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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 2,850 reviews

    Capital One® QuicksilverOne® Cash Rewards Credit Card


    quicksilverone rewards
    • Purchase Intro APR 0% for 9 months
    • Transfer Intro APR 0% for 9 months 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
    • Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017
    • 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 for 9 months; 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
    • Fraud Coverage - You're covered by $0 Fraud Liability 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
    • See More Details & Reviews About The Capital One® QuicksilverOne® Cash Rewards Credit Card
    3 1,447 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 points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
    • Points don't expire as long as account is open, active and in good standing
    • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
    • No limit on the number of points you can earn or redeem
    • Additional Info
    • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
    • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • No annual fee
    • See More Details & Reviews About The Barclaycard Rewards MasterCard®
    3.5 2,076 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
    3 756 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 1,586 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
    3.5 900 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
    3 633 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 1,194 reviews

    Milestone® MasterCard® - Bad Credit Considered


    milestone credit card
    • One-Time Fees None
    • Regular Rate 23.9% (V)
    • Annual Fee $35-$99*
    • Monthly Fee None
    • Minimum Credit Bad
    3.5 346 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
    3.5 223 reviews

    USAA Classic American Express®


    usaa classic american express
    • Purchase Intro APR Not Offered
    • Transfer Intro APR Not Offered
    • Regular APR 18.15% - 24.15% (V)
    • Annual Fee $35
    • Rewards Rate None
    • Minimum Credit Limited History
    • Rewards Details
    • Additional Info
    • Best for members with average credit
    • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months
    • We'll periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history
    • Use your card to make purchases worldwide. (Cash advances and balance transfers are not available.)
    • 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: Identity theft resolutions services provides assistance should you become the victim of identity theft. Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.You are not liable for unauthorized purchases.3Get 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: Deployment/PCS rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR, currently between 18.15% 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.
    • See More Details & Reviews About The USAA Classic American Express®
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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
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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.

     
    Jul 8, 2016
    By:
    How is it I can buy a $25,000 Z71 on credit but can't get a little 2 or 3 hundred dollar unsecured credit card?