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Credit Cards for Fair Credit

Credit Cards for Fair Credit

Maybe you haven’t had a long enough credit history (i.e. more than 3 years) to build your credit past the “fair / average” level or perhaps you've made some credit missteps along the way. Whatever the case, you’re sure to find a credit card that meets your needs in the selection of fair credit credit cards from major issuers listed below. Credit cards for fair credit not only provide convenience, but can also help you further improve your credit. Convenience comes from being able to carry less cash and make purchases that require plastic (e.g. car rentals, online shopping, etc.). And, as long as you don’t miss any payments, a credit card for fair credit can help you add positive information to your credit file and soon qualify for a credit card for good credit, which will have better rewards as well as lower rates and fees. If you are not sure of your credit standing, try our free credit check before submitting an online application for one of the credit card offers for fair credit listed below.

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    Capital One® QuicksilverOne® Cash Rewards Credit Card

    capital one quicksilverone cash rewards credit card
    • 0% PURCHASES until August 2015
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 22.9% (V)
    ANNUAL FEE $39
    REWARDS Cash Back
    BONUS None
    BASE EARN 1.5%
    MAX EARN 1.5%
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • No rotating categories and no sign ups needed to earn cash rewards.
    • Redeem the cash back you earn for any amount, any time.
    • Cash back doesn't expire and there’s no limit to how much you can earn

     
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    3

    Barclaycard® Rewards MasterCard® - Average Credit

    barclaycard credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 24.99% (V)
    ANNUAL FEE None
    REWARDS Points
    BONUS None
    BASE EARN 1 point/$1
    MAX EARN 2 points/$1
    • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
    • Use the points you earn like cash to pay for almost any purchases you've made.
    • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.

     
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    3.5

    Capital One® Platinum Credit Card

    capital one standard platinum
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 24.9% (V)
    ANNUAL FEE $0 for 1st yr, $19 after
    REWARDS None
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    Capital One® Classic Platinum Credit Card

    capital one classic platinum credit card
    • 0% PURCHASES Not Offered
    • 0% TRANSFERS Not Offered
    • REGULAR RATE 20.9% (V)
    ANNUAL FEE $39
    REWARDS None
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    First Progress Platinum Select MasterCard® Secured Credit Card

    Secured Credit Card Application from First Progress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $39
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 14.99% (V)
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    3.5

    First Progress Platinum Elite MasterCard® Secured Credit Card

    Platinum Secured Credit Card from First Progress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $29
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 19.99% (V)
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    First Progress Platinum Prestige MasterCard® Secured Credit Card

    MasterCard Secured Card from FirstProgress
    • SECURED CREDIT CARD Min Deposit of $300
    • ANNUAL FEE $44
    • MONTHLY FEE None
    • ONE-TIME FEES None
    • REGULAR RATE 11.99% (V)
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    We work hard to present you with the most accurate credit card information, however, this information does not originate from us and thus, we do not guarantee the accuracy of the information.

    Before you apply for a credit card we recommend that you review and verify the credit card terms and conditions on the credit card company's web site. Please let us know if you find any differences.

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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 Editor To 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 CEO Credit 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 Editor In 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 CEO While 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 CEO Absolutely, 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

    Help others find the best credit cards for fair credit by sharing what your deciding factor was when choosing your card (customer service, interest rate, fees, convenience, rewards, etc.)

