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If you have a FICO credit score in the range of 580 to 669, you have fair credit. In this range, it can be difficult to qualify for credit cards and loans, and your options may come with higher interest rates.
The good news is that people with fair or average credit are close to reaching the good-credit range (FICO score of 670 to 739). And once you’re there, you’ll have access to improved financial products that come with better benefits and lower interest rates. And one of the best ways to get there is with a credit card.
The best credit cards for fair credit come with credit-building features. These may include low or limited fees and free credit scores and monitoring. When used responsibly, lenders will see your good financial habits. And along the way, you may even earn valuable rewards and discounts.
To help you out, check out our picks for the best credit cards for fair credit and advice on how to boost your credit.
If you have a FICO credit score in the range of 580 to 669, you have fair credit. In this range, it can be difficult to qualify for credit cards and loans, and your options may come with higher interest rates.
The good news is that people with fair or average credit are close to reaching the good-credit range (FICO score of 670 to 739). And once you’re there, you’ll have access to improved financial products that come with better benefits and lower interest rates. And one of the best ways to get there is with a credit card.
The best credit cards for fair credit come with credit-building features. These may include low or limited fees and free credit scores and monitoring. When used responsibly, lenders will see your good financial habits. And along the way, you may even earn valuable rewards and discounts.
To help you out, check out our picks for the best credit cards for fair credit and advice on how to boost your credit.
Our rating:4.0
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
580-740 (Fair to Good)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
This card doesn't offer cash back, miles, or points
At A Glance
Annual fee
$0
Balance transfer intro APR
N/A
Regular APR
29.74% variable
Recommended credit
580-740 (Fair to Good)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:3.9
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
580-740 (Fair to Good)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
580-740 (Fair to Good)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:3.9
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
580-740 (Fair to Good)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
At A Glance
Annual fee
$39
Balance transfer intro APR
N/A
Regular APR
29.74% variable
Recommended credit
580-740 (Fair to Good)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:4.2
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
580-740 (Fair to Good)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Earn 5% cash back on Walmart.com purchases, including pickup and delivery
2%
Earn 2% cash back on purchases in Walmart® stores, Murphy USA and Walmart® fuel stations
2%
2% cash back on restaurants and travel purchases
1%
1% cash back on all other purchases everywhere else Mastercard® is accepted
At A Glance
Annual fee
$0
Balance transfer intro APR
N/A
Regular APR
17.99% or 28.99% (Variable)
Recommended credit
580-740 (Fair to Good)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:3.9
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
(No Credit History)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
1%
1% cash back on eligible purchases right away.
At A Glance
Annual fee
$0
Balance transfer intro APR
N/A
Regular APR
17.49% - 31.49% variable
Recommended credit
(No Credit History)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:3.2
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
580-740 (Fair to Good)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
5X
Earn 5x points on eligible travel, dining, and gas
1X
Earn 1x points on all other purchases
At A Glance
Annual fee
$95
Balance transfer intro APR
N/A
Regular APR
28.24% variable
Recommended credit
580-740 (Fair to Good)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
Our rating:2.8
Our writers, editors and industry experts score credit cards based on a variety of factors including card features, bonus offers and independent research. Credit card issuers have no say or influence on how we rate cards. The score seen here reflects the card's primary category rating. For more information, you can read about how we rate our cards.
Recommended credit
580-740 (Fair to Good)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
This card doesn't offer cash back, miles, or points
At A Glance
Annual fee
$59
Balance transfer intro APR
N/A
Regular APR
29.24% variable
Recommended credit
580-740 (Fair to Good)
CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.
All information about the Credit One Bank Platinum Visa for Rebuilding Credit card has been collected independently by CreditCards.com. The issuer did not provide the content, nor is it responsible for its accuracy.
Comparing the best credit cards for fair credit
Best For
Credit Card
Annual Fee
Building Credit
Capital One Platinum Credit Card
$0
Building credit + earning rewards
Mission Lane Cash Back Visa
$0
Flat-Rate Rewards
Capital One QuicksilverOne Cash Rewards Credit Card
$39
Walmart purchases
Capital One Walmart Rewards® Mastercard®
$0
Earning rewards + avoiding fees
Petal® 2 “Cash Back, No Fees” Visa® Credit Card
$0
Travel
Credit One Bank Wander® Card
$95
No foreign transaction fee
Avant Credit Card
$59
International purchases
Upgrade Cash Rewards Visa®
$0
Rebuilding after bankruptcy
Indigo® Mastercard®
$0-$99
College Students
Discover it® Student Cash Back
$0
Cash back rewards
Credit One Bank® Platinum Visa® for Rebuilding Credit
$75 for the first year. After that, $99 annually ($8.25 per month)
Rebuilding credit
Milestone® Mastercard®
$35-$99
Rewards
Credit One Bank® Platinum X5 Visa®
$95
No Annual Fee
Petal®1 “No Annual Fee” Visa® Credit Card
$0
No Credit History
Chase Freedom® Student credit card
$0
Editor’s picks: the best credit cards for people with fair credit
Why we picked it: The Capital One Platinum Credit Card gives you the opportunity to get a credit limit increase after as little as six months, something not often seen with credit-builder cards.
