulations also require all credit card issuers to verify the identity of every applicant before approval. We can usually complete this identity verification using fast, automated methods, but it is sometimes necessary for us to contact an applicant in order to verify his or her identity. Applicants will receive their cards more quickly if they respond promptly to our call or letter relating to this verification process. Virtually every applicant who successfully provides the refundable security deposit and passes the identity verification step will be approved for the card. If you have applied for the card and have a question or want to check the status of your application, please call First Progress toll-free at (888) 403-4783.
    • Receive your card more quickly with new Expedited Processing option.
    • See More Details & Reviews About The First Progress Platinum Prestige MasterCard® Secured Credit Card
    3.5 970 reviews

    Milestone Gold MasterCard® Credit Card


    milestone credit card
    • One-Time Fees None
    • Regular Rate 23.9% (V)
    • Annual Fee $35-$99*
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Quick pre-qualification available with no impact to your credit score
    • Fast and easy instant decision
    • Choose your custom card design - Free
    • Free online account access
    • Zero Liability – you’ll never be held liable for unauthorized charges made to your card
    • Accepted at over 35 Million Locations Worldwide!
    • Previous bankruptcy OK
    • *Dependent on credit worthiness
    • See More Details & Reviews About The Milestone Gold MasterCard® Credit Card
    3.5 262 reviews

    USAA Secured Cards® American Express® Card


    usaa secured credit card
    • Secured Credit Card Min Deposit of $250
    • One-Time Fees None
    • Regular Rate 10.15% - 20.15% (V)
    • Annual Fee $35
    • Monthly Fee None
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Best for members rebuilding or establishing credit. It's a real credit card — not a debit or prepaid card
    • Determine your own credit limit ($250 to $5,000) with an interest-earning CD.
    • Retail and Travel Benefits: Collision damage waiver coverage pays for physical damage and theft to most rental vehicles.Identity theft resolutions services provides assistance should you become the victim of identity theft.Extended warranty extends your manufacturers or U.S. store brand warranties for up to one year.Travel accident insurance provides coverage for you and your family members when your card is used to purchase common carrier travel tickets.
    • Security: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.You are not liable for unauthorized purchases. Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.
    • Special Benefits for Military: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 10.15% and 20.15% 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.
    • See More Details & Reviews About The USAA Secured Cards® American Express® Card
    2.5 1,402 reviews

    Matrix Credit Card


    matrix credit card
    • One-Time Fees None
    • Regular Rate 30.24% (V)
    • Annual Fee $125 1st yr, $96 after
    • Monthly Fee None 1st year, $10 after
    • Minimum Credit Bad
    • Rewards Details
    • Additional Info
    • Bad Credit, good Credit, and no Credit. Get yours today!
    • Initial Credit Limit of $500.00!* (subject to available credit)
    • Fast and easy application process; results are provided online!
    • Monthly reporting to the 3 major credit bureaus
    • Use your card at locations everywhere that MasterCard® is accepted
    • Free online account access 24/7
    • Checking Account Required
    • See More Details & Reviews About The Matrix Credit Card
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    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

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    Ask our Experts

    Expert’s Answers

    How can I build my credit with a fair credit credit card?

    By: John Kiernan, Personal Finance EditorTo build your credit effectively with any type of credit card, you must pay your bill on time every month and avoid using your full allotment of credit. If you do this with your fair credit credit card, you’ll be reported to the three major credit bureaus (Experian, Equifax and TransUnion) as having an open line of credit that is in good standing, and your credit file will continually fill up with positive information, lowering the importance of any negative information contained therein. If you don’t believe you can do this, simply open your card and lock it away in a drawer without making any purchases. Your issuer will still report positive information about you to the credit bureaus, given that you are technically being responsible with credit.

    How long until I can upgrade from a credit card for fair credit?

