Credit Cards For Fair Credit

Fair Credit: 580 - 669. Get a list of the best credit cards for fair credit to continue building your credit history and improving your scores.

If your MyFICO score is in the 580 to 669 range, you have fair credit. This is the entry level for being able to sweep up some great credit cards. If your score is between 630 and 669 and you don't have a bunch of negatives on your report, you may want to consider using our Search For Cards By Spend Tool as you'll be able qualify for some nice rewards cards. If you're under 630, you may want to continue making on-time payments and keeping a low balance across the cards you have now. You can also apply for the cards below which may earn better rewards than the credit cards you have now.

Credit Cards For Fair Credit

Jasper Cash Back Mastercard®
Rewards Rate
Up To 6%
Up to 6% cash back by referring friends! Limited time only: Start with 1%, get to 3% cash back by successfully referring just two friends! Promotional cash back rate lasts for a full year.
Intro Bonus
$100 signup bonus! Apply by May 31, 2021 using promo code RVPROMO to receive a $100 statement credit upon first eligible purchase, if approved. Terms apply.
Annual Fee
$0
Regular APR
15.49% - 24.99% variable
Foreign Transaction Fee
0%
Main Card Highlights
  • Up to 6% cash back by referring friends!
  • Limited time only: Start with 1%, get to 3% cash back by successfully referring just two friends! Promotional cash back rate lasts for a full year.
  • 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.
  • Issued by WebBank, Member FDIC
Capital One Platinum Credit Card
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
$0
Regular APR
26.99%
Main Card Highlights
  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help build your credit through responsible use of a card like this
Petal® 2 'Cash Back, No Fees' Visa® Credit Card
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.
Annual Fee
$0
Regular APR
12.99% - 26.99% variable
Foreign Transaction Fee
0%
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
Capital One QuicksilverOne Cash Rewards Credit Card
Rewards Rate
1.5%
Earn unlimited 1.5% cash back on every purchase, every day
Intro Bonus
N/A
Annual Fee
$39
Authorized User Fee
$0
Foreign Transaction Fee
0%
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
Upgrade Visa® Card with Cash Rewards
Rewards Rate
1.5%
Earn 1.5% unlimited cash back on card purchases every time you make a payment
Annual Fee
$0
Regular APR
8.99% - 29.99% APR
Foreign Transaction Fee
0%
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
Credit One Bank® Visa® for Rebuilding Credit
Rewards Rate
1%
Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
Intro Bonus
No current offer
Annual Fee
$0 - $99
Regular APR
17.99% - 23.99% variable
Foreign Transaction Fee
3%
Main Card Highlights
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • With $0 Fraud Liability, you won't be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
  • This unsecured card requires no deposit and can help build your credit
  • Choose your monthly payment due date for added convenience, terms apply
Credit One Bank® Platinum Rewards Visa
Rewards Rate
5%
Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter.
1%
1% cash back rewards on all other purchases. Terms Apply.
Intro Bonus
No current offer
Annual Fee
$95
Regular APR
23.99 variable
Foreign Transaction Fee
3%
Main Card Highlights
  • Get 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
  • Zero Fraud Liability protects you from unauthorized charges
  • Get free access to your Experian credit score online, terms apply
  • Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
Capital One® Walmart Rewards® Mastercard®
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
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
Annual Fee
$0
Authorized User Fee
$0
Foreign Transaction Fee
0%
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
Indigo® Platinum Mastercard®
Rewards Rate
N/A
This card does not offer cash back, points, or miles
Annual Fee
$0-$99
Regular APR
24.90%
Main Card Highlights
  • No security deposit required so you can keep more money in your pocket
  • Pre-qualify without impacting your credit score
  • Shine brighter with a credit card as unique as you
  • Get access to a credit card you can use online, in store and in app where ever you see the Mastercard logo
  • Pre-qualify faster than a jet plane - all without impact your credit score
  • Pre-qualify faster than you can microwave a burrito!
  • Build on your credit history with style
  • A card for your wallet that pops just like you!
  • Worry free spending with $0 liability on unauthorized charges!
  • More credit for your everyday needs
Milestone® Gold Mastercard®
Rewards Rate
N/A
This card doesn't offer cash back, points or miles
Annual Fee
$35-$99
Regular APR
24.90%
Main Card Highlights
  • A Mastercard designed for you
  • Build on your credit history with the Milestone Mastercard
  • Quick and easy pre-qualification
  • Quick and easy pre-qualification that does not impact your credit score
  • Get access to credit when you need it
  • A way to build on your credit history
  • Get a Mastercard accepted online, in store and in app.
  • Get credit for all of your hard work. Milestone Card reports to all three credit bureaus
Avant Credit Card
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
$39
Regular APR
25.99%
Main Card Highlights
  • No deposit required
  • Reports to all three major credit bureaus
  • No penalty APR
  • No hidden fees
  • Late Fee up to $39
  • We may periodically review your account for credit line increases
  • Fast and easy application process
  • Help strengthen your credit history with responsible use
  • Zero fraud liability for unauthorized charges
  • Conveniently pay your card through our online portal, 24/7
  • Get Mastercard┬« ID Theft Protection by Mastercard
  • Disclosure: If you are charged interest, the charge will be no less than $1.00. Cash Advance Fee 3%, Min: $10
  • Avant branded credit products are issued by WebBank, member FDIC
Petal® 1 "No Annual Fee" Visa® Credit Card
Rewards Rate
N/A
This card does not offer cash back, points, or miles
Annual Fee
$0
Regular APR
19.99% - 29.49% variable
Main Card Highlights
  • $0 Annual Fee
  • 2% - 10% cash back from select merchants
  • $500-$5,000 credit limits
  • Variable APRs 19.99-29.49% APR
  • No annual or international transaction fees. Late and returned payment fees may apply
  • 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
DestinyÔäó Mastercard┬«
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
$59-$99
Regular APR
24.90%
Main Card Highlights
  • $0 Fraud Liability for unauthorized use offers you peace of mind
  • Feel confident knowing pre-qualifying will not affect your credit score
  • Pick the credit card design that speaks to you
  • Access to an unsecured credit card - no security deposit required
  • Nationwide acceptance - use anywhere Mastercard is accepted in app, in store, and online
  • Pre-qualifying is quick and easy and will let you know if you are qualified without impacting your credit score
  • Pre-qualify without impacting your credit score
  • A card for your everyday needs
  • Reports your payments to all three major credit bureaus
  • Use your card in app, in store, and online - Nationwide wherever Mastercard is accepted
Reflex Mastercard® Credit Card
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
See Terms
Regular APR
See Terms
Main Card Highlights
  • See if youÔÇÖre Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard┬« is accepted
  • Checking Account Required
  • $0 fraud liability for unauthorized charges
Surge Mastercard®
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
See Terms
Regular APR
See Terms
Main Card Highlights
  • See if youÔÇÖre Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard┬« is accepted
  • $0 fraud liability for unauthorized charges
  • Checking Account Required
Total Visa® Unsecured Credit Card
Rewards Rate
N/A
This card doesn't offer cash back, points, or miles
Annual Fee
See Terms
Regular APR
See Terms
Main Card Highlights
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa┬« card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit).
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!

