Credit Cards for Fair/Average Credit

If you have fair credit, you have access to a wide range of credit cards, including many rewards cards. And finding the right card can help you continue to build your credit history and improve your score. Not sure which card is best for your credit? A great place to start is our credit card home, where you can find our card categories and a link to our CardMatch tool.

See offers from our partners below.

Apply Now Credit Needed
Average, Fair, Limited
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
Apply Now at Capital One's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
24.99% (Variable)
Annual Fee
$39
Credit Needed
Average, Fair, Limited

Discover it® Cashback Match™

Discover it® Cashback Match™

25,774 customer reviews

Apply Now Credit Needed
Excellent/Good
  • Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com, or wholesale clubs up to the quarterly maximum each time you activate.
  • Earn 1% cash back on all other purchases.
  • Intro Offer: Discover will match all the cash back earned at the end of your first year, automatically.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • Use your rewards instantly at Amazon.com checkout.
  • No annual fee.
Apply Now at Discover's
secure site
Purchases Intro APR
0% for 14 months
Balance Transfers Intro APR
0% for 14 months
Regular APR
13.24% - 24.24% Variable
Annual Fee
$0
Credit Needed
Excellent/Good
See Rates & Fees

Capital One® Platinum Credit Card

Apply Now Credit Needed
Average, Fair, Limited
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • 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 strengthen your credit for the future with responsible card use
Apply Now at Capital One's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
24.99% (Variable)
Annual Fee
$0
Credit Needed
Average, Fair, Limited

Credit One Bank® Platinum Visa® with Cash Back Rewards

Credit One Bank® Platinum Visa® with Cash Back Rewards

2,446 customer reviews

Apply Now Credit Needed
Fair Credit
  • Seeing if you Pre-Qualify is fast, easy, and secure
  • Get 1% cash back rewards on eligible purchase, terms apply
  • Rewards post automatically to your account each month.
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • With $0 Fraud Liability, you won't be responsible for unauthorized charges
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Enjoy exclusive offers available to Credit One Bank card members through Visa® Discounts.
  • Your card includes travel accident and auto rental collision insurance from Visa®
Apply Now at Credit One Bank's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 25.24% Variable
Annual Fee
$0 - $99
Credit Needed
Fair Credit

Chase Slate®

Chase Slate®

5,812 customer reviews

Apply Now Credit Needed
Excellent/Good
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • See monthly updates to your FICO® Score and the reasons behind your score for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
Apply Now at Chase's
secure site
Purchases Intro APR
0% Intro APR on Purchases for 15 months
Balance Transfers Intro APR
0% Intro APR on Balance Transfers for 15 months
Regular APR
16.24% - 24.99% Variable
Annual Fee
$0
Credit Needed
Excellent/Good

Milestone® Gold Mastercard®

Apply Now Credit Needed
Good/Fair
  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
  • Free online account access
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK
Apply Now at Genesis FS Card Services's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
23.90%
Annual Fee
$35-$99 (varies by credit level)
Credit Needed
Good/Fair

Credit One Bank® Unsecured Platinum Visa®

Apply Now Credit Needed
Fair Credit
  • Enjoy peace of mind with $0 Fraud Liability
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back on eligible purchases, terms apply
  • Enjoy more buying power with credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • View updates to your Experian credit score with free online access, terms apply
Apply Now at Credit One Bank's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 25.24% Variable
Annual Fee
$0 - $99
Credit Needed
Fair Credit

Indigo® Platinum Mastercard®

Apply Now Credit Needed
Fair Credit
  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
Apply Now at Genesis FS Card Services's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
23.90%
Annual Fee
$0 - $99
Credit Needed
Fair Credit

Credit One Bank® Platinum Visa® for Rebuilding Credit

Credit One Bank® Platinum Visa® for Rebuilding Credit

2,446 customer reviews

Apply Now Credit Needed
Fair Credit
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Receive opportunities for credit line increases, a fee may apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
Apply Now at Credit One Bank's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
N/A
Regular APR
17.24% - 25.24% Variable
Annual Fee
$0 - $99
Credit Needed
Fair Credit

