Best Rewards Cards For Fair Credit - Calculate Rewards

Have a fair FICO credit score of 580 to 669? Get the best of both worlds by building your credit profile while earning cash back rewards on your purchases.

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

If you have fair credit, there's a handful of great rewards credit cards to choose from.

The important thing to note is that if you do pick up one of these cards, you'll want to pay your cards off in full every statement.

If you fail to do so, the interest that you'll be paying will eat away at your rewards faster than you can earn them.

If you don't plan on paying off your card in full, you would be better off going for a credit card with a lower APR that does not earn rewards.

This page details our top picks for the best credit cards for fair credit (FICO 580 - 669). There's also a Rewards Calculator at the bottom of this page that you can use 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. If you're looking for credit cards based on other criteria, you can check all of our best credit cards lists.

You can also 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.

Upgrade Visa® Card with Cash Rewards
Intro Bonus
No current intro bonus
Rewards Rate
1.5%
Earn 1.5% unlimited cash back on card purchases every time you make a payment
Main Card Highlights
  • 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
Annual Fee
$0
Regular APR
8.99% - 29.99% APR
Foreign Transaction Fee
0%

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.

Upgrade Triple Cash Visa Card
Intro Bonus
No current intro bonus
Rewards Rate
3%
Earn 3% cash back on home, auto, and health categories.
1%
Earn 1% cash back on everything else.
Main Card Highlights
  • 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
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%

Best For Referral Bonuses

Jasper Cash Back Mastercard®
Jasper Cash Back Mastercard®

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.

Jasper Cash Back Mastercard®
Jasper Cash Back Mastercard®
Intro Bonus
No current intro bonus
Rewards Rate
Up To 6%
Your cash back rate will be increased by 1% for 12 months for each referred applicant that activates their card, up to a limit of 6% total cash back.
Main Card Highlights
  • 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
Annual Fee
$0
Regular APR
15.49% - 24.99% variable
Foreign Transaction Fee
0%

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.

Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Petal® 2 "Cash Back, No Fees" Visa® Credit Card
Intro Bonus
No current intro bonus
Rewards Rate
1.5%
Up to 1.5% cash back after making 12 on-time monthly payments.
1%
1% cash back on eligible purchases right away.
Main Card Highlights
  • 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
Annual Fee
$0
Regular APR
12.99% - 26.99% variable
Foreign Transaction Fee
0%

Best For Flat-Rate Cash Back

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.

Capital One QuicksilverOne Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Intro Bonus
No intro bonus.
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Main Card Highlights
  • 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
Annual Fee
$39
Authorized User Fee
$0
Foreign Transaction Fee
0%

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.

Capital One® Walmart Rewards® Mastercard®
Capital One® Walmart Rewards® Mastercard®
Intro Bonus
Earn 5% cash back on purchases in Walmart stores when you use this card with Walmart Pay for the first 12 months after approval
Rewards Rate
5%
Earn 5% cash back on Walmart.com purchases, including pickup and delivery
2%
Earn 2% cash back on purchases in Walmart stores, restaurants and travel purchases
2%
Earn 2% cash back at Walmart and Murphy USA Fuel Stations
1%
Earn 1% cash back on all other purchases everywhere else Mastercard® is accepted
Main Card Highlights
  • 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
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%

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

Best Cards By Spend Calculator

The Best Cards By Spend Calculator will give you an idea of which credit cards will offer you the most rewards based on your spend.

Results will be sorted by net return which is the average value of the rewards earned, plus annual credits, and minus annual fees.

Results will consist of top-rated credit cards that are great for Fair Credit.

Add Categories
Search for categories and click 'Add Category' to add it to the calculator. If you want to be more specific, you can specify domestic or international spend.
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Category Spend

Enter your spend per month, year, or quarter for the listed categories. You can then click Get The Best Cards to get the list of results.
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Spend Duration

You can set the duration of the spend for the categories listed above. If you're looking for the best card for only n-months worth of spend, this is where you change the option.

If you want to calculate based on a full year of spending, you can leave it set to a duration of '1 Year'.

Adjust Transferable Points

Some rewards programs allow you to transfer your earned points to airline, hotel, and other loyalty programs. These programs will generally have higher point values when doing such.

Since these matter so much when choosing a credit card, you can enter your own point value for these programs to include in the calculations.

When set to zero (0), they will calculate based on The Point Calculator's valuations. Any non-zero value you enter will be used in the calculations.

You can click on the to learn more about the value of the currency when applicable (opens in a new tab/window). Depending on the calculations, all programs listed below may not be featured in the results.

Results

Note: Results may take a few seconds to generate after doing a search. The results and values listed are estimates to help guide you towards making the best decision. They are for illustrative purposes only.
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Finished Calculating Rewards?

Select one of the popular card categories below to get started on applying for the best credit cards in the market.
Updated 2021-07-01 By Robert Flowers III

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