Check Your Credit Score

You should always know what's on your credit report and have a good idea of what your credit score is. Listed below are the best options for keeping up to date on your credit score across the major bureaus as well as being notified when there are changes to your credit report.

Use MyFICO to grab a one-time credit score and report or sign up for a monthly membership to receive notifications when there's changes to your credit report. Sign up through The Point Calculator and get 20% off.
Credit Karma is the best option if you want to know what's on your credit report. Sign up for free and get access to your Transunion and Equifax credit reports.
You can shortcut your way to finding great offers by using the CardMatch Tool. See all of your personalized and targeted credit card offers in less than 60 seconds with a soft pull on your credit. No hard credit pull.

Other Credit Options

Get the list of all of rewards credit cards you can use to build your credit. Applicable to those with no credit, bad credit, and fair credit.
Get a list of the best credit cards for bad credit. Boost your credit by making on-time payments and keeping a low balance.
Have limited credit or no credit at all? Build up your credit profile with these great credit card options.
If you have good credit (670 to 739) or excellent credit (740 to 850), you'll have access to the best of the best when it comes to earning rewards. Search for the best credit cards based on your spend with our tool!

Support The Site

If you find the site helpful, the best you can do is share this site with friends and family. Of course... you can share it with total strangers as well. Anything helps!

You can help support this site by using our Amazon link. Any qualifying purchase you make through our link will earn us some money and it is greatly appreciated if you do.

­čç║­čçŞ US ÔÇó ­čçĘ­čçŽ CA ÔÇó ­čçČ­čçž UK ÔÇó ­č玭čç║ AU