The best travel credit cards for fair credit

Author Image
Written by
Bill Gilman
Terms apply; see the online credit card application for full terms and conditions of offers and rewards.

At CardRatings.com we discuss the most up-to-date news and trends within the credit card space. Since we first pioneered the concept of online credit card reviews in 1998, our team of financial experts has provided comprehensive and unbiased credit card reviews for more than 175 cards, plus hundreds of additional resource articles to help educate everyday cardholders so they can feel more confident about their card choices. All our content is written and reviewed by industry experts. Though our content may occasionally contain references to products from our partners, we maintain strict editorial integrity and advertiser relationships and compensation never influences ratings, reviews or featured products. The difference between editorial content and advertising must always be clearly stated. Learn more.

If you’ve got a vacation or business trip planned, you will want to make sure you have a credit card in your wallet you can count on for value, convenience and, if need be, customer service while you’re away from home.

A FICO credit score in the “fair” range (580-669), might make you think your options are limited when it comes to finding a credit card to help you along during your travels. However, even with average/fair credit, the right card can mean rewards, protections and more. Best of all, with responsible use, that credit card for fair credit can help you build your score and soon qualify for better cards geared toward applicants with good or excellent scores.

How do you choose a travel credit card for fair credit?

When it comes to a good travel credit card for travel, but also available to those with fair credit, one of the first factors to consider is fees. You don’t want your travel budget drained by your credit card, so look for cards with low or even $0 annual fees available for those with fair credit.

Then, importantly, check out the foreign transaction fees. If you plan to travel overseas, you want a card that doesn’t charge these fees, as they usually range from 3%-5% of each transaction and can add up quickly on a vacation or business trip. By the way, none of the cards on the list below charge foreign transaction fees.

Certainly take a look at the APR, but also know that the interest rate only affects you if you don’t pay off your balance in full each cycle, which you really need to be doing anyway.

Another feature than can be invaluable on a trip is a credit card’s customer service desk. When far from home, you want to be able to talk to a live person at your credit card company 24/7 to help deal with any problems that might arise. Some companies can even help with information on restaurants, hotels and attractions in the area you’re visiting.

Remember, when you’re building your credit, travel rewards may not be available to you, but there are plenty of cash-back rewards cards for fair credit. Many of those will also check the boxes mentioned above: low fees, no foreign transaction fees, the chance to build your credit with responsible use and even excellent customer service. Take a look at the CardRatings picks for best travel credit cards for fair credit.

card_name

discontinued_disclaimer
card_name
 
Rewards
points_per_dollar
Annual Fee
annual_fees
Regular APR
reg_apr,reg_apr_type
Credit Needed
credit_score_needed

card_name

discontinued_disclaimer
card_name
 
Welcome Offer
bonus_miles_full
Rewards
points_per_dollar
Annual Fee
annual_fees
Credit Needed
credit_score_needed

card_name

discontinued_disclaimer
card_name
 
Welcome Offer
bonus_miles_full
Regular APR
reg_apr,reg_apr_type
Annual Fee
annual_fees
Credit Needed
credit_score_needed

To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

card_name

discontinued_disclaimer
Welcome Offer
bonus_miles_full
Rewards
points_per_dollar
Annual Fee
annual_fees
Credit Needed
credit_score_needed

Featured Partner Cards:

Disclaimer:

The information in this article is believed to be accurate as of the date it was written. Please keep in mind that credit card offers change frequently. Therefore, we cannot guarantee the accuracy of the information in this article. Reasonable efforts are made to maintain accurate information. See the online credit card application for full terms and conditions on offers and rewards. Please verify all terms and conditions of any credit card prior to applying.

This content is not provided by any company mentioned in this article. Any opinions, analyses, reviews or recommendations expressed here are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by any such company. CardRatings.com does not review every company or every offer available on the market.