Pros: The Platinum has no annual fee, making it an excellent choice for a first card. Also, there’s fraud protection, online banking, access to a contactless card and more.
Cons: This card doesn’t offer a sign-up bonus or ongoing rewards and carries a 29.74% variable APR, which is something to consider when looking for a card for the long term.
Who should apply? This is a great card for anyone hoping to avoid an annual fee or a secured card deposit while working their way up from average credit.
Who should skip? If you’re looking for a low-interest credit card or are more concerned about earning rewards than building credit, this card will likely disappoint.
Why we picked it: The Mission Lane Cash Back Visa is an unsecured card, meaning no deposit required. It’s also an instant approval credit card. So you’ll know right away whether you qualify – with no impact on your credit score.
Pros: You can earn unlimited cash back rewards on all purchases. And if you’re in good standing, you’ll be automatically considered for a higher credit line in as little as seven months.
Cons: Your starting credit limit may only be $300. And if you don’t pay off your balance each month, you’ll get stuck paying a high variable interest rate of 26.99% to 29.99%.
Who should apply? Anyone looking to earn rewards while working to improve their credit score should consider this card, especially if they don’t want to tie up funds in a secured credit card.
Who should skip? This isn’t the card for you if you tend to carry a balance from month to month. If that’s the case, you’ll be better off with a credit card with a lower APR.
Why we picked it: Earning unlimited cash back rewards while strengthening your credit makes this our pick for the best credit card for fair/average credit for flat-rate rewards.
Pros: You’ll earn consistent 1.5% cash back on all purchases, with no need to juggle rotating rewards categories or track spending. Plus, with responsible use, you will be considered for a credit limit increase after your first 6 months of on-time payments.
Cons: The $39 annual fee will cut into your cash back earnings and the card’s APR is very high at 29.74% (Variable), making it a risky choice should you need to carry a balance.
Who should apply? This card is ideal for those with so-so credit hoping to earn a decent rewards rate on day-to-day spending.
Who should skip? If paying your monthly balance in full is a struggle, this card could end up costing you a lot in interest. Additionally, big spenders would be better off going with a card that maximizes earnings on top spend categories.
Why we picked it: If you are loyal to Walmart, this card just keeps giving you love by way of rewards. Earn 5% cash back at Walmart stores using Walmart Pay for your first 12 months of card membership, then earn 2%. Also, earn 5% cash back on Walmart.com purchases, including pickup and delivery.
Pros: In addition to earning 2% at Walmart stores, you can get that rate on restaurant and travel purchases, as well as at Walmart and Murphy USA Fuel stations.
Cons: The 5% rewards rate with Walmart Pay in Walmart stores only applies for the first 12 months, then reverts to 2%, though the 5% back on Walmart.com purchases remains. If you prefer to do your shopping in person, you might find the card less valuable after your first year.
Who should apply? If Walmart is your go-to one-stop shop of choice, this card offers strong rewards for those in the fair credit range. Online shoppers can take advantage of the high rewards rate on Walmart.com purchases.
Who should skip? This card won’t be of much use unless you do a good bit of shopping at Walmart, specifically Walmart.com which offers the highest long-term rewards rate.
Why we picked it: The Petal 2 is a great option if you’re trying to build credit. This unsecured credit card doesn’t require a deposit and has a fast preapproval process, which will not affect your credit score. Plus, it comes with no annual fee, late payment fee, foreign transaction fee or penalty APRs.
Pros: You’ll immediately earn 1% cash back on every eligible purchase. After making six on-time payments, that rate grows to 1.25% for eligible purchases, followed by 1.5% on all eligible purchases once you make 12 on-time payments. There are even select merchants where you can earn anywhere from 2% to 10% cash back.
Cons: Your credit limit can be as low as $300. With a limit that low, even carrying over a balance of $100 could impact your credit utilization ratio and credit score. Paying your balance in full each month will help ensure you stay on a positive credit-building course.
Who should apply? If your goal is to build credit, the Petal 2 is a great choice, thanks to an absence of fees and the chance to earn rewards.
Who should skip? If you have a history of missed payments or delinquency, your chances of approval drop. If that’s the case, take a look at our credit cards for bad credit.
Why we picked it: The Wander card combines a generous rewards program with credit-building features like free onlineaccess to your Experian credit score and the chance to change your payment due date, which could help make budgeting easier.