    By: Odysseas Papadimitriou, CardHub CEOCredit building is a process, and it’s easy to get frustrated, especially if your credit used to be above average. However, you shouldn’t worry if your current financial position allows you to comfortably make on-time payments on all your debt obligations and you are progressively applying and getting approved for better credit cards. It usually takes a minimum of three years of paying your bill on time and staying below your credit limits before you can reach good credit, so stay focused and you will soon see the fruits of your labor.

    How high are the limits for fair credit credit cards?

    By: John Kiernan, Personal Finance EditorIn short, they are low--usually somewhere between $300 and $2,000. People with fair credit lack the track record of responsible credit use for the past 3+ years that is usually needed to make credit card companies feel comfortable extending them higher credit lines. If you need a high credit limit, we suggest opening a secured credit card since the security deposit you place acts as your credit line and can be increased whenever you want (usually up to a credit line of $5,000).

    What about rewards?

    By: Odysseas Papadimitriou, CardHub CEOWhile some credit cards for people with fair credit do offer rewards, rewards should not be your focus when looking for a credit card for fair credit. In most cases, you’ll actually see a bigger return from focusing on finding the card with the lowest annual fee and interest rates. If your fair credit credit card happens to have some form of a rewards program, consider that a fringe benefit.

    I have fair credit; should I consider secured credit cards?

    By: Odysseas Papadimitriou, CardHub CEOAbsolutely, any third party that looks at your your credit report (e.g. credit card company, mortgage broker, car dealership, landlord) won’t be able to tell whether you have an unsecured credit card or a secured card. Therefore, while a fully refundable security deposit of at least $200 is required with a secured credit card, a secured card provides the same benefit as an unsecured credit card for fair credit, with the added perk of guaranteed approval. With either type of card, what really matters in terms of how efficiently you build credit is whether you pay your bill on time and how much available credit you have.

    This is where a secured credit card could actually help you. Given that your security deposit acts as your secured credit card’s credit limit, you can increase your available credit at will simply by adding to your deposit. By aggressively increasing your credit limit over time, you could also potentially build credit faster than with an unsecured card. A secured credit card’s deposit-tied limit also benefits you in that it is impossible to incur debt that you cannot afford to pay back. However, credit isn’t being extended to you, meaning you cannot purchase anything you can’t afford in cash, and this may or may not be a negative, depending on your perspective.

    Community Discussion

    Ask a question or help others find the best credit cards for fair credit by sharing some tips.