     
    October 22, 2014
    Photo of James J.
    By: James Jasso
    So I had what can be described as average credit and I always wanted to know how to raise it but never knew how. So I was looking online and found my solution and it was in the form of Capital One Platinum Credit Card. I have had this card for over 2 years now, and let me tell you its a great way to boost your average credit as long as you follow the rules and pay on time. Some of the great things about this card besides being a credit builder is, start with no annual fee for the first year; $19 after that, get access to a more
    October 1, 2014
    Photo of John R.
    By: John Reed
    I was approved for the Chase Slate card with fair credit, and was able to transfer 1,200 dollars from another card that was accruing 23% APR. I was given 12 months to pay the balance with ZERO transfer fee (introductory rate) and ZERO APR. I was able to pay it off within the 12 months and was very happy that I saved a ton of money! My credit score went up a few points when I paid it off!
    July 29, 2014
    Photo of Stephanie C.
    By: Stephanie Collings
    I was able to get the Capital One Classic card about a year ago after my credit score improved. I love this one and got rid of my other cards because the annual fee for this one is less than half the amount that I was paying per year on each of my other card.
    June 9, 2014
    Photo of Sarah O.
    By: Sarah Oppelt
    The first card that I got was the Capital One Secured card. I've had this one for a couple of years. I sort of wish that I hadn't gotten this card, because it's my oldest account so I don't want to close it, which means I have money tied up in the account now. The card I use most often is my Capital One® QuicksilverOne® Cash Rewards Credit Card. I got this for the household to charge groceries/gas/etc. We never carry a balance, but really just wanted a card that would give us the cash rewards. Although the rewards aren't super high, any little extra bit is helpful. The thing more
    May 15, 2014
    Photo of Jennifer M.
    By: Jennifer Merriman
    My second credit card was the Capital One Classic Platinum Credit Card. I have since upgraded. I was young when I got this card, and didn't have much credit. This card was really great for building credit responsibly. I would engage a couple of different methods. The first was to purchase all of one item category (like groceries) on the card. I would save the money for the bill, and pay it off in full at the end of the billing cycle. Later on, I would make small purchases and carry the balance forward for a month or two at which point I would pay off the balance.
    March 25, 2014
    Photo of Sara W.
    By: Sara Woodwind
    I don't have many credit options, so I was glad that I got this card. I did have to make a deposit, but my credit line was much larger than the deposit. My credit is gradually increasing and hopefully I can be at a "good" score soon.
    March 25, 2014
    Photo of Lori B.
    Lori Brandt
    Rebuilding my Credit came with a similar challenge since I filed bankruptcy 4 years ago. Capital One has given me this opportunity by offering a lower credit amount, but it is nice to have a few hundred dollars should an incident arise. I am not sure I will ever get more than credit card again, since one is enough for me to handle at this time.
    March 1, 2014
    Photo of Suzanne C.
    By: Suzanne Cunningham
    I have within the last year opened a Capital One Secured Card. I put a deposit of $99 (I think it was as low as $49) and was given a $500 credit line. I've had no issues with the card and when I checked my report recently it has gone up 62 points. I'm still digging out of a hole but I'm glad to have them!
    February 10, 2014
    Photo of Todd P.
    By: Todd Poole
    It's nice that you don't need to pay a yearly fee in the first year. After that though it jumps to $19, which while isn’t too expensive isn't free like some either. The 24.9% is really high though in any experiences I've had with credit cards to this point. I have found that I use this card when I can know that I'm going to be able to pay something off in full the very next month, so as not to get a high interest hit. While I don't like those 2 things about this card very much, it has also helped to raise my credit score by 25 over more
    March 4, 2014
    Photo of Camilla D.
    Camilla Devereux
    I also chose this as my first card because they didn't charge a yearly fee for the 1st year. I was just starting college and I was broke. So having to pay any fee was too much for me. And this card saved me from starvation many times, so I didn't really worry about the high interest rate. I used to just pay the minimal balance but since I started working, I always pay it in full each month. And even though my credit is much better now, I still have this card. Because they were willing to take a chance on me, even though my credit score wasn't the more
    January 30, 2014
    Photo of Roy C.
    By: Roy Chen
    When I was in college my first card was a gold Visa card issued by Bank of America. Over time it was upgraded to my current Balance Rewards card but the initial credit card was very helpful in building credit for someone with fair to Alt-A credit. It was a good card with no fees and reasonable APR. Most importantly, it came with a low credit limit, which is a good forcing mechanism to control my spending. The downside, though at the time it was not a priority, is the lack of rewards or cash back.
    January 16, 2014
    Photo of Clay H.
    By: Clay Hamilton
    When I was younger I was able to obtain a Capital One credit card... my credit at the time was okay, but definitely wasn't anything to get excited about. In my case, it helped me get my credit score to increase because I used it responsibly and was careful with it; I only bought things I could afford and I paid it off each month. But on the other side of the coin a friend of mine recently obtained a similar kind of card (I'm not sure what the brand is) and it wrecked the little bit of credit he had managed to build for himself. He maxed it out more
