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.
Advertiser Disclosure: CardCompareHub is an independent comparison service that may earn compensation through affiliate partnerships with card issuers. This may influence how and where products appear on this site, but does not affect our editorial opinions or card rankings. Read the full advertiser disclosure.
Top Picks
Mastercard
Credit Score
300
680
Poor - Fair
Annual Fee
$85-$175 first year, $229 thereafter
Foreign Fee
3% of each transaction amount in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
36% Fixed
Apply Now
On The Bank of Missouri's website
- 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*
Show 6 more Show less
- 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.
Mastercard
Rewards
Credit Score
620
680
Fair
Annual Fee
$175 the first year; $49 thereafter
Rewards Rate
1.5%
Foreign Fee
1% of each transaction in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90%
Apply Now
On The Bank of Missouri's website
- 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.
Show 4 more Show less
- 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. View the
Rates & Fees.
Mastercard
Cash Back
Rewards
No Annual Fee
No Foreign Fees
Dining
Student
Credit Score
300
680
Limited - Fair
Intro Offer
Earn $50 Cash Back
when you spend $100 in the first three months
Annual Fee
$0
Rewards Rate
3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services
Foreign Fee
0%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
18.49% - 28.49% (Variable)
Apply Now
On Capital One®'s website
- 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
Show 7 more Show less
- 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. View the
Rates & Fees.
VISA
Cash Back
Rewards
No Annual Fee
Credit Score
620
720
Fair - Good
Annual Fee
$0
Rewards Rate
1.5% Unlimited Cash Back
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
26.99 - 29.99% Variable
Apply Now
On TAB Bank's website
- 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.
Show 6 more Show less
- 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.
VISA
No Annual Fee
Student
Credit Score
300
680
No Credit - Fair
Annual Fee
$0
Rewards Rate
10%
Foreign Fee
$0
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.24% - 33.24% Variable
Apply Now
On WebBank's website
- 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
Show 6 more Show less
- 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.
VISA
Credit Score
300
720
Bad - Good
Annual Fee
$39
Rewards Rate
1%
Foreign Fee
3%, Min: $1, whichever is greater
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
29.74%* Variable
Apply Now
On Credit One Bank®'s website
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services†
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges†
- Automatic reviews for credit line increase opportunities
Show 5 more Show less
- Free Online Credit Score and Credit Report summary†
- Choose your monthly payment due date for added convenience†
- Never miss an account update with customizable text and email alerts
- Manage your account on-the-go with the Credit One Bank mobile app
- †Terms Apply
Rates & fees apply. View the
Rates & Fees.
VISA
Cash Back
Rewards
Credit Score
300
680
No Credit - Fair
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.
Rewards Rate
10%
Foreign Fee
3%
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.24% (variable)
Apply Now
On Capital Bank N.A.'s website
- 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
Show 10 more Show less
- 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. View the
Rates & Fees.
VISA
Cash Back
Rewards
Credit Score
300
680
No Credit - Fair
Annual Fee
$35
Rewards Rate
10%
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
23.89% (variable)
Apply Now
On Capital Bank N.A.'s website
- 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
Show 8 more Show less
- 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. View the
Rates & Fees.
VISA
Cash Back
Rewards
No Annual Fee
Credit Score
300
680
No Credit - Fair
Annual Fee
$0
Rewards Rate
10%
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.24% (variable)
Apply Now
On Capital Bank N.A.'s website
- 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. View the
Rates & Fees.
Mastercard
Credit Score
620
680
Fair
Annual Fee
$250 the first year; $99 thereafter
Foreign Fee
1% of each transaction in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90%
Apply Now
On The Bank of Missouri's website
- Get a guaranteed $1,000 credit limit if approved!
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
Show 3 more Show less
- 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.
Rates & fees apply. View the
Rates & Fees.
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.
Compare:
—
|
—
|
—
|
—
You can compare up to 4 cards at a time