     
    Dec 10, 2015
    By:
    This is a great card for those whose credit is slightly impaired and the interest is very reasonable. I am sure that those who apply and receive this card will be happily surprised
    Sep 8, 2015
    By:
    Trying to clean up my credit. But don't have money for secured card.
    Feb 7, 2016
    Photo of Tammy S.
    I have bad credit and trying to clean it up this year. Can you suggest any help?
    Sep 3, 2015
    By:
    I have the Capital One Platinum Credit Card. I chose this card because I have a thin credit history and there is a 0% annual fee. It is a great card if you haven't had a card before or are looking for a way to build your credit. It is simple to apply and the card came quickly in the mail. I started with a limit of $300 but after paying off the card every month it was raised to $500. I also had a great customer service experience when I called Capital One because I was over charged for an online purchase. They promptly reversed the fee without issue. I will be using this card for many years!
    Sep 3, 2015
    By:
    I choose my Visa credit card because it was the only one I was able to get. I did not have the best credit so it was hard to get a credit card. My bank informed me if I paid off one debt that they would be able to issue me a card then. So, I went ahead and paid it off and they issued me one. This card has helped me build my credit. I am not ready for another one, but I am glad I was approved for this. The interest is not too high, which helps me a lot.
    Aug 28, 2015
    By:
    I am looking for a card to transfer from my Visa to build up my balance.
    Sep 9, 2015
    Photo of Card H.
    Do you mean that you are looking for a card to which you can transfer an existing balance in order to reduce the cost of debt? If so, the Capital One QuicksilverOne Card is probably your best bet. It offers 0% on transferred balances for nine months and does not charge a balance transfer fee. You can check it out here: http://www.cardhub.com/d/quicksilverone-rewards-75c/
    May 12, 2015
    By:
    I've not used a credit card that specifically requires "fair" credit, but looking at the selection offered here, I would be most likely to choose the Capital One QuicksilverOne Cash Rewards Credit Card. Judging by the rewards that are available (as well as the low interest rate, compared to other cards in this list) and the relatively modest annual fee of $39, it would seem that this would be a useful card to use to raise a lagging credit rating. By having this card and using it for small-to-midsize purchases ($100 and lower), a person with credit issues could definitely help their situation.
    Apr 20, 2015
    By:
    I have the Barclaycard Rewards MasterCard and it's a nice card to have. I like having a Discover, Visa, and Mastercard in case whatever place I'm at doesn't accept one or the other for some reason. The best thing about this card is the lack of annual fee. There are very few circumstances in which I would pay an annual fee for any credit card, and you should be equally discerning. It just doesn't make sense. The rewards program is nice to have but I feel that they are very slow to rack up compared to other cards I own. Still, it's good to be getting something back from using the card. The complimentary credit score is a cool feature they've added recently. It sends you alerts and everything to your email.
    Apr 9, 2015
    By:
    I had some problems with my credit a few years ago, and I found it difficult to qualify for several programs. I eventually was able to sign up for a credit card that allowed fair credit. The company was Capital One, and I was able to gradually improve my credit score over a period of time by using the card and paying the charges on time. The Capital One card has given me a real opportunity to rebuild my credit.
    Mar 31, 2015
    By:
    After graduating college I realized that I needed to start building my credit. I received an offer in the mail to apply for the Capital One Platinum card and I was approved but with a very low limit. I used the card for all of my purchases, having to pay the bill several times a month to stay under my limit, and after about 6 months I was given a pretty substantial credit limit increase. It helped improve my credit score fairly quickly and then I was able to qualify for a few better cards so that I could start earning rewards. If you don't think you can qualify for a great card right now, apply for one of the no frills cards then after responsible use you should be able to qualify for the card you want.
    Mar 30, 2015
    By:
    I am looking for a good credit card with low intrest rates
    Apr 1, 2015
    Photo of Card H.
    You can use our filter on the top left of the page. Just click on the “Low Regular Rate” filter, right under the “I Want” section.
    Mar 25, 2015
    By:
    How do you get a card with no annual fee?
    Apr 1, 2015
    Photo of Ana M.
    Just click on the “No Annual Fee” filter on the top left of the page, right under the “I Want” section.
    Mar 24, 2015
    By:
    After taking some time to build my credit back up to respectful standards after some young and irresponsible spending during my college years, I was able to get a normal card that didn't require any special deposit or hoops to jump through and that was the Capital One® Platinum Credit Card. I really enjoy not having an annual fee and I was able to transfer another (albeit small) balance to it from another card without a fee as well. This was a big relief since the card it came from had an absurd APR% and I was able to save some money this way. It's an all around great card and I am glad to have it.
    Mar 10, 2015
    By:
    I have used a credit card that requires fair credit, and even excellent credit, to help raise my credit. It is important to build credit to show companies that you can responsibly pay off your debt (at least that is the hope) as well as improve your credit score. I know by increasing my credit, the temptation was there to spend more money, but I told myself that I had to reel it in and make sure that just because I had more credit to use, I should not necessarily do so. Higher credit is especially important though when you’re looking to purchase big ticket items. It is also great to have rewards credit cards for big ticket items because then you can earn more cash back, airfare miles, travel rewards, etc.
    Nov 27, 2014
    By:
    I have used a credit card that requires fair credit to help raise my credit. It is what helped me buy my house. A big "thank you" to Capital One for being such a great company. I couldn't have done it without you.
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