Simple Direct's Recommended Credit Cards for Fair Credit
See below for Simple Direct’s top recommended credit cards for fair credit.
See below for Simple Direct’s top recommended credit cards for fair credit.
How we Choose
Our editorial team and expert review board provide an unbiased analysis of the products we feature. Our comparison service is compensated by our credit card company partners, and may influence where or how products are featured on the site. This site does not include all credit card companies or all available credit card offers. Please note: The star-rating system on this page is based on our independent card scoring methodology and is not influenced by advertisers or card issuers.Learn more about our partners and how we make money.
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.
Clicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
This card doesn't offer cash back, miles, or points
At A Glance
Intro offer
No current offer
Annual fee
$0
Regular APR
29.99% 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.
Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.
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.
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
Intro offer
No current offer
Annual fee
$39
Regular APR
29.99% 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: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.
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
Intro offer
5% Cash Back
Introductory offer: Earn 5% cash back on purchases in Walmart® stores for the first 12 months when you use your card with Walmart Pay
Annual fee
$0
Regular APR
19.48% or 29.99% (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:5.0
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.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate.
1%
Earn unlimited 1% cash back on all other purchases - automatically.
At A Glance
Intro offer
Cashback Match
Intro Offer: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
Annual fee
$0
Regular APR
18.24% - 27.24% 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:1.7
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.
This card doesn't offer cash back, miles, or points
At A Glance
Intro offer
No current offer
Annual fee
See terms*
Regular APR
See terms*
Recommended credit
300-670 (Bad to Fair)
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:3.7
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.
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.
At A Glance
Intro offer
No current offer
Annual fee
$95
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.
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.
Why you should trust creditcards.com
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.
Content published under this author byline is generated using automation technology.
A dedicated team of CreditCards.com editors oversees the automated content production process — from ideation to publication. These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience.
Editorial integrity is central to every article we publish. Accuracy, independence and authority remain as key principles of our editorial guidelines. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com.
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