Best Credit Cards for Fair Credit 2026
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.
Top Picks
Indigo® Mastercard® - $1,000 Credit Limit
Celtic Bank
Annual Fee
See Terms
Credit Needed
Fair
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90%
- Get the credit limit you deserve—$1,000 guaranteed if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
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- Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit, just purchasing power.
FIT™ Platinum Mastercard®
The Bank of Missouri
Annual Fee
See terms
Credit Needed
Fair/Poor/Bad
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90% Fixed
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
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- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
Reflex® Platinum Mastercard®
Celtic Bank
Annual Fee
$75 - $125
Credit Needed
Fair/Poor/Bad/Limited
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90% Fixed
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
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- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One®
Annual Fee
$39
Credit Needed
Average, Fair, Limited
Rewards Rate
1.5% Cash Back on every purchase, every day
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
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- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Top rated mobile app
Capital One Platinum Credit Card
Capital One®
Annual Fee
$0
Credit Needed
Average, Fair, Limited
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.99% (Variable)
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
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- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Top rated mobile app
Indigo® Mastercard® for Less than Perfect Credit
Celtic Bank
Annual Fee
$175 the first year; $49 thereafter
Credit Needed
Poor/Fair
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.9%
- Get the credit limit you deserve—$700 guaranteed if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
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- Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit, just purchasing power.
Mission Lane Visa® Credit Card
TAB Bank
Annual Fee
$0
Credit Needed
Fair
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
29.99-33.99% Variable
- $0 Annual Fee. Clear terms and transparent pricing.
- See if you qualify instantly without harming your credit score.
- 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.
Milestone® Mastercard®
The Bank of Missouri
Annual Fee
See terms
Credit Needed
Fair/Good
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
See terms
- Guaranteed $700 credit limit if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don't Have Perfect Credit? No Problem!
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- 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.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
Capital One Quicksilver Student Cash Rewards Credit Card
Capital One®
Annual Fee
$0
Credit Needed
Average, Fair, Limited
Rewards Rate
1.5% Cash Back on every purchase, every day
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 1.5% cash back on every purchase, every day
- 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
- Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- 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
PREMIER Bankcard® Mastercard® Credit Card
First PREMIER® Bank
Annual Fee
N/A
Credit Needed
Fair/Poor
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
N/A
- PREMIER Bankcard credit cards are for building credit.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
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- Credit Limit Increase Eligible after 12 months of consistent responsible account management.
- We report monthly to the Consumer Reporting Agencies to help you build your credit.