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Credit Cards»Credit Cards for Fair Credit

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® 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
  • 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 or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
    • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
    • 0% intro APR on purchases until February 2016; 22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until February 2016
    • 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
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    until February 2016
    Intro APR Period
    0%
    Intro APR
    until February 2016
    Intro APR Period
    22.9% (Variable)
    $39
    Fair Credit
  • Capital One® Platinum Credit Card
    or call
    866-781-9766
    • Start with a $0 intro 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
    • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
    • Get access to your account 24 hours a day, 7 days a week
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • 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
  • Barclaycard® Rewards MasterCard®
    • 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.
  • 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
    Fair Credit
  • Milestone® Gold MasterCard®
    • Quick pre-qualification available with no impact to your credit score
    • Fast and easy instant decision
    • Choose your custom card design - Free
    • Free online account access
    • Zero Liability — you'll never be held liable for unauthorized charges made to your card
    • Accepted at over 35 Million Locations Worldwide!
    • Previous bankruptcy OK
  • 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
    23.90% (Fixed)
    $35-$99 (varies by credit level)
    Good/Fair
  • 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
    • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
    • Get access to your account 24 hours a day, 7 days a week
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • 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
  • Journey® Student Rewards from Capital One®
    • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for 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 or foreign transaction fees
    • Fraud coverage if your card is lost or stolen
    • Pick the monthly 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
  • 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
    Fair Credit
  • Credit One Bank® Platinum Card
    • Automatic reviews for credit line increase opportunities
    • Keep an eye on your credit information with free online monthly credit score tracking
    • Get Pre-Qualified without affecting your credit score
    • Choose your card design from our premium gallery
    • Email or text alerts to remind you when your payment is due
    • Unlimited 1% cash back gas rewards
  • 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
  • Credit One Bank® Credit Card with Gas Rewards
    • Unlimited 1% cash back gas rewards
    • Rewards post to your account automatically each month
    • Get Pre-Qualified without affecting your credit score
    • Automatic reviews for credit line increase opportunities
    • 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
  • Total VISA® Unsecured Credit Card
    • Fast and easy application process; response provided in seconds
    • A genuine VISA card accepted by merchants nationwide across the USA and online
    • Manageable monthly payments
    • If approved, simply pay a Processing Fee to open your account and access your available credit
    • Reports monthly to all three major credit bureaus
  • 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
    29.99% (Fixed)
    $75.00 for the first year, $48 annually after that
    Fair/Bad 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 February 2016, 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 February 2016
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    13.9% - 24.9% (Variable)
    $0
    Good Credit
  • USAA Classic American Express®
    • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
    • This credit card is best for members with average credit.
    • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
    • USAA will periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
    • Special rates are available for military members during deployment or PCS. See terms for additional information.
  • 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
    Fair Credit
  • USAA Classic Platinum Visa®
    • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
    • This credit card is best for members with average credit.
    • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
    • USAA will periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
    • Special rates are available for military members during deployment or PCS. See terms for additional information.
  • 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
    Fair Credit
  • USAA Classic Platinum MasterCard®
    • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
    • This credit card is best for members with average credit.
    • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
    • USAA will periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
    • Special rates are available for military members during deployment or PCS. See terms for additional information.
  • 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
    Fair Credit
  • Discover it® chrome for Students with $20 Cash Back
    • 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.*
    • 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.
    • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
    • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
    • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
    • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    10.99%
    Intro APR
    6 months
    Intro APR Period
    12.99% - 21.99% Variable*
    $0
    Fair Credit
  • Discover it® for Students with $20 Cash Back
    • 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 in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
    • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
    • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
    • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
    • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    10.99%
    Intro APR
    6 months
    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.
    • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
    • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
    • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
    • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
    • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    6 months
    Intro APR Period
    10.99%
    Intro APR
    6 months
    Intro APR Period
    12.99% - 21.99% Variable*
    $0
    Fair 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 in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
    • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
    • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
    • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
    • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
    • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    6 months
    Intro APR Period
    10.99%
    Intro APR
    6 months
    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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