Disabled American Veterans USAA Rewards™ Visa Signature® Card

Apply Now Credit Needed
Excellent, Good, Fair
  • With this card, you can help DAV empower veterans to lead high-quality lives with respect and dignity. USAA Bank will contribute to DAV when you open an account, make eligible purchases and keep an active account.
  • Get 2,500 Bonus Points after your first purchase.
  • Start earning 1 point for every $1 spent for all your every day purchases.
  • Redeem points for 1% cash back or use them to purchase travel, gift cards and merchandise. You can also redeem your points and donate to your favorite military affiliate group.
  • Redeem your rewards points anytime on usaa.com or from your mobile phone — with no redemption fee.
  • Enjoy no cap or expiration date on points.
  • Enjoy no foreign transaction fees when you travel outside of the United States
  • Rates and Fees
Apply Now at USAA's
secure site
Purchases Intro APR
N/A
Balance Transfers Intro APR
0% for 12 months
Regular APR
12.15% to 27.15% Variable
Annual Fee
$0
Credit Needed
Excellent, Good, Fair

Comparing Credit Card Offers for Fair Credit

Updated: February 13, 2018

CreditCards.com's best credit cards for fair/average credit are...

Fair credit may not be the best of credit, but there’s hope. With the average VantageScore at 675, that’s right in the middle of what the scoring model deems fair or what is sometimes called average. With fair credit, you can build your score, earn some rewards and develop good financial habits. Here, we look at:

Here, we look at:

  • What is fair/average credit?
  • How to build up credit quality
  • How to make the most out of a card that requires fair credit

Not sure what to expect? We’ll share how to build credit and how to maximize your fair credit card:

What is fair credit?

Fair FICO credit is considered 580-669 on a scale of 300-850, with 850 as the best. VantageScore calls fair 650-699, with the same scale. But what does this mean? According to credit bureau Experian, the average VantageScore is 675; typically anything over 700 is considered good. With a fair score, you can get moderately acceptable lending products.

How to build up credit quality

  • Get a credit card. The easiest and fastest way to build credit is with a credit card, provided the card issuer reports your good credit habits to the major credit bureaus.
  • Use it correctly. Spend a little on the card each month, paying it in full and on time.
  • Stay consistent. The best thing you can do for your credit is to manage your accounts correctly month after month, avoiding late payments as much as possible.
  • Take out a credit-builder loan. One way to push your credit a bit is to take out an installment loan, which is a loan that you pay a set amount each month for a set amount of time. Credit-builder loans, which typically have low loan amounts, can be installment loans and are good for someone with limited credit.
  • Take out one card at a time. When you are ready to take out a card with better credit (and better rewards), apply for one at a time and research the card to ensure that you have a high chance of getting it.

How to make the most out of a card that requires fair credit

  • Use your card to build credit. The most important aspect of using a card that requires fair or average credit is that you can build your credit with it, which will grant you access to better lending products.
  • Keep your utilization ratio low. By keeping your card balance low, you keep your utilization ratio low, which is your balance by your available credit.
  • Look for a card without an annual fee. By taking out a card with no annual fee, you minimize the costs incurred with card membership.
  • Practice with rewards. Cards for fair or average cards will sometimes have rewards, such as 1% back on all purchases. This is a good way to practice for getting a rewards card down the road. Make sure you don’t carry a balance, because interest charges will negate your rewards.
  • Don’t close your old card. Once your credit score has risen to the point that you can apply for a better card, don’t close or stop using your card for fair credit. By continuing to use it, as least for small charges, you keep the account active, continuing to build credit with it, and you increase your available credit.

Recap: the best credit cards for fair/average credit

Best ForCardAnnual Fee
Flat-Rate RewardsCapital One® QuicksilverOne® Cash Rewards Credit Card$39
Cash Back VarietyDiscover it® Cashback Match™$0
No Annual FeeCapital One® Platinum Credit Card$0
1% Cash BackCredit One® Platinum Visa® Cash Back Rewards Credit Card$0
0% Intro APRChase Slate®$0
Pre-Qualification AvailableMilestone® Gold Mastercard®$35 - $99
No Deposit RequiredCredit One Bank® Unsecured Platinum Visa®$0 - $99
Fraud CoverageIndigo® Platinum Mastercard®$0 - $99
Building CreditCredit One Bank® Platinum Visa® for Rebuilding Credit$0 - $99
Intro Bonus PointsDisabled American Veterans USAA Rewards™ Visa Signature® Card$0

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