10 Best Credit Cards For Fair Credit

 Credit cards can be a great way to build your credit score, but it's important to choose the right card for your situation. The best credit card for you will depend on several factors, including your personal financial situation and what you plan to spend money on. If you're looking for a new credit card and have fair or poor credit, