Credit Cards for Fair Credit

Don't fret if your credit score is less than perfect -- there are still plenty of great cards for you. Credit cards for fair credit are designed with your needs in mind. Some offer cash back and generous introductory APRs. Others offer no annual fee or no annual fee for the first year. The regular APR is typically higher on these cards, but the perks can still be generous. Compare credit-card offers for fair credit and apply for one that's best for your situation.

  • Capital One® QuicksilverOne® Cash Rewards Credit Card
    or call
    866-781-9766
    • 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
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    until May 2015
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    22.9%(Variable)
    $39
    Fair Credit
  • Capital One® Platinum Credit Card
    or call
    866-781-9766
    • Start with no annual fee for the first year; $19 after that
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is lost or stolen
    • Use online banking to access your account—even from your smartphone with our mobile app
    • Pick the monthly payment due date that works best for you
    • Pay however you want—by check, online, or at a local branch, all with no fee
    • Get access to your account 24 hours a day, 7 days a week
    • Start building for the future with features that can help you get there
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    24.9%(Variable)
    $0 intro for first year; $19 after that
    Fair Credit
  • Capital One® Classic Platinum Credit Card
    or call
    866-781-9766
    • Get the credit you need with a competitive rate
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is lost or stolen
    • Use online banking to access your account—even from your smartphone with our mobile app
    • Pick the monthly payment due date that works best for you
    • Pay however you want—by check, online, or at a local branch, all with no fee
    • Get access to your account 24 hours a day, 7 days a week
    • Start building for the future with features that can help you get there
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    20.9%(Variable)
    $39
    Fair Credit
  • Barclaycard® Rewards MasterCard® - Average Credit
    • 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 cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    24.99%*(Variable)
    $0
    Average Credit
  • Credit One Bank® Visa® Platinum
    • Keep an eye on your credit information with free online monthly credit score tracking
    • Pre-Qualifying for our card is easy, fast and won't affect your credit score!
    • Email or text alerts to remind you when your payment is due
    • Get a credit line increase automatically after you make your first six monthly payments on time
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    17.90%-23.90%(Variable)
    $35-$99
    Fair Credit
  • Capital One® Card Finder Tool
    • Find card offers you may be eligible for without affecting your credit score
    • Get matched to features you want like low intro rates, cash back or miles, and more
    • See your card matches in less than 60 seconds
    • Find a card for where you are—to help you prepare for what's ahead
    • All Capital One cards come with fraud coverage if your card is lost or stolen
    • 24/7 account access including mobile app for fast and easy account management—right from your smartphone
    • Pick the monthly payment due date that works best for you
    • Pay the way you want—by check, online, or at a local branch
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    See Terms
    Intro APR
    See Terms
    Intro APR Period
    See Terms
    Intro APR
    See Terms
    Intro APR Period
    Various Rates
    See Terms
    N/A
  • JourneySM Student Rewards from Capital One®
    • 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
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    19.8%(Variable)
    $0
    Average*
  • Credit One Bank® Gas Rewards Credit Card
    • 1% back on all gas purchases
    • No limit to the gas rewards you can earn
    • Rewards post to your account automatically each month
    • Get pre-qualified without affecting your credit score
    • Make your first six payments on time and get a credit line increase
    • Keep an eye on your credit information with free online monthly credit score tracking
    • Choose your card design from our premium gallery
    • Email or text alerts to remind you when your payment is due
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    17.90%-23.90%(Variable)
    $35-$99
    Fair Credit
  • Discover it® for Students with $20 Cashback Bonus
    • 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.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    See Terms
    Intro APR
    See Terms
    Intro APR Period
    12.99%-21.99%(Variable)*
    $0
    Fair Credit
  • 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%.
    • 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" to see rates, rewards and other information.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    6 months
    Intro APR Period
    See Terms
    Intro APR
    See Terms
    Intro APR Period
    12.99% - 21.99%(Variable)*
    $0
    Fair Credit
  • Playstation® Card from Capital One®
    • Earn 5,000 bonus points after your first purchase in the first 90 days
    • 10 points per $1 spent on all Playstation® Store purchases
    • 3 points per $1 spent on Playstation® and Sony purchases at Sony Store and store.sony.com
    • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
    • 1 point per $1 spent on all other purchases
    • Redeem for Sony products, movies, music & more
    • 0% intro APR on purchases until June 2015, after that a variable 13.9% - 24.9% applies
    • No annual fee
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    until June 2015
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    13.9% - 24.9%(Variable)
    $0
    Good Credit
  • Discover it® 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.*
    • 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.*
    • 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.
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    6 months
    Intro APR Period
    See Terms
    Intro APR
    See Terms
    Intro APR Period
    12.99%-21.99%(Variable)*
    $0
    Fair Credit
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* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

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Credit Cards for Fair Credit

Bankrate.com makes finding, comparing, and applying for a credit card an easy process!

Don't fret if your credit score is less than perfect -- there are still plenty of great cards for you. Credit cards for fair credit are designed with your needs in mind. Some offer cash back and generous introductory APRs. Others offer no annual fee or no annual fee for the first year. The regular APR is typically higher on these cards, but the perks can still be generous. Compare credit-card offers for fair credit and apply for one that's best for your situation.

For more detailed information or to apply online, simply click the "Apply Now" button.

  • logo
    Capital One® QuicksilverOne® Cash Rewards Credit Card
     
    (Tap to show details)
  • Card Info
    • 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
  • Purchases
  • 0%
    Intro APR
    until May 2015
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 22.9%
    (Variable)
  • Annual Fee
    Credit Needed
  • $39
    Fair Credit
  • logo
    Capital One® Platinum Credit Card
     
    (Tap to show details)
  • Card Info
    • Start with no annual fee for the first year; $19 after that
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is lost or stolen
    • Use online banking to access your account—even from your smartphone with our mobile app
    • Pick the monthly payment due date that works best for you
    • Pay however you want—by check, online, or at a local branch, all with no fee
    • Get access to your account 24 hours a day, 7 days a week
    • Start building for the future with features that can help you get there
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 24.9%
    (Variable)
  • Annual Fee
    Credit Needed
  • $0 intro for first year; $19 after that
    Fair Credit
  • logo
    Capital One® Classic Platinum Credit Card
     
    (Tap to show details)
  • Card Info
    • Get the credit you need with a competitive rate
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is lost or stolen
    • Use online banking to access your account—even from your smartphone with our mobile app
    • Pick the monthly payment due date that works best for you
    • Pay however you want—by check, online, or at a local branch, all with no fee
    • Get access to your account 24 hours a day, 7 days a week
    • Start building for the future with features that can help you get there
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 20.9%
    (Variable)
  • Annual Fee
    Credit Needed
  • $39
    Fair Credit
  • logo
    Barclaycard® Rewards MasterCard® - Average Credit
     
    (Tap to show details)
  • Card Info
    • 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 cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 24.99%*
    (Variable)
  • Annual Fee
    Credit Needed
  • $0
    Average Credit
  • logo
    Credit One Bank® Visa® Platinum
     
    (Tap to show details)
  • Card Info
    • Keep an eye on your credit information with free online monthly credit score tracking
    • Pre-Qualifying for our card is easy, fast and won't affect your credit score!
    • Email or text alerts to remind you when your payment is due
    • Get a credit line increase automatically after you make your first six monthly payments on time
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 17.90%-23.90%
    (Variable)
  • Annual Fee
    Credit Needed
  • $35-$99
    Fair Credit
  • logo
    Capital One® Card Finder Tool
     
    (Tap to show details)
  • Card Info
    • Find card offers you may be eligible for without affecting your credit score
    • Get matched to features you want like low intro rates, cash back or miles, and more
    • See your card matches in less than 60 seconds
    • Find a card for where you are—to help you prepare for what's ahead
    • All Capital One cards come with fraud coverage if your card is lost or stolen
    • 24/7 account access including mobile app for fast and easy account management—right from your smartphone
    • Pick the monthly payment due date that works best for you
    • Pay the way you want—by check, online, or at a local branch
  • Purchases
  • See Terms
    Intro APR
    See Terms
    Intro APR Period
  • Balance Transfer
  • See Terms
    Intro APR
    See Terms
    Intro APR Period
  • Regular APR
  • Various Rates
  • Annual Fee
    Credit Needed
  • See Terms
    N/A
  • logo
    JourneySM Student Rewards from Capital One®
     
    (Tap to show details)
  • Card Info
    • 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
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 19.8%
    (Variable)
  • Annual Fee
    Credit Needed
  • $0
    Average*
  • logo
    Credit One Bank® Gas Rewards Credit Card
     
    (Tap to show details)
  • Card Info
    • 1% back on all gas purchases
    • No limit to the gas rewards you can earn
    • Rewards post to your account automatically each month
    • Get pre-qualified without affecting your credit score
    • Make your first six payments on time and get a credit line increase
    • Keep an eye on your credit information with free online monthly credit score tracking
    • Choose your card design from our premium gallery
    • Email or text alerts to remind you when your payment is due
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 17.90%-23.90%
    (Variable)
  • Annual Fee
    Credit Needed
  • $35-$99
    Fair Credit
  • logo
    Discover it® for Students with $20 Cashback Bonus
     
    (Tap to show details)
  • Card Info
    • 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.
  • Purchases
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Balance Transfer
  • See Terms
    Intro APR
    See Terms
    Intro APR Period
  • Regular APR
  • 12.99%-21.99%
    (Variable)*
  • Annual Fee
    Credit Needed
  • $0
    Fair Credit
  • logo
    Discover it® chrome for Students
     
    (Tap to show details)
  • Card Info
    • 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" to see rates, rewards and other information.
  • Purchases
  • 0%
    Intro APR
    6 months
    Intro APR Period
  • Balance Transfer
  • See Terms
    Intro APR
    See Terms
    Intro APR Period
  • Regular APR
  • 12.99% - 21.99%
    (Variable)*
  • Annual Fee
    Credit Needed
  • $0
    Fair Credit
  • logo
    Playstation® Card from Capital One®
     
    (Tap to show details)
  • Card Info
    • Earn 5,000 bonus points after your first purchase in the first 90 days
    • 10 points per $1 spent on all Playstation® Store purchases
    • 3 points per $1 spent on Playstation® and Sony purchases at Sony Store and store.sony.com
    • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
    • 1 point per $1 spent on all other purchases
    • Redeem for Sony products, movies, music & more
    • 0% intro APR on purchases until June 2015, after that a variable 13.9% - 24.9% applies
    • No annual fee
  • Purchases
  • 0%
    Intro APR
    until June 2015
    Intro APR Period
  • Balance Transfer
  • N/A
    Intro APR
    N/A
    Intro APR Period
  • Regular APR
  • 13.9% - 24.9%
    (Variable)
  • Annual Fee
    Credit Needed
  • $0
    Good Credit
  • logo
    Discover it® for Students
     
    (Tap to show details)
  • Card Info
    • 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.*
    • 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.
  • Purchases
  • 0%
    Intro APR
    6 months
    Intro APR Period
  • Balance Transfer
  • See Terms
    Intro APR
    See Terms
    Intro APR Period
  • Regular APR
  • 12.99%-21.99%
    (Variable)*
  • Annual Fee
    Credit Needed
  • $0
    Fair Credit

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.