    February 27, 2014
    Photo of Robert S.
    Robert Salovin
    This is pretty much my exact experience. This is also the advice I would offer to anyone currently considering a line of credit. Make sure that you only buy things you were planning to buy with cash, and pay the bill off as soon as possible, almost any other strategy will do nothing or hurt your credit.
    January 8, 2014
    Photo of Nina A.
    By: Nina Araneta
    Capital One Platinum helped me reestablish my credit. When I was in the mid 20's, I run into some credit problems. I was pretty devastated because I really took care of my credit history before that. But when I lost my job, it just became harder to take care of my finances. When I regained my footing again, I applied for a Capital One Platinum card. I am very pleased with this card because it helped with my credit score going up and rebuilding my credit history pretty quickly. My credit limit went up within 9 months of continually paying my full balance on time every month. As long as more
    December 27, 2013
    Photo of Doug M.
    By: Doug Miller
    I have used the Capital One Classic Platinum Credit Card for a few years now. It does not really have an outstanding features, and the annual fee is a bit of a disappointment, but it has allowed me to help build up my credit score, which is the main reason I got the card to begin with. It requires fair credit, which is why I didn’t understand the annual fee, since that is something is normally reserved for rewards credit cards or those cards that are normally given to those with less than fair credit scores. The interest is a bit higher than where it should be, but as long more
    December 18, 2013
    Photo of Rafael M.
    By: Rafael Maldonado
    My first credit card that I’ve ever had actually required a fair credit score. It was difficult for me to obtain because I had not yet established a credit history. I was accepted into the card program and after making all my payments on time, my limit went up and my credit score increased drastically. Applying for a card that required a fair credit score was the best way to go and if I had the choice, I would do it all over again.
    February 19, 2014
    Photo of Will B.
    Will Button
    I was in a similar situation as you. I had problems trying to get a credit card, but once I was accepted into a program, they increased my spending limit and my score went up. I find that having a bit of faith in these companies helps. They told me that if I made my minimum payments and stuck with it, my credit could definitely improve, and they were absolutely right.
    December 13, 2013
    Photo of Amy F.
    By: Amy Fisher
    A few years ago I made a couple of mistakes and my credit went from being great to just so-so. I built it back up a little over time and was considered as having fair credit. I still couldn't get approved for a credit card though. A friend of mine told me to look into the Capital One Platinum Credit Card. I decided to give it a try and apply after looking into it a bit. I was shocked when they approved me. I don't use it much, but when I do, I pay off the whole balance. It's worked out great for giving my credit a little boost.
    November 19, 2013
    Photo of Lindsay W.
    By: Lindsay Whitehead King
    The first credit card I received, when trying to build my credit, was the Capital One Platinum Mastercard. I selected it, because it gave me the best interest rate (17%) at the best limit ($750.00). I was looking for a card that offered relatively reasonable features, even though my credit history at the time was very new (some credit companies really seem to want to take advantage of that specific group of customers). They also don't have any hidden fees like a lot of other fair credit companies. Everything is very straight forward.
    November 6, 2013
    Photo of Billy M.
    By: Billy Maney
    I chose the Capital One Platinum Credit Card as my very first credit card.I had been looking for ways to improve my credit score and this card claims to report to all 3 credit bureaus and only charges $19 for an annual fee which is very reasonable.I would strongly recommend this card to anyone looking to establish a good credit history.
    October 29, 2013
    Photo of Elizabeth M.
    By: Elizabeth Madore
    Capital one's Platinum card was my first card and it has been awesome. I chose this card because my credit was unestablished at the time, and it's for those with average or fair credit. Capital One gave me a chance to build my credit, so I am very thankful. Their customer service is also top notch, and they've always been friendly and quick to resolve any problems or issues I've had. I highly recommend this card.
    October 29, 2013
    Photo of Chris N.
    By: Chris No
    Anyone with fair credit I would recommend the First Progress Platinum Select Secured Credit Card although you have to make your first deposit of $300 it is a great card for fair credit. It does have an annual fee of $39 which isn't as high as some cards I've seen. The regular interest rate is around 14.99% which is decent for fair credit clients trying to build their credit up. Overall I think it's a good card for fair credit users and would recommend it to everyone I know that uses credit cards.
    October 25, 2013
    Photo of Billy M.
    By: Billy Maney
    I have the Capital One Platinum Credit Card.I love this card because the annual fee is only 19 bucks and you don't even have a fee the first year.You start out with a $300 credit limit and they will automatically give you an increase after 6 months assuming that you are responsible.Personally,this is my favorite of all the credit cards i have.
    October 18, 2013
    Photo of Yongha G.
    By: Yongha Gu