Pros: This is one of the only travel rewards cards open to people with fair credit and features a number of perks not typically found with credit-builder cards, like a sign-up bonus and travel accident insurance.
Cons: The annual fee is higher than a number of top credit cards for fair credit and could be hard to offset unless you’re a frequent traveler.
Who should apply? Credit builders who want to earn rewards for their eligible travel, dining and gas purchases even as they’re working their way up to good credit.
Who should skip? Occasional travelers who may not be able to rack up enough points to easily offset the annual fee.
Why we picked it: The Avant Credit Card offers a $300 credit limit and requires no security deposit.
Pros: This card allows potential applicants to check if they’re preapproved without dinging their credit. The application process is quick and applicants generally receive a decision in as little as 60 seconds.
Cons: This card offers no rewards and is generally short on perks beyond its lack of a foreign transaction fee.
Who should apply? This card could be a match for credit-builders looking to boost their score without putting cash down for a security deposit. Travelers will like its lack of foreign transaction fees.
Who should skip? Someone hoping to earn rewards will be disappointed by this card’s lack of a rewards program. Those who tend to carry a balance should be mindful of the high APR (29.24% variable).
Why we picked it: As a Visa card, this product is excellent for overseas travel, thanks to the Visa network’s widespread acceptance. To top it off, this card has the added feature of no foreign transaction fee, which means you can make international purchases with no extra cost.
Pros: This card is light on the fees, including no annual fee and no monthly fee. Also, earn an unlimited 1.5% cash back on purchases every time you make a payment. An added feature: See if you prequalify without hurting your credit score.
Cons: There’s no sign-up bonus with this card, as well as no introductory 0% APR offer on purchases or balance transfers. That said, the regular APR starts out low at 14.99% to 29.99%, if you can qualify for it.
Who should apply? Someone who struggles to keep up with payments may find the reward incentive to be a useful motivator. Travelers will enjoy its lack of foreign transaction fees and high acceptance around the globe.
Who should skip? If your credit score allows it, you can certainly find a more valuable flat-rate cash back card.
Why we picked it: When it comes to your personal finances, peace of mind is extremely important. If you struggle to get approved for a credit card after bankruptcy, the Indigo Mastercard could be the answer. In addition to welcoming people who have gone through bankruptcy, you can prequalify to see how likely you are to be approved without any impact to your credit score.
Pros: The card also comes with Mastercard benefits like extended warranty coverage and fraud protection. And since it’s an unsecured card, you won’t have to put down any money up front.
Cons: The card doesn’t earn rewards, and the credit limit only goes up to $300. There are also a number of fees that do little to help people with fair credit improve their score. This includes an annual fee that can get as high as $99, a late or returned payment fee of up to $40 and a penalty APR of 29.9%. Plus, Indigo doesn’t specify when or if you can qualify for a higher credit limit.
Who should apply? If you haven’t been able to get approved for a credit card due to past bankruptcy, the Indigo card could give you a chance to get back on track and rebuild your credit.
Who should skip? Anyone who is unable to pay their balance in full each month should first try to qualify for credit cards with fewer fees.
Why we picked it: Earning extra cash for being responsible with your credit card is one of this card’s most valuable benefits. You’ll be raking in the rewards while building credit thanks to this card’s terrific rewards rate (5% on rotating categories for up to $1,500 per quarter, then 1%, activation required) and low fees. Even better, Discover will match all the cash back you’ve earned at the end of your first year.
Pros: If you need time to pay off purchases, there’s a 0% introductory APR on new purchases for the first 6 months from account opening (17.24% to 26.24% variable APR after).
Cons: The card needs upkeep: You must enroll in the rotating bonus category every quarter to earn the high cash back rate.
Who should apply? For anyone new to the world of credit, this Discover card’s consumer-friendly terms, lucrative first-year bonus and rotating cash back categories make for an excellent start.
Why we picked it: You’ll earn 1% cash back rewards on eligible purchases of gas, groceries and mobile phone, internet, cable and satellite TV services. Getting cash back in such practical categories should help you offset the card’s annual fee at least a bit.
Pros: Not only is it an unsecured card – meaning you won’t have to put down any money up front as a deposit – you may be able to increase your credit limit over time with responsible use. Plus, the card comes with credit-building tools like free online access to your Experian credit score and the option to set up alerts to ensure you keep up with payments and avoid late fees.
Cons: While it’s a decent option if you’ve had a few financial stumbles and are looking to get your credit back on track with an unsecured card, it could cost you. The Credit One Bank Platinum Visa for Rebuilding Credit charges an annual fee of $75 for the first year. After that, $99 annually ($8.25 per month), along with annual charges for adding authorized users and a fee for using the card abroad.
Who should apply? For credit-builders, it’s tough to find a credit card that offers any sort of cash back rewards program, much less one so straightforward.
