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 Rewards Cards For Fair Credit
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
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.
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- Combine the flexibility of a card with the low cost and predictability of a loan
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Access to a virtual card while you wait for your card to arrive in the mail
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
Best For Home, Auto & Health
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.
- Earn 3% unlimited cash back on home, auto, and health categories
- Combine the flexibility of a card with the low cost and predictability of a loan
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Access to a virtual card while you wait for your card to arrive in the mail
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
Best For Referral Bonuses
The Jasper Cash Back Mastercard can rake in an unbelievable amount of cash back if you have individuals that you can refer to the also get the card.
At the base rate, you'll start at 1% cash back. You can earn up to 6% cash back by referring family, friends, and associates to get the card. For every approved friend that activates their card, you'll receive an additional 0.5% cash back.
The card has no annual fee, no security deposit, and no foreign transaction fees. Rewards earned with the card are automatically applied as a statement credit so it's no need to worry about redeeming rewards.
If you know others in need of a great rewards card or you're good at referring cards, the Jasper Cash Back Mastercard can be one of the best cash back cards on the market in terms of overall rewards.
- Up to 6% cash back by referring friends!
- Start with 1% and get an extra 1% for a full year for every friend you bring on board
- Cash back not limited to certain categories, earn on almost all everyday purchases
- No annual fee, no security deposit, no foreign transaction fees
- Simple, intuitive app to manage your account
- Unique auto payment options that help you build and maintain your credit score
- Receive cash back automatically every month as a statement credit after three on time payments
- Earn cash back as long as your account is in good standing
- Your cash back maximum varies based on your credit limit.
- See Jasper's Terms & Fees
- Issued by WebBank, Member FDIC
Best For No Fees
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.
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
- Up to 1.5% cash back after making 12 on-time monthly payments
- 1% cash back on eligible purchases right away
- 2% - 10% cash back from select merchants
- $500-$10,000 credit limits
- Variable APRs 12.99%-26.99%
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
Best For Flat-Rate Cash Back
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.
- Earn cash rewards without signing up for rotating categories
- Be automatically considered for a higher credit line in as little as 6 months
- Monitor your credit profile with the CreditWise® app, free for everyone
- Help strengthen your credit for the future with responsible card use
Best For Walmart Shoppers
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.
- Redeem rewards for cash back, statement credits, recent purchases in and out of Walmart, travel, and gift cards
- No annual fee and no foreign transaction fees
Best Credit Cards For Fair Credit Summary
| Credit Card | Annual Fee | Best For | Rewards Calculator |
|---|---|---|---|
| Upgrade Visa® Card with Cash Rewards | $0 | Best Overall For Flexibility | Apply Now |
| Upgrade Triple Cash Visa Card | $0 | Best For Home, Auto & Health | Apply Now |
| Jasper Cash Back Mastercard® | $0 | Best For Referral Bonuses | Learn More |
| Petal® 2 "Cash Back, No Fees" Visa® Credit Card | $0 | Best For No Fees | Learn More |
| Capital One QuicksilverOne Cash Rewards Credit Card | $39 | Best For Flat-Rate Cash Back | Learn More |
| Capital One® Walmart Rewards® Mastercard® | $0 | Best For Walmart Shoppers | Learn More |
Find The Best Credit Card For Building Your Credit
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.