    Once my credit stabilized after university I spent a lot of time on FatWallet and such trying to find the appropriate card. I eventually chose the GM Card by Capital One. Having already owned a GM vehicle, choosing this card was a no-brainer. After switching everything that I normally spent on a student card to my GM card I was able to bring in nearly $1,000 a year in bonuses that could be applied directly to my vehicle. No more worries about upkeep or maintenance!
    October 17, 2013
    Photo of Ashley F.
    By: Ashley Fraiser
    My first credit card I got was Capital One's Platinum Credit Card. I'd gotten an offer in the mail from them as well as a couple of other different credit card companies when I had just graduated high school and was trying to build my credit. My reasoning for going with them was because I did not have any credit and they had the best offer at the time. Their interest rate is low and monthly minimum amount due is low as well. When I applied I was approved instantly which was a surprise since I did not have any credit whatsoever at the time.
    September 26, 2013
    Photo of Cammy L.
    By: Cammy Lynn
    When I first started building my credit I made a few mistakes and ended up with bad credit. Since then, I've managed to build it back up to fair but was still having trouble getting approved for a credit card. Then one day I got a pre-approved offer in the mail for a Capital One Platinum Credit Card. Figured it couldn't hurt to give it a try and surprisingly, I was approved! My interest rate isn't the best so I only use this card in emergencies and so far, it's worked out pretty well.
    August 26, 2013
    Photo of Marina M.
    By: Marina Moore
    When first starting to build my credit, I chose the Capital One Classic Platinum Credit Card. I am not fond of the annual charge but I knew I could establish my credit with them. I would buy a few items, and pay it off within 2-4 months. I did this for about 2 years. After my credit score started increasing, I cancelled my account. I would recommend this card for anyone trying to build their credit.
    August 21, 2013
    Photo of Alvin N.
    By: Alvin Nguyen
    I only have fair credit as I have not yet had time to build up my credit score. I then decided that it was time to build up my credit score and chose the.Capital One QuicksilverOneSM Cash Rewards Credit Card. The deciding factor for choosing this card was the rewards program that allowed me to earn cash back on all my purchases.
    August 14, 2013
    Photo of Bob B.
    By: Bob Bob
    Deciding on what credit card I wanted was somewhat hard. I chose the Capital One Platinum Card because I've always heard great things about them. Their interest fees are kind of low, and they have great cash reward offers. I'm always able to pay the monthly bill because it's pretty small. Paying off this credit card every month is helping with my credit and I love it! The customer service has been great, they've helped me with everything I've had problems with, which isn't much. All in all, Capital One is a great card choice if you're looking.
    August 14, 2013
    Photo of Pat E.
    By: Pat Esswayne
    For my first credit card I went with an Amazon rewards Visa credit card for a few simple reasons. First, I had little to no credit history, which they normally require. Luckily they offered the card in conjunction with my bank, and also I had an Amazon account that I've been using regularly for years. Both of these factors helped them gain trust in lending to me. My bank also helps me by adding the card to my account page, for easy payments. This helps a great deal, though I didn't know this before I signed up. Secondly, while the APR and all the trimmings are pretty average, the rewards more
    August 14, 2013
    Photo of Calvero D.
    By: Calvero Danger
    When looking for a credit card that would suit me best, I knew I had to shop around with those cards that were offered to people with fair credit. After much debate I went with the First Progress Platinum Secured Credit Card and could not be more happy. My deciding factor to get this card was based on the fact that it has very few fee's associated with the card other than a years $39.
    July 8, 2013
    Photo of Chantel L.
    By: Chantel Lynn
    I chose the Walmart credit card because it was easy to apply for and I had no problem getting accepted. I have a very short credit history and this card has worked very well for me. I have a low credit limit (which I prefer) and the monthly payments are small. In addition to walmart, the card can be used pretty much anywhere else a mastercard can be used. I also like that along with my statement each month, I have the option to check my credit score for free and it has actually improved over the past year! :)
    March 22, 2014
    Photo of Casi D.
    Casi Danielle
    I also use the Walmart credit card because it's convenient and I'm a frequent shopper,so I haven't had any problems with it. I can cash anything I need to and it is perfect for taking my money off of.
    July 1, 2013
    Photo of Ashley B.
    By: Ashley Ballard
    I chose the Capital One Classic Platinum Credit Card for several reasons. I never had a credit card before so I decided to apply for this card a few years ago, thinking it would be a good way to get my credit established. I was right. I made several purchases within the first few months and always paid it off. Because of that, they upped my limit and as time went on my credit score has gotten even better.
    There is an annual fee of $39, but it is a lot cheaper than many other credit cards. Plus, Capital One offers a security program in which you can have an more
    June 24, 2013
    Photo of Micah A.
    By: Micah Allen