Who should skip? With a foreign transaction fee of 3%, frequent travelers may want to look elsewhere.
Why we picked it: Thanks to no required security deposit and a prequalification process that won’t hurt your credit score, this card provides ways for cardholders to build back their credit history.
Pros: This card offers no cash advance fees in your first year as a cardholder (either $5 or 5% thereafter, whichever is greater), plus identity theft protection and a competitive foreign transaction fee of 1%.
Cons: The card’s initial credit limit of $300 is a reason it comes up short for some, along with its $35 to $99 annual fee, a high regular APR and the lack of additional perks.
Who should apply? This card’s low entry barrier makes it an attractive option for those with a history of bankruptcy or bad credit.
Who should skip? Even among cards for people with bad credit, this card’s hefty fees and high APR are off-putting. And if earning rewards are a high priority for you, look elsewhere.
Why we picked it: This card offers a simple and straightforward structure that gives people with less-than-perfect credit the opportunity to earn generous cash back rewards and benefits.
Pros: Earn 5% cash back on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year – that means you could earn $250 for the year. It’s 1% back after that.
Cons: The regular APR is one of the highest around, at 28.24% Variable. Also, there is no welcome bonus. Finally, this card’s $95 annual fee puts a dent on any rewards you earn.
Who should apply? For anyone with fair credit hoping to rack up cash back rewards, this card is a strong choice.
Who should skip? If you have a tendency to carry a balance, the regular APR (28.24% Variable) could be problematic, especially if you’re trying to build up your credit score.
Why we picked it: In addition to no foreign transaction fee, a rarity for cards that accept fair or average credit, this card also offers no annual fee. Late and returned payment fees may apply.
Pros: On top of earning 2% to 10% cash back at select merchants, you can get a credit limit of up to $5,000, and that’s with no refundable deposit required. You can also see if you are preapproved within minutes of applying.
Cons: The regular APR is sky high on this card, at 24.49% to 33.99% variable. Also, there is no sign-up bonus offer, and there are no ongoing rewards.
Who should apply? This card is a good fit for anyone with a limited or so-so credit history hoping to build up their score without paying an annual fee or security deposit.
Who should skip? A high end range of the variable APR means this card may not be the best option for someone who carries a balance month to month.
Why we picked it: Chase’s first credit card for college students rewards responsible spending: For the first five years, cardholders receive a $20 bonus after each account anniversary year if their account is in good standing (meaning their minimum payments are being made on time). Plus, there’s no annual fee.
Pros: The Chase Freedom Student credit card lets students earn rewards: 1% cash back on every purchase. Plus, there’s a sign-up bonus: Cardholders earn $50 after making their first purchase with the card in the first three months. They also receive 5% total cash back on Lyft rides through March 31, 2025 and a complimentary three-month subscription to DashPass, DoorDash’s subscription service that provides free deliveries on eligible orders over $12. You must activate this benefit by Dec. 31, 2024, and after three months, you’ll be automatically enrolled in DashPass at 50% off for the next nine months.
Cons: Depending on their spending habits, students could arguably earn more over time with other cards in this category. For instance, the Journey Student Rewards from Capital One offers 1% cash back on general purchases but also lets cardholders earn a 25% bonus when they pay on time (an overall rate of 1.25% for that month). Learn more about the best student credit cards.
Who should apply? This card’s great credit-building tools and college-friendly rewards opportunities make it an ideal starter card for students.
Who should skip? Students already in good financial standing who have regular high expenses may be able to earn more from a card offering a higher rewards rate.
Fair credit (or average credit) can vary based on different credit scoring models. FICO and VantageScore are the two major credit scores in the United States. Both have a credit score range from 300 to 850. FICO was the creator of the first credit score and is still the most widely used score today. For FICO credit scores, fair credit ranges between 580 and 669 (based on the standard FICO Score 8 model). For VantageScore, fair credit can range from 601 to 660 (standard VantageScore 3.0 model).
Fair is a below-average score for both FICO and VantageScore. Since credit offers are based on creditworthiness, people with fair credit get below-average offers.
But if you have fair credit, you’re in a good position to rebuild. While lenders typically prefer credit scores to fall in the good-to-excellent range, people with fair credit scores are still considered viable applicants for many loans. And with some persistence and responsible credit usage, you can improve your credit score to one of the upper ranges.
FICO score ranges
Range
Category
300-579
Very poor
580-669
Fair
670-739
Good
740-799
Very good
800-850
Exceptional
VantageScore ranges
Range
Category
300-499
Very poor
500-600
Poor
601-660
Fair
661-780
Good
781-850
Excellent
Pros and cons of cards for fair credit
Pros of a credit card for fair credit
Build your credit score. If you’re someone with their sights set on improving their credit score, many of the cards here have perks designed to do so. With a card for fair credit, you can regularly track your score, have chances to increase your credit line, have your good habits reported to the three major credit bureaus (Experian, Equifax and TransUnion) and more.
