Credit Cards for Fair Credit
Fair credit (typically 580–669) doesn't have to limit your options. Several solid credit cards are designed for this range — with reasonable fees, credit-building features, and a path to better terms as your score improves. Compare the best cards for fair credit here.
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Top Picks
21
Upgrade Triple Cash Rewards Visa®
Cross River Bank
Annual Fee
$0
Credit Needed
(620+) Excellent, Good, Fair, Average
Foreign Fee
Up to 3%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
14.99% - 29.99% APR
- $200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*.
- 3% unlimited cash back on every purchase in Home, Health, and Auto categories
- No annual fee
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- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty and more
- Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
- No touch payments with contactless technology built in
- See if you qualify in seconds with no impact to your credit score
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
Rates & fees apply. See issuer's website for full terms.
22
Aspire® Protect Mastercard
The Bank of Missouri
Annual Fee
$85-$175 first year, $229 thereafter
Credit Needed
Fair, Poor
Foreign Fee
3% of each transaction amount in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
36% Fixed
- Cell Phone Protection* – Receive up to $800 of replacement or repair costs if eligible cell phone is stolen or damaged.
- 24-hour Roadside Assistance*
- Up to $25,000 Identity Theft Expense Reimbursement Coverage*
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- Up to $1,000 Credit Limit Subject to Credit Approval
- No Security Deposit
- $0 Fraud Liability*
- Prequalify** without affecting your Credit Score
- *Terms and Conditions apply. Click Apply Now for details.
- ** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
Rates & fees apply. See issuer's website for full terms.
23
Milestone® Mastercard® - 1.5% Cashback Rewards
The Bank of Missouri
Annual Fee
$175 the first year; $49 thereafter
Credit Needed
Fair
Foreign Fee
1% of each transaction in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90%
- Turn everyday purchases into 1.5% Cashback Rewards!
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
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- No upfront security deposit required so you can keep more money in your pocket.
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- A rewards card for people with less than perfect credit!
Rates & fees apply. See issuer's website for full terms.
24
Capital One Savor Student Cash Rewards Credit Card
Capital One®
Annual Fee
$0
Credit Needed
Average, Fair, Limited
Rewards Rate
3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $50 Cash Back when you spend $100 in the first three months
- Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
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- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
- Top rated mobile app
Rates & fees apply. See issuer's website for full terms.
25
Annual Fee
$0
Credit Needed
Fair, Good
Rewards Rate
1.5% Unlimited Cash Back
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
26.99 - 29.99% Variable
- Apply with confidence! There's no impact to your credit score if you are declined.
- Enjoy Unlimited 1.5% Cash Back on all Purchases.*
- Be automatically considered for a higher credit line in as few as 7 months.
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- Free, online credit score access for cardholders.
- No interest on Purchases when you pay in full and on time each month.
- No security deposit required – get started today!
- Enjoy coverage from Visa®.
- Access your account anytime, anywhere with our mobile app.
- *See Rewards Terms here
Rates & fees apply. See issuer's website for full terms.
26
Tilt Motion Card
WebBank
Annual Fee
$0
Credit Needed
Fair, Limited History, No History, Limited, No Credit
Foreign Fee
$0
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.24% - 33.24% Variable
- 1-10% cash back at select national merchants
- No Credit Score? No problem. Credit history isn’t required for approval
- No annual fee and no security deposit required
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- Credit limit increases in as early as 4 months for qualified borrowers
- Build credit alongside hundreds of thousands of Tilt card members
- Tilt reports to all 3 major credit bureaus
- Freeze your card in the mobile app at any time for peace of mind
- Zero liability fraud coverage
- Card issued by WebBank
Rates & fees apply. See issuer's website for full terms.
27
Credit One Bank® Platinum Visa®
Credit One Bank®
Annual Fee
$39
Credit Needed
Bad/Fair/Good
Foreign Fee
3%, Min: $1, whichever is greater
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
29.74%* Variable
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Automatic reviews for credit line increase opportunities
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- Free Online Credit Score and Credit Report summary, terms apply
- Choose your monthly payment due date for added convenience, terms apply
- Never miss an account update with customizable text and email alerts
- Manage your account on-the-go with the Credit One Bank mobile app
Rates & fees apply. See issuer's website for full terms.
28
opensky® Launch Secured Visa® Credit Card
Capital Bank N.A.
Annual Fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
Credit Needed
No credit, Poor, Fair
Foreign Fee
3%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.24% (variable)
- Start building credit with just $150 – secure your line with a low, refundable security deposit
- No credit check required – 89% approval rate with zero credit risk to apply!
- Annual fee billed in monthly installments of $2 per month in year 1 and $3 per month thereafter
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- Earn up to 10% cash back on everyday purchases
- Affordable payments – minimum payment as low as $10
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
Rates & fees apply. See issuer's website for full terms.
29
opensky® Secured Visa® Credit Card
Capital Bank N.A.
Annual Fee
$35
Credit Needed
No credit, Poor, Fair
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
23.89% (variable)
- Earn up to 10% cash back on everyday purchases
- No credit check required – 89% approval rate with zero credit risk to apply!
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
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- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with just $200—secure your credit line with a refundable deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
Rates & fees apply. See issuer's website for full terms.
30
opensky® Plus Secured Visa® Credit Card
Capital Bank N.A.
Annual Fee
$0
Credit Needed
No credit, Poor, Fair
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.24% (variable)
- No annual fee – keep more money in your pocket!
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
Show 9 more Show less
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Start with as little as $300 – Secure your line with a refundable security deposit
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- More time to fund—spread your security deposit over 60 days with layaway
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
Rates & fees apply. See issuer's website for full terms.
Editorial Note: Opinions expressed here are the author's alone. This content has not been reviewed, approved, or otherwise endorsed by any credit card issuer. Rates and fees are subject to change; always verify on the issuer's website.
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