    I had pretty bad credit due to maxed cards when I was a teenager, but the Capital One Platinum Card was my first credit card I got out of college. It seems to have a very lenient approval, despite being a fair credit credit card, and the starting credit limit was decent - 500 dollars. They also kicked up my limit to 750 after a few months. Later on I applied for a few other cards from CO (The cashback card and Best Buy card) and was approved for both, also with decent credit limits. I definitely recommend trying for the Platinum Card due to its simplicity and good credit more
    June 17, 2013
    Photo of Christopher W.
    By: Christopher Wong
    When I was looking into getting a credit card to finally start building my credit, I looked at several different options. However, what I ended up getting was the Capital One Cash Rewards Credit Card. I liked the fact that I was getting cash back on my purchases, and the convenience of having a credit card appealed to me. I have been using it ever since then.
    June 10, 2013
    Photo of Britni I.
    By: Britni Iron
    My first credit card was the capital one platinum card. After doing some research online I came across their website and decided to apply. With absolutely NO credit, I was approved. I did good for years and at some point I hit financial hardship. They were the easiest company to work with and helped me along the way to keep my account. Their APR is reasonable and their customer service is great. Going on 6 years with this card, and it is the only credit card I still use!
    June 3, 2013
    Photo of Lucas S.
    By: Lucas Sansone
    I have the Capital One classic platinum credit card. It is a really good card for people with new credit. I applied for many different credit cards, and I was denied for everyone of them except Capital One. Capital One takes chances on new people. My credit limit started off low, but I was okay with that because this card helped me build my credit. They also have very good customer service. I recommend giving them a chance if you have fair credit. They are one of the only companies that would offer me a card without having to put a security deposit on it.
    May 24, 2013
    Photo of Vallie S.
    By: Vallie Sturk
    The capital one platinum card was my first credit card I got out of college. My cousin recommended them to me. After comparing them to others I chose it because of their online services, I do all my bill payments online so that was important to me, as I don't have time to be mailing checks. It has served me well and they even increased my limit after 6 months.
    May 7, 2013
    Photo of Chantel L.
    By: Chantel Lynn
    The very first and only credit card I have is a Walmart Mastercard. I was able to get this credit card even though my credit is only fair. I prefer this card because it can be used at Wal-mart (where I make the majority of my purchases) but also at other retailers. It is a mastercard and can be used anywhere. I also like this card because it has a small credit limit which allows me to not go over my budget without intending to do so. I don't want to end up with a bunch of debt and even with this card maxed out it's a maximum of 1000 more
    April 29, 2013
    Photo of Dorthea C.
    By: Dorthea Cabbell
    I have a Capital One Cash Rewards credit card for people with fair credit, and I chose this credit card since it has a good rewards program that allows me to earn one percent cash back on all purchases, and after I have had the card for a year, I earn fifty percent cash back on all the cash that I have accrued through the rewards program. I like the one percent cash back, and it allows me to transfer the money into a savings account which can add up over time.
    April 15, 2013
    Photo of Tiffany S.
    By: Tiffany Schintzius
    I chose my credit card based on past history with the company and good customer service. Capital One was the first company I used after turning 18 and I wound up being bad and forgetting to pay. Capital One worked with me and let me pay off what I owed. After a few years with no credit cards and learning to manage my money without, I was willing to work with them again since they had been so helpful in the past. They offered a card for fair credit, which I needed as my credit needed some rebuilding. That was my main deciding factor, that they had good customer service more
    April 1, 2013
    Photo of Lauralee G.
    By: Lauralee G. Geitgey
    I have been very happy with the Capital One Cash Credit Card. I have decent credit and wanted a card that provided some benefits while I am constantly trying to improve my overall credit rating. What I like most is you get 1% cash back on all purchases, 50% bonus on the cash back you earn every year and there is no annual fee. I highly recommend this card, you can’t go wrong.
    April 1, 2013
    Photo of David K.
    By: David Kauffman
    The very first card I had was the Capital One Cash Rewards for Newcomers card. What made me decide on Capital One was that I had no credit, but they still gave me a credit card with no annual fee, rewards, and a small monthly limit. Over time, they would eventually increase my limit to 15K, and upgraded me from my beginners card to their Venture card which gave ma an additional.25% back in rewards. Overall I was just treated fairly, everybody has to start somewhere, and when I proved to them I paid my bills in time and didn't max out my credit they give me more spending power.
    March 25, 2013
    Photo of Violeta W.
    By: Violeta Wehrwein
    I picked the Capital One Cash Rewards for Newcomers Credit Card because it was the best option I had for my credit. I just wanted a good card that had a cash back feature for someone with just OK credit. One plus is that the card helps you build credit, automatically reporting to major credit bureaus. You get 2% cash back on travel purchases and 1% cash back on all other purchases. The best part is the cash back doesn’t expire so you can redeem your cash back anytime. This is definitely the card to go with while actively building your credit with additional incentives to keep things interesting.
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