Have Fair Credit? See Which Cards Earn The Most Rewards

Best Cards For Fair Credit - May 2022
Find out which credit cards for fair credit can earn you the most rewards based on spend. Calculate value, compare cards, and get the best of both worlds by building your credit profile while maximizing your rewards.
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Last Updated 2022-02-20

If you're working on building or repairing your credit profile, it's still possible to earn rewards on your everyday spending. Review the best rewards credit cards for fair credit (FICO 580 - 669) and calculate which cards can earn you the most rewards based on your spend.


Best Overall For Flexibility
Annual Fee: $0
$200 Bonus
Get a $200 bonus when you open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening.
Best For Home, Auto & Health
Annual Fee: $0
$200 Bonus
Get a $200 bonus when you open and fund a new Upgrade Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening.
Best For No Fees
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Annual Fee: $0
Best For Worldwide Spending
Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Annual Fee: $0
No Current Offer
Best For Walmart Shoppers
Capital One® Walmart Rewards® Mastercard®
Capital One® Walmart Rewards® Mastercard®
Annual Fee: $0
Earn 5% Back
Earn 5% cash back in Walmart stores for the first 12 months after approval when you use your Capital One Walmart Rewards® Card with Walmart Pay.

This page details our top picks for the best credit cards for fair credit (FICO 580 - 669). You can use the calculator to estimate which credit cards can earn you the best average return on your spend.

The cards on this page are updated periodically. New cards are introduced from time to time and the benefits of current cards could change at any time. You can use our Credit Card Finder Tool to search by spend across all credit cards in our database.

If you have Bad Credit (FICO 300 - 579) or Limited to No Credit, you'll want to check out these cards from our partners:

Best Overall For Flexibility

Upgrade Visa® Card with Cash Rewards
Upgrade Visa® Card with Cash Rewards

The Upgrade Visa® Card with Cash Rewards is the best option if you're looking for a great flat-rate return on your spend.

The card earns an unlimited 1.5% cash back on all purchases. If you pay the card off every statement, it will behave like your standard cash back credit card.

If you need to carry a balance beyond the due date, the amount owed is converted to an installment loan at a fixed interest rate in which you can repay in equal monthly installments over a set period.

Another big plus is that you can also use this card as a personal loan. You can request funds be sent directly to your bank account from your card's credit limit. As with purchases, you'll be able to pay back the loan in equal monthly installments over a set period and interest rate.

The Upgrade Visa Card with Cash Rewards is available to those with FICO scores of 600 and up and the credit limits range from $500 to $20,000.

It has $0 fees - no annual fee, no foreign transaction fees, no maintenance fees, and no activation fees.

Best For Home, Auto & Health

Upgrade Triple Cash Visa Card
Upgrade Triple Cash Visa Card

The Upgrade Triple Cash Visa Card is similar to the Upgrade Visa Card with Cash Rewards, but features several bonus categories that can earn some significant cash back.

The card earns 3% back on home, auto, and health purchases and 1% back on everything else. The categories featured on the card are pretty broad with categories that typically feature large purchases.

  • Home: Examples include appliance stores, landscaping, home repairs, home improvement stores, hardware stores, and furniture stores
  • Auto: Examples include car washes, auto repairs, auto part stores, car dealership purchases, and towing services
  • Health: Examples include gym memberships, gym equipment purchased directly from vendor, sporting good stores, pharmacies, doctor offices, health and beauty services, and spas

If you don't pay off the entire balance before the due date, the amount owed is converted to an installment loan at a fixed interest rate in which you can repay in equal monthly installments over a set period.

You'll also be able to request funds be sent directly to your bank account from your card's available credit limit. This can also be paid back in equal monthly installments over a set period and interest rate.

The Upgrade Triple Cash Visa Card is available to those with FICO scores of 600 and up and the card offer great credit limits which can range from $500 to $20,000.

Best For No Fees

Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Petal® 2 "Cash Back, No Fees" Visa® Credit Card

The Petal® 2 "Cash Back, No Fees" Visa® Credit Card is a flat-rate cash back credit card.

You'll earn 1% cash back on eligible purchases right away. As you make payments, the amount of cash back you earn with the card will increase. You can earn up to 1.5% cash back after making 12 on-time monthly payments.

It has no annual fee, no late fee, no international fee, or any-other-kind-of-fee, fee.

The Petal 2 Visa Credit Card offers bonus cash back ranging from 2% to 10% from select merchants and offers pretty generous credit limits ranging from $500 to $10,000.

Best For Worldwide Spending

Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card

Capital One is known for their credit building credit cards. The Capital One QuicksilverOne Cash Rewards Credit Card is a great option if you're looking to build cash back at a flat rate.

It earns 1.5% cash back on all purchases ran through the card with no cap on how much you can earn.

As you make your payments on time, you'll receive a higher credit limit which is great since available credit is important for building your credit score.

The card has a $39 annual fee, but the good thing is that you can typically product change ('PC') to the no-annual fee Quicksilver Card after some time by calling Capital One.

If you're big on travel, the QuicksilverOne Card has no foreign transaction fee which makes it a great option for international spending.

Overall, it's a solid choice if you want a great card with a large, global lender.

Best For Walmart Shoppers

Capital One® Walmart Rewards® Mastercard®
Capital One® Walmart Rewards® Mastercard®

Shop at Walmart often? You'll want to consider the Capital One® Walmart Rewards® Mastercard®.

It earns 5% cash back on Walmart.com purchases, 2% back in-store at Walmart and on Walmart Gas Station and Murphy Gas Station purchases, 2% back on dining and travel purchases, and 1% back on everything else.

The card has no annual fee which means you'll be able to easily rake in a high return on your spend. It also has no foreign transaction fee which makes it a great choice if you want to earn cash back when traveling internationally.

Rewards earned with the card can be used at checkout at Walmart, for travel purchase, or you can apply them to your statement.

Best Credit Cards For Fair Credit Summary

Credit Card Annual Fee Best For
Upgrade Visa® Card with Cash Rewards $0 Flexibility
Upgrade Triple Cash Visa Card $0 Home, Auto & Health
Petal® 2 "Cash Back, No Fees" Visa® Credit Card $0 No Fees
Capital One QuicksilverOne Cash Rewards Credit Card $39 Worldwide Spending
Capital One® Walmart Rewards® Mastercard® $0 Walmart Shoppers

Calculate Rewards For Credit Building Cards

Use the rewards calculator to get an idea of which credit cards will offer you the most rewards based on your spend.

Results will consist of top-rated credit cards that are great if you have fair credit. Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

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These estimates are to help guide you towards making the best decision when it comes to picking up a rewards credit card. They should be used for illustrative purposes only.

All credit card links listed below will open in a new tab/window so that you will not lose your search results and all spend entered in the fields above will carry over to every credit card rewards calculator on the site so there's no need to re-enter spend.