Search results:Credit Quality Fair

Find the best Credit Quality Fair Credit Cards

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Bankrate.com makes finding, comparing, and applying for a credit card an easy process! Below you will find a listing of some of the most popular cards in this category.
Some cards may feature low introductory rates, low fixed/variable APRs, rewards and more.
For more detailed information or to apply online, simply click the "Apply Now" button.

  • Capital One® QuicksilverOneSM Cash Rewards Credit Card
    • Click "APPLY NOW" to apply online 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 January 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
    • Intro APR
      Purchases Intro APR:0%
    • Intro APR Period
      Purchases Intro APR Period:until January 2015
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:22.9% (V)
  • Annual Fee
    Annual Fee:$39
  • Credit Needed
    Credit Needed:Fair Credit
  • Capital One® Platinum Credit Card
    • Click "APPLY NOW" to apply online 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
    • Intro APR
      Purchases Intro APR:N/A
    • Intro APR Period
      Purchases Intro APR Period:N/A
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:24.9% (V)
  • Annual Fee
    Annual Fee:$0 intro for first year; $19 after that
  • Credit Needed
    Credit Needed: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
    • Intro APR
      Purchases Intro APR:N/A
    • Intro APR Period
      Purchases Intro APR Period:N/A
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:24.99%* (Variable)
  • Annual Fee
    Annual Fee:$0
  • Credit Needed
    Credit Needed:Average 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
    • Intro APR
      Purchases Intro APR:See Terms
    • Intro APR Period
      Purchases Intro APR Period:See Terms
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: See Terms
    • Into APR Period
      Balance Transfer Intro APR Period: See Terms
  • Regular APR
    Regular APR:Various Rates
  • Annual Fee
    Annual Fee:See Terms
  • Credit Needed
    Credit Needed:N/A
  • 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
    • Intro APR
      Purchases Intro APR:N/A
    • Intro APR Period
      Purchases Intro APR Period:N/A
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:17.90%-23.90% (Variable)
  • Annual Fee
    Annual Fee:$35-$75
  • Credit Needed
    Credit Needed:Fair Credit
  • Capital One® Classic Platinum Credit Card
    • Click "APPLY NOW" to apply online or call 866-781-9766
    • 0% intro APR on purchases until January 2015
    • 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
    • Intro APR
      Purchases Intro APR:0%
    • Intro APR Period
      Purchases Intro APR Period:until January 2015
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:22.9% (V)
  • Annual Fee
    Annual Fee:$39
  • Credit Needed
    Credit Needed:Fair Credit
  • 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
    • Get free access to a credit score, credit report, and credit tips using Credit Tracker
  • Purchases
    • Intro APR
      Purchases Intro APR:N/A
    • Intro APR Period
      Purchases Intro APR Period:N/A
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: N/A
    • Into APR Period
      Balance Transfer Intro APR Period: N/A
  • Regular APR
    Regular APR:19.8% (V)
  • Annual Fee
    Annual Fee:$0
  • Credit Needed
    Credit Needed:Average*
  • Discover it® for Students with $20 Cashback Bonus
    • Fair. 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.*
    • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014 when you sign up.*
    • Human. Talk to a real person any time with 100% U.S.-based service.
    • Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.*
    • *Click "Apply" to see rates, rewards and other information.
  • Purchases
    • Intro APR
      Purchases Intro APR:N/A
    • Intro APR Period
      Purchases Intro APR Period:N/A
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: See Terms
    • Into APR Period
      Balance Transfer Intro APR Period: See Terms
  • Regular APR
    Regular APR:12.99%-21.99% Variable*
  • Annual Fee
    Annual Fee:$0
  • Credit Needed
    Credit Needed:Fair Credit
  • Discover it® for Students
    • Fair. 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.*
    • Generous. 5% cash back at Home Improvement Stores, Furniture Stores and Bed Bath & Beyond® on up to $1,500 in purchases from April through June 2014 when you sign up.*
    • Human. Talk to a real person any time with 100% U.S.-based service.
    • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
    • *Click "Apply" to see rates, rewards and other information.
  • Purchases
    • Intro APR
      Purchases Intro APR:0%
    • Intro APR Period
      Purchases Intro APR Period:6 months
  • Balance Transfer
    • Intro APR
      Balance Transfer Intro APR: See Terms
    • Into APR Period
      Balance Transfer Intro APR Period: See Terms
  • Regular APR
    Regular APR:12.99%-21.99% Variable*
  • Annual Fee
    Annual Fee:$0
  • Credit Needed
    Credit Needed:Fair

Credit card definitions

Purchases Intro APR: The initial interest rate that is charged for a specified period of time.

Purchases Intro period: The period of time for which the introductory interest rate is in effect.

Regular APR: The interest rate charged after the introductory rate has expired.

Annual fee: The charge for use of a credit card levied each year, which typically ranges from $15 to $300 and is billed directly to the customer's monthly statement.

Balance transfer: Moving unpaid credit card debt from one issuer to another.

Credit needed: Terms for credit cards are granted to consumers based on their credit risk. Excellent credit consumers typically have lower interest rates compared with poor credit consumers. Credit card issuers assess risk based on the FICO score, the most commonly used credit score.

Credit card type: The category under which a card can be classified to help consumers identify relevant cards. For example, a consumer looking to transfer a balance from one card to another may want to look at cards in the Balance Transfer category.

Credit type: The category under which a card can be classified to help consumers identify relevant cards. For example, consumers with excellent credit may find the best card for their needs in the Excellent Credit category. Credit worthiness is determined by a consumer's FICO score, the most commonly used credit score.

Issuers: The financial institutions that issue credit cards and bills the customer for purchases made against the card account.

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Credit card tip
Never just pay the minimum. By paying the smallest amount of your bill instead of paying it off every month, you allow the card companies to make money off of you by charging interest. This also makes a charge more expensive.
Credit card tip
Pay your bill on time. If you don't pay your bill by the due date, you face late fees of up to $39, along with interest-rate hikes. Just being one day late on your payment could cause your 3 percent interest card to jump up to 22 percent or more in some cases.
Credit card tip
If you want a better rate, sometimes all you have to do is ask. If you are a good customer who pays on time and doesn't go over your credit limit, you card issuer wants to keep you as a client. Give them a call and see what they are willing to do for you.
Quality Assurance
Compare rates with confidence. Rates are accurate and available as of the date seen for Bankrate consumers. Identify yourself as a Bankrate consumer to get the Bankrate.com rate.

* 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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Product Rate Change Last week
Balance Transfer Cards 15.67%  0.04 15.71%
Cash Back Cards 16.32%  0.04 16.36%
Low Interest Cards 10.91% --0.00 10.91%
 
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