Earn worthwhile rewards. Although cards for fair credit are often geared to help boost credit scores, you can still find options providing valuable cash back. That way, you’ll earn a little money back as you make the payments needed to increase your score.
Low cost to enter. Many cards for fair credit come with no annual fee, and those that do are generally low. Plus, you can often find cards that offer prequalification to avoid a hit to your credit score, and most cards are generous in who they approve.
Cons of a credit card for fair credit
Less-than-friendly terms. As a way to hedge their risk in accepting lesser credit scores, credit cards for fair credit will often come with high APRs and penalizing fees. As a new cardholder, it’s essential to pay off as much of your balance as possible to avoid the slippery slope of interest payments and extra charges.
Lack of welcome offers. Though you can find cards that come with a sign-up bonus or a 0% intro APR window, most of the cards here don’t feature any sort of bonus incentives to apply.
Low credit limits. Some cards for average credit will take a bit of time to trust you with a high credit limit. This may hurt your spending power and your credit utilization ratio, but most card providers will give you a longer leash after displaying the right habits for a bit.
How to choose a card for fair credit
Who should get a credit card for fair credit
The credit builder. If you’re someone with average credit who could benefit from improving your score, a card for fair credit can be a great choice. With options that let you prequalify and features that are designed to help boost your credit, you may avoid things like hard inquiries and take advantage of built-in assistance like regular reporting to the major credit bureaus.
The simple rewards earner. Many cards for fair credit come with easy-to-understand rewards structures, featuring strong cash back across all categories and other worthwhile incentives. Some choices here may require a little extra legwork, but you can even find cash back rates as high as 5% to 10% on select purchases with the right credit card for average credit.
The credit newcomer. Someone brand new to credit cards, students looking to get started and other credit rookies can be a good fit for cards for fair credit. Many of the choices here will give you a good idea of whether you’ll be approved ahead of time and have perks specifically designed to help students and other new users get acclimated to their card.
Who should skip a credit card for fair credit
The rewards chaser. Cardholders on the hunt for lucrative rates and uncapped rewards should look elsewhere if your credit score allows it. Our best rewards cards come with some exciting offers, and while a fair credit score may not be sufficient, one of the cards here might be the best way to make a top option a future possibility.
The debt consolidator. If you’re someone with outstanding credit card debt that you’re ready to tackle, a new card can be a great choice. Unfortunately, most cards for fair credit won’t offer the features you need in order to consolidate debt. Instead, a balance transfer credit card gives those in debt a long window with 0% intro APR so they can transfer balances and pay them down while avoiding interest.
The traveler. There aren’t any travel redemption options here, so frequent flyers and road trippers looking for award flights, hotel stays and other travel perks should look to travel credit cards. If your credit score doesn’t yet allow you to obtain a travel card, a card for fair credit might be item one on the itinerary.
How to make the most of a credit card for fair credit
When applying for a fair or average credit card, it is important to keep the goal of improving your credit in mind. Here are some tips on how someone with fair credit can get the most value out of their credit card:
Use your card to build credit. The most important aspect of using a card that requires fair or average credit is that you can build your credit with it, which will grant you access to better lending products.
Keep your utilization ratio low. People with fair credit tend to have cards with low credit limits. To keep your balances low and avoid increasing your credit utilization ratio, make small, multiple payments throughout the month.
Look for a card without an annual fee. By taking out a card with no annual fee, you minimize the costs incurred with card membership.
Practice with rewards. Cards for fair or average cards will sometimes have rewards, such as 1% back on all purchases. This is a good way to practice for getting a rewards card down the road. Make sure you don’t carry a balance because interest charges will negate your rewards.
Look to increase your credit limit. After you’ve established a several-month trend of paying on time and in full, you could contact your carrier and negotiate a longer credit limit. Some providers will review your account for an increase automatically, so pay attention to your card’s fine print.
Don’t close your old card. Once your credit score has risen to the point that you can apply for a better card, don’t close or stop using your card for fair credit. By continuing to use it, at least for small charges, you keep the account active, continuing to build credit with it, and you increase your available credit.
Check for and report errors on your credit reports
Unfortunately, credit reports do include the occasional error, but the bright side is there are ways to dispute credit report errors that pop up. Routinely checking your report is a good way to prevent long-term impact from a mistake.
Breaches are a top cause for the need to check those credit reports. With several instances in just the past few years, protecting yourself against data breaches is as important as ever.
What should you do? Besides varying your passwords, regularly check your credit files for mistakes. Notify the credit bureaus of any errors you find, no matter how small, because even a little one can be a sign that you’re a victim of fraud, and that can ultimately impact your score.
