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    Fair Credit

    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.

Discover® Student Card

Discover® Student Card
Card Details
  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about Discover® Student Card
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
9 months 13.99% - 20.99% Variable N/A N/A Fair

Discover® Student Cards Monogram Collection

Discover® Student Cards Monogram Collection
Card Details
  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about Discover® Student Cards Monogram Collection
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
0% 9 months 13.99% - 20.99% Variable N/A N/A Fair

Discover® Student Open Road

Discover® Student Open Road
Card Details
  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • Double Cashback Bonus* at gas stations and restaurants.
  • Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about Discover® Student Open Road
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
9 months 13.99% - 20.99% Variable N/A N/A Fair

Discover® Mix Tape Student Card

Discover® Mix Tape Student Card
Card Details
  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% - 20.99%*
  • 5% Cashback Bonus®* in categories that change like gas, restaurants, department stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through ShopDiscover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information


Note!  Do you know your credit score? Click here for free credit score offers.

Editor's Rating

5 out of 5

Learn more about Discover® Mix Tape Student Card
Intro APR Intro APR Period Regular APR Balance Transfer Transfer Fee Credit Needed
9 months 13.99% - 20.99% Variable N/A N/A Fair

Capital One® Classic Platinum Credit Card

Here is a card which can be as unique as you when you upload a favorite image to create your own card design. It's fast, easy and free. This card offers a lengthy introductory 0% APR. The cardholder must have average credit. There is no balance transfer fee. 24-hour emergency roadside assistance plus 24-hour travel and emergency service. This card has a decent APR for people with average credit. Downside: There is a $39 annual fee.

Editor's Rating

4 out of 5

Learn more about Capital One® Classic Platinum Credit Card
Who uses this card?
This card is best for consumers with average credit looking for a Plain Jane card to use to further build credit that don't mind paying an annual fee.

Capital One® No Hassle CashSM Rewards - Average

Here is a card for folks with average credit. This card offers more cash back on your purchases of gas and groceries with a 2% cash back while offering 1% cash back on all other purchases. There is no limit on rewards and no expiration. There is an extensive introductory 0% APR on purchases then variable APR thereafter. There is no balance transfer fee but the balance transfer APR is on the high side. Downside: There is a $39 annual fee.

Editor's Rating

4 out of 5

Learn more about Capital One® No Hassle CashSM Rewards - Average
Who uses this card?
This card is best for consumers that have average credit, pay in full, tend to spend more on gas and groceries, and don't mind paying an annual fee for a cash back rewards.

Capital One® Platinum Credit Card

There are no balance transfer fees. This card is for folks with average credit. Use Image Card to upload one of your favorite pictures or choose from one of Capital One for your own unique card. There is a 24-hour travel and emergency assistance if your credit card is lost or stolen, as well as 24 hour roadside assistance if your car breaks down or you get locked out. There is also auto rental insurance. Downside: purchase APR is high. Balance transfer APR is the same as purchase APR with no introductory rate.

Editor's Rating

3 out of 5

Learn more about Capital One® Platinum Credit Card
Who uses this card?
This card is best for consumers with average credit looking for a Plain Jane card to use to further build credit that never carry a balance.

Journey (SM) Student Rewards from Capital One®

Editor's Review not available.

Editor's Rating

3 out of 5

Learn more about Journey (SM) Student Rewards from Capital One®
Who uses this card?
A card designed to help students build good credit.
We scour. You save
Every day, we search the web to find the very
best deals and money-saving tips. Then we
send them right to you.
Thank you!
You are signed up to receive the latest deals, offers and tips!
Credit Card Database

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? >>

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? >>

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? >>

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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