dcsimg

Credit card offers for fair credit from our partners

By Curtis Arnold Editor-in-chief, updated on March 3, 2015

A fair credit score can feel pretty unfair when you're applying for credit, but you can still find credit card offers for fair credit with a little research.  Just be sure to compare rates and fees, so you know you are getting the best credit card available to you.

Compare your card and see how it stacks up
Search

  

Capital One<sup>®</sup> QuicksilverOne<sup>®</sup> Cash Rewards Credit Card
About Our Ratings

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • 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
See More
Purchase Intro APR: 0% intro on purchases
Period: until November 2015
Purchase APR 22.9% (Variable) 
Annual Fee $39
APPLY NOW Credit Needed Average / Fair / Limited
Barclaycard<sup>®</sup> Rewards MasterCard<sup>®</sup>
About Our Ratings

Barclaycard® Rewards MasterCard®

  • No annual fee
  • 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.
See More
Purchase Intro APR: N/A
Purchase APR 24.99%* Variable
Annual Fee $0
APPLY NOW Credit Needed Average/Fair
Journey<sup>SM</sup> Student Rewards from Capital One<sup>®</sup>
About Our Ratings

JourneySM Student Rewards from Capital One®

  • Earn 1% cash back on every purchase
  • For every month you pay on time, you receive a 25% bonus-that's a total of 1.25% cash back
See More
Purchase Intro APR: N/A
Purchase APR 19.8% (Variable) 
Annual Fee $0
APPLY NOW Credit Needed Average / Fair / Limited
Credit One Bank<sup>®</sup> Credit Card with Gas Rewards
About Our Ratings

Credit One Bank® Credit Card with Gas Rewards

  • Unlimited 1% cash back gas rewards
  • No limit to the gas rewards you can earn
  • Get Pre-Qualified without affecting your credit score
See More
Purchase Intro APR: N/A*
Period: N/A*
Purchase APR 17.90% - 23.90% Variable*
Annual Fee $35-$99
APPLY NOW Credit Needed Average/Fair
NFL Extra Points Credit Card
About Our Ratings

NFL Extra Points Credit Card

  • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for a $100 cash back statement credit
  • 0% promotional APR for 6 months on ALL ticket purchases from a team ticket office. After that, a variable APR currently 14.99%, 19.99% or 24.99%, based on your credit worthiness
  • Earn 2 points per $1 on NFL or team purchases - game tickets, in-stadium and at team Pro Shops - and 1 point per $1 on all other purchases
See More
Purchase Intro APR: N/A
Purchase APR 14.99%, 19.99% or 24.99%* Variable
Annual Fee $0
APPLY NOW Credit Needed Average/Fair
Discover it<sup>®</sup> chrome for Students with $20 Cashback Bonus
About Our Ratings

Discover it® chrome for Students with $20 Cashback Bonus

  • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed.* 1% cash back on all other purchases.
  • Redeem your cashback for any amount, any time*. Your cash back never expires.
See More
Purchase Intro APR: N/A
Purchase APR 12.99% - 21.99% Variable*
Annual Fee $0
APPLY NOW Credit Needed Average/Fair
Discover it<sup>®</sup> chrome for Students
About Our Ratings

Discover it® chrome for Students

  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter--no sign-ups needed*. 1% cash back on all your other purchases.
  • 0% intro APR on purchases for 6 months--then a variable purchase APR applies, currently 12.99% - 21.99%.
See More
Purchase Intro APR: 0% Intro APR on purchases
Period: 6 months
Purchase APR 12.99% - 21.99% Variable*
Annual Fee $0
APPLY NOW Credit Needed Average/Fair
Credit Card Database

More about Credit card offers for fair credit

  • Cards for those with fair credit?
  • Making sure credit ratings is fair
  • What to expect?
  • How can I make it better?

Consumers with fair credit or those working to improve their credit report are still eligible to receive a number of credit cards, many of which are designed to assist those with lower credit rating scores. Rates and offers will differ depending on your credit score, so it pays to do your homework and compare what options are out there for you.

Credit bureau reports define a fair credit rating as one between 675-700. While each credit card company has its own criteria, to get an idea of your credit score, visit one of the 3 credit reporting agencies or numerous services to get a copy of your annual credit report. Remember, knowledge is power!

Credit cards for people with fair credit often offer cash back rewards, fraud protection and other bonuses just like prime credit cards. With a lower credit rating, most credit cards come with a higher interest rate and oftentimes an annual fee.  It is important to shop around for the card with the lowest fees and interest rate since they can vary considerably. 

Unfortunately, if you have fair credit, you won't get credit card offers as good as someone with higher scores, but that doesn't mean you don't have some bargaining options. While you work to improve your credit, you can take charge of your current card by following a few steps, including negotiating your annual fee. It's your credit future, so get involved and stay informed, and you'll be on your way to a higher credit score.