Are there credit cards for fair/average credit with instant approval?
Yes, there are cards that offer instant approval, even if you have fair/average credit. Instant approval cards can be a great way to learn within minutes if you are conditionally accepted as a cardmember. Just keep in mind that instant approval isn’t a guarantee that you will be granted the card – a more thorough check of your file will be conducted if you are allowed conditional approval. Plus, whether you can get approved or denied right away is based on if the company can verify your identity. In the case that your identity cannot be easily identified, the application process could take a few days. Focusing on cards that fit within your credit range is crucial to your financial health, and using the card responsibly is the key to strengthening your credit. Check out our list of the top instant approval cards to see if any are a good option for you.
What do I do if I’m rejected for a credit card?
If your hopes of landing a credit card of your dreams have been dashed, we can help. By taking the right steps, you can recover and get the card you want and need.
1. Have your application reconsidered
It’s no surefire solution, but you should contact the card issuer to see if they’d review your application again. If you’re able to argue your case, you might be able to get your foot in the door. Some card providers might be more willing to accept you as a cardholder after you’ve shown extra initiative.
2. Get the explanation from the issuer
Issuers are required to explain to you why you were rejected. You might find out online, by phone or by mail – no matter which way, read the issuer’s feedback, then try to fix the situation.
3. Check your credit score and credit reports
In general, it’s a good idea to check your credit reports several times a year. You can check them for free once a year at AnnualCreditReport.com. If you’ve been rejected by a card issuer, make a point of checking your credit files to make sure there are no errors or omissions.
4. Look at a credit-builder loan with your credit union
If your credit files are too weak for even a basic secured card, talk to your local credit union about getting a credit-builder loan. These loans are designed for improving your credit rather than getting money for a home improvement or car.
5. Catch up on your bills
Payment history has the biggest impact on your credit score. If you are behind on any bills, you should call the creditor and arrange to pay the past due amounts. After making your payments, you can request that the creditor rescind any reported delinquencies so they will no longer show up on your credit report. While this may be the slowest step, it is essential to improving your credit score. Finally, your more recent activity weighs more heavily, so those on-time payments are priceless.
6. Don’t close accounts
If you already have cards, don’t close them. Instead, pay them down and keep using them. Why? Because your payment history remains on your credit files for several years, good or bad, so you aren’t protecting your credit just by closing the account. In fact, the available credit on your cards helps your file, as does continuing to pay on time.
7 . Wait several months
Wait several months before applying for a card again. Too many card applications too close together can mean desperation to a lender. Also, this gives your score a chance to improve.
8. Apply for a card you are reasonably sure you will get
In this case, don’t reach for the stars. Instead, choose a card to apply for that you are pretty sure you can get. If you are unable to qualify for an unsecured card, try a secured card to help build your credit.
What impacts your credit score?
Especially with this year’s economic uncertainties, understanding what does and doesn’t affect your credit score is more important than ever if you have fair credit. Almost half (47%) of the surveyed cardholders whose incomes were harmed since March did something to potentially damage their score, according to a July 2020 Bankrate survey.
17% added to their debt. Additionally, 8% carried a balance, thinking it would help their score. Could hurt your: credit utilization ratio (and wallet)
12% paid a bill late, and 6% didn’t pay a bill at all. Could hurt your: payment history
3% cancelled a credit card, thinking it would help their score. Could hurt your: credit history
When you boil down the noise about what factors are and aren’t considered by FICO, we’ve found late payments, keeping your card balances full and bankruptcies have the biggest impact on your score.
There are many misjudgments around credit scores. According to VantageScore’s 2020 Survey, nearly half of Americans (48%) wrongfully believe that a person’s age impacts their credit score. Additionally, that same study found that only 33% knew that a credit score is meant to represent the risk of not repaying a loan, with 14% even thinking that it represents one’s knowledge of consumer credit. While that isn’t the case, improving your knowledge of credit scores is a great step in the right direction.
So what actually impacts your credit? What goes into a FICO score can be broken down into 5 different factors, along with the percentage of importance to your score:
Payment history: 35 percent – If you make a payment 30 days past the due date or later, it will most likely appear on your credit report. The later the payment, the worse the impact on your credit score.
Amounts owed: 30 percent – The less available credit you are using, the higher your credit score will be.
Length of credit history: 15 percent – This refers to the average account age of your accounts and the age of your newest account, which gets younger each time you open a new account.
New credit: 10 percent – Each time you apply for a new credit card or loan, a hard inquiry will hit your credit.
Credit mix: 10 percent – Having several types of loans – such as a car loan, a mortgage and a credit card – can help your credit.
The length of time it takes to improve your credit depends on the details of your financial situation. Along with your credit behavior, your starting score is a major factor.
For example, if you have no credit history, it will take a minimum of 6 months to establish a credit score. Credit score formulas require an active credit account to be present for at least 6 months before a score is generated.
If you are repairing damaged credit, however, it can take much longer to up your score. A person who only qualifies for a secured card, for example, can generally improve to fair credit within 12 to 18 months – with responsible card usage, of course.
While some people need to repair minor infractions, others have major issues to climb back from. Overcoming small mishaps will be a quicker journey than, say, recovering from bankruptcy. According to VantageScore, here are the approximate lengths of time it takes to repair credit based on your actions:
Action
Avg. Recovery Time
Credit Score Impact
Applying for Credit
3 months
Minor
Closing an Account
3 months
Minor
Maxing Out a Credit Card
3 months
Moderate
Missing Payment / Default
18 months
Significant
Bankruptcy
6+ years
Significant
What activities affect your credit?
There are a number of factors affecting your credit, and VantageScore has identified which ones are more important than others. What makes one factor more important than another and what can you do about it? It has to do with how lenders see the behavior. Here are behaviors, how lenders view them and how much impact they have on your credit:
Behavior
How lenders view this
Impact on your score
Pay bills on time
Wisely handling debt
Improvement
Not use all available credit
Sufficient access to credit, unlikely to need additional funds
Improvement
Hold accounts for long periods
Experienced credit user
Improvement
Use different types of loan products
Experience with different types of repayment requirements
Improvement
Inquire about or take out new loans
Are you just expanding access or taking on too much?
Slight drop
Max out credit cards or make first late payment
Potential signal of increasing risk
Drop
Pay multiple loans late; miss 3 or more payments
All credit at risk
Larger drop
Stop paying loan; foreclosure
Default
Major drop
Bankruptcy
Default
Maximum drop over extended time period
In the news: Experian launches Go, a tool to build your own credit report
If you’ve boosted your credit score to the fair-credit range, you’ve come a long way. Your efforts have opened the door to more opportunities, making it easier for you to borrow money if you ever need to. Not everyone is as fortunate.
A lot of people still struggle to get their credit score as far as you have. In fact, 28 million have no credit score or credit report and are credit invisible. And because of this, they struggle to gain access to valuable financial resources. This makes it easier for them to fall prey to predatory lending options like payday loans.
If you know anyone who is credit invisible, let them know they have resources available to them. This includes a new tool by Experian that helps people who are credit invisible establish credit records. Instead of relying on lenders to provide the data that determines a credit score, Experian’s Go program lets users create an Experian credit report using recurring bills that are not usually reported to credit bureaus. John Egan has the details on Experian’s new DIY credit report tool.
Research methodology: How we choose the best cards for fair credit
Methodology: We analyzed 161 credit cards in the average credit range to identify the top products in the class. Core criteria we considered in our evaluation include:
Credit-building features: When building a credit score, it’s vital to have a card that regularly reports your payment habits and has flexibility with your credit limit. We looked for credit cards with perks that help bolster your credit history and make it easy to track your credit score.
Base rewards program: Does the card provide any ways to earn rewards? Not all cards in the fair credit range do, but some options provide strong cash back earnings, attainable sign-up bonuses and rewards across several spend categories.
Affordability: Does the card feature an annual fee? Additionally, are there any extra fees you need to watch out for? How high are the interest rates if you were to carry a balance? In other words, we considered how costly a card can be.
Additional benefits: Some cards offer introductory 0% APR periods on purchases/balance transfers to help protect cardholders from tedious costs. Other protective benefits, like zero fraud risk, prequalification and many more, were also weighed during our analysis.
More information on credit cards
For more information on all things credit cards, continue reading content from our credit card experts:
The minimum credit score for a credit card depends on the type of card you’re after.
If you’re new to credit, there is no minimum, as it’s possible to get approved for a credit card with no credit score. These credit cards are designed for people with little or no credit history and can help you start your credit journey. Examples include:
The Petal® 2 “Cash Back, No Fees” Visa® Credit Card
Capital One Platinum Secured Credit Card
Once you’ve built your credit up to a FICO credit score of 300, you’ve moved one step up the ladder. Now you’re able to qualify for a number of credit cards for bad credit. These include:
Credit One Bank® Platinum Visa® for Rebuilding Credit
Mission Lane Visa® Credit Card
It’ll take a minimum credit score of 580 to get to the next level: Credit cards for fair credit. Here, you’ll find options like:
Capital One QuicksilverOne Cash Rewards Credit Card
Upgrade Visa® Card with Cash Rewards
The next stage of your credit journey starts with a FICO credit score of 670. At this level, you’re looking at credit cards for good credit. Here, all your hard work begins to really pay off. You’ll find credit card offers with better rewards, lower interest rates and enhanced protections. Examples include:
Citi® Double Cash Card
Blue Cash Everyday® Card from American Express
Plenty of credit cards for excellent credit also have a minimum credit score of 670. So you won’t have to worry about achieving an excellent credit score (a FICO score of 800 to 850). But chances are, you’re going to need more than the minimum to qualify for top-of-the-line credit cards. To improve your chances, make sure your credit score is at least 700 or higher before you apply for credit cards like:
Some people will find it easy to get approved for a credit card with fair credit. If you have a FICO credit score of 580 or higher, chances of getting approved for these credit cards are good. But credit card issuers look at more than just your credit score. Most will also look at your credit report to see how well you manage debt. To make it easy, check your credit report for errors and make sure you’ve been paying your bills on time and that your credit utilization ratio is low (less than 30%).
