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
Rewards Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Fair/Good/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Earn up to 2X reward points or miles with your everyday spending
- Use rewards towards free flights, hotel nights, merchandise, cash back or gift cards
- Earn lucrative sign-up bonuses after initial spending thresholds are met
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- Enjoy terms and features like no annual fee, no foreign transaction fee and free credit scores
- Terms vary by partner offer. Please see each bank's application for terms and conditions.
- Clicking Apply Now will take you to CreditSoup.com to compare Rewards Credit Cards from participating partners
Low Interest Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Fair/Good/Limited/No Credit/Good/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Best for those who carry a balance from month to month
- Save even more with $0 annual fee card options
- 0% APR introductory rates on purchases and balance transfers up to 18 months
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- Get even more value by earning 0% APR on a rewards-earning credit card
- Credit needed: Excellent/Good
- Terms vary by partner. Please see the card application for product terms and conditions.
- Clicking Apply Now will take you to CreditSoup.com to compare Low Interest Credit Cards from participating partners
Total Visa® Card
The Bank of Missouri
Annual Fee
See Terms*
Credit Needed
Fair/Bad Credit
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.99%*
- An initial credit limit Up To $500! (See terms*)
- Earn 1% Cash Back Rewards on payments made to your Total Visa Credit Card.
- Checking account required.
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- Free credit monitoring powered by TransUnion®
- Fast and easy application process.
- All credit types welcome to apply.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See Total Card Visa Rewards Programs Terms & Conditions for details
Good Credit Cards
CreditSoup.com
Annual Fee
See website for Details*
Credit Needed
Fair/Good/Limited/No Credit/Excellent
Rewards Rate
N/A
Purchase APR
See website for Details*
Balance Transfer
See website for Details*
Regular APR
See website for Details*
- Take advantage of your good credit to get competitive APRs and rewards
- Enjoy low rates and rewards for everyday spending
- Earn cash back, points or miles to redeem for travel, gift cards or cash rewards
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- Bonus offers – up to 50,000 points or miles
- Good credit can lead to excellent credit – some cards provide free credit score monitoring
- Terms vary by partner. Please see individual application for product terms and conditions.
- Clicking Apply Now will take you to CreditSoup.com to compare Credit Cards for Good Credit from participating partners