Fair Credit Cards from our Partners

By updated on November 27, 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 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® Credit Scores as a benefit to active cardmembers. 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
  • For every month you pay on time, you receive a 25% bonus—that’s a total of 1.25% cash back
  • There’s no limit to the amount of cash back you can earn, and rewards don’t expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual fee or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly payment due date that works best for you
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

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Apply Now Credit Needed: Fair
X

Purchase Intro

APR: N/A

Purchase APR

19.80% Variable

Annual Fee

$0

Credit One Bank® Platinum Card

Editor's Rating

  • Get Pre-Qualified for a Platinum Visa credit card
  • Choose your card design from our premium gallery
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Email or text alerts to remind you when your payment is due
  • Zero fraud liability protects you from unauthorized charges
  • Earn unlimited 1% cash back on gas purchases with this card

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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® Spark℠ Classic for Business

Editor's Rating

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Separate business expenses from personal expenses
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no additional cost, and experienced small business customer service

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Apply Now Credit Needed: Fair
X

Purchase Intro

APR: N/A

Purchase APR

22.90% 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 for online shopping and department store purchases on up to $1,500 – Oct. through Dec. 2014 when you sign up for 5%*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.*
  • 100% U.S.- based customer service—anytime, day and night
  • 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.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”

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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

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
  • Cash back doesn’t expire and there’s no limit to how much you can earn
  • 0% intro APR on purchases until September 2015; 22.9% 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
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker

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Apply Now Credit Needed: Fair
X

Purchase Intro

APR: 0%

Period: until September 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
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."

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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 cash back after you make your first purchase within 3 months of approval.*
  • 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 for online shopping and department store purchases on up to $1,500 – Oct. through Dec. 2014 when you sign up for 5%*. 1% cash back on all other purchases.
  • Free FICO® Credit Score online and on monthly statements.*
  • 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
  • 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.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”

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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

Discover it® chrome for Students with $20 Cashback Bonus

Editor's Rating

  • 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.
  • 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 your monthly statements 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
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”

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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

NFL Extra Points Credit Card

Editor's Rating

  • 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
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
  • Redeem points for VIP NFL experiences, game tickets or 1% cash back statement credits beginning at 2,500 points for a $25 statement credit
  • All 32 team cards are available, customized with your favorite team's colors and logo
  • 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that a variable APR, currently 14.99%, 19.99% or 24.99%, based on your creditworthiness

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Apply Now Credit Needed: Fair
X

Purchase Intro

APR: N/A

Purchase APR

14.99%, 19.99% or 24.99%* Variable

Annual Fee

$0