If you have fair credit (a FICO credit score between 580 to 669) the easiest credit card you’ll get approved for is typically a credit card meant to help people build credit. This includes student credit cards, secured credit cards and even a few unsecured credit cards tailor-made for people with less-than-stellar credit.
Some people will find that the best easy approval credit card is Petal® 2 “Cash Back, No Fees” Visa® Credit Card. It has a quick preapproval process that takes seconds with no impact on your credit score. It also looks at more than just your credit score and history. Petal 2 takes into account alternative data like your savings account and spending history.
But the Petal 2 won’t be easy to get if you have a history of late payments or carry a lot of debt. If that’s the case, you’d have an easier time getting a credit card that welcomes people with fair credit and bad credit. That’s why the easiest credit card for people with fair credit could be the OpenSky® Secured Visa® Credit Card, which doesn’t require a credit check.
Even though these credit cards are easy, they may not be the best credit card for you. Some may have a lot of fees and higher interest rates. Some may not offer perks you can find with other credit cards, like higher rewards rates, generous sign-up bonuses and no foreign transaction fee. Before you try applying for the easiest credit card you can find, make sure it fits your lifestyle and you’ve looked around for the credit card that gives you the most value.
You can save yourself a lot of time and hassle by using our Cardmatch™ tool. Just answer a few questions, and within seconds, you may get a personalized list of offers from our partners that fit your credit profile and interests – with no impact to your credit score.
About the Author
Joey Robinson
Joey Robinson is a credit cards writer for CreditCards.com and has worked at a “Big Four” (Ernst & Young) accounting firm before exploring the world of credit cards. After learning proper professional and financial practices through federal audits, he moved on to his second job, where he was introduced to CreditCards.com/Bankrate as a data analyst. As time passed, his interests drifted away from data analysis and into the communication of credit card essentials. Over the past two years, he’s shared his expertise and has brought understanding to complex topics as a writer and editor for sites like CreditCards.com, Bankrate.com and NextAdvisor. His advice on avoiding common credit card fees, top balance transfer tactics and more financial tips have been featured on MSN Money and other various news publications.
About the Editor
Tracy Stewart
Tracy Stewart is a personal finance writer specializing in credit card loyalty programs, travel benefits, and consumer protections. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. His money-saving tips have appeared in the Washington Post, the Wall Street Journal, Consumer Reports, MarketWatch, Vice, People, the Zoe Report and elsewhere.
About the Reviewer
Jason Steele
Jason Steele is a professional journalist and credit card expert who has been contributing to online publications since 2008. He was one of the original contributors to The Points Guy, and his work has been appearing there since 2011. He has also contributed to over 100 of the leading personal finance and travel outlets. He’s frequently interviewed and quoted by mainstream outlets on the subjects of credit cards and travel. Jason is passionate about travel rewards credit cards, which he uses to earn rewards that he can redeem for him and his family to travel around the world. Jason is also the founder and producer of CardCon, a conference for credit and credit card journalists that’s held annually.
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CreditCards.com is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditCards.com receives compensation. This compensation may impact how and where products appear on this site, including, for example, the order in which they may appear within listing categories. Other factors, such as our own proprietary website rules and the likelihood of applicants' credit approval also impact how and where products appear on this site. CreditCards.com does not include the entire universe of available financial or credit offers. CCDC has partnerships with issuers including, but not limited to, American Express, Bank of America, Capital One, Chase, Citi and Discover.
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Since 2004, CreditCards.com has worked to break down the barriers that stand between you and your perfect credit card. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. From industry experts to data analysts and, of course, credit card users, we’re well-positioned to give you the best advice and up-to-date information about the credit card universe.
Let’s face it — there’s a lot of jargon and high-level talk in the credit card industry. Our experts have learned the ins and outs of credit card applications and policies so you don’t have to. With tools like CardMatch™ and in-depth advice from our editors, we present you with digestible information so you can make informed financial decisions.
Our top goal is simple: We want to help you narrow down your search so you don’t have to stress about finding your next credit card. Every day, we strive to bring you peace-of-mind as you work toward your financial goals.
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