Fair Credit Cards from our Partners

By updated on August 29, 2014

Credit cards for those with fair credit.  A fair credit score can feel pretty unfair when you're searching for a credit card, but there are credit cards available for those who have a less than stellar average credit rating. With a little research and a thorough understanding of your credit report, you will be able to choose from credit cards that offer such things as travel rewards, cash back rewards and balance transfer offers.  Just be sure to compare rates and fees, so you know you are getting the best credit card available for fair credit.

Are there credit cards for those with fair credit?

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.

How can I be sure my credit rating is fair?

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!

What can I expect in a credit card?

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. 

Is there anything I can do to make a fair credit card better for me?

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.

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Barclaycard® Rewards MasterCard® - Average Credit

Editor's Rating

  • 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.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active card members. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.

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Apply Now Credit Needed: Fair
X

Purchase Intro

APR: N/A

Purchase APR

24.99%* Variable

Annual Fee

$0

Journey℠ Student Rewards from Capital One®

Editor's Rating

  • Earn 1% cash back on every purchase, every month--and pay no annual fee
  • For every month you pay on time, you receive a 25% bonus--that's a total of 1.25% cash back
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Brighten your financial future with responsible credit use--and get rewarded along the way
  • Fraud coverage if your card is lost or stolen
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Pick the monthly payment due date that works best for you

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Apply Now Credit Needed: Fair
X

Purchase Intro

APR: N/A

Purchase APR

19.80% Variable

Annual Fee

$0

Discover it® for Students

Editor's Rating

  • 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.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.*
  • Talk to a real person any time with 100% U.S.-based service. Looks out for you-since each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.*
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.

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Apply Now Credit Needed: Fair
X

Purchase Intro

APR: 0%

Period: 6 Months

Purchase APR

12.99% - 21.99% Variable*

Annual Fee

$0

Discover it® for Students with $20 Cashback Bonus

Editor's Rating

  • Experience our cash rewards with $20 Cashback Bonus® after you make your first purchase within 3 months of approval.*
  • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.*
  • 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.*
  • Free FICO® Credit Score online and on monthly statements.*
  • Talk to a real person any time with 100% U.S.-based service.
  • Looks out for you-since each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized Discover card purchases.*
  • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.

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Apply Now Credit Needed: Fair
X

Purchase Intro

APR: N/A

Purchase APR

12.99% - 21.99% Variable*

Annual Fee

$0

Credit One Bank® Platinum Card

Editor's Rating

  • Get Pre-Qualified for a Platinum Visa credit card
  • Get an opportunity for a credit line increase automatically after you make your first six monthly payments on time
  • Earn unlimited 1% on gas purchases with this card
  • Email or text alerts to remind you when your payment is due
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Pick your payment due date to fit your schedule
  • Zero fraud liability protects you from unauthorized charges

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Apply Now Credit Needed: Fair
X

Purchase Intro

APR: N/A*

Period: N/A*

Purchase APR

17.90% - 23.90% Variable

Annual Fee

$35 - $99

Capital One® QuicksilverOne® Cash Rewards Credit Card

Editor's Rating

  • 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
  • No limit to the cash back you can earn
  • Your cash back doesn't expire
  • 0% intro APR on purchases until May 2015
  • 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

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Apply Now Credit Needed: Fair
X

Purchase Intro

APR: 0%

Period: until May 2015

Purchase APR

22.90% Variable

Annual Fee

$39

Discover it® chrome for Students

Editor's Rating

  • 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%.
  • APR won't go up if you pay late.*
  • Free FICO® Credit Score online and on your monthly statement so you can track your score's progress*.
  • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
  • 100% U.S. based customer service—anytime, day and night.
  • *Click "Apply Now" to see rates, rewards, free FICO® Credit Score terms and other information.

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Apply Now Credit Needed: Fair
X

Purchase Intro

APR: 0%

Period: 6 months

Purchase APR

12.99% - 21.99% Variable*

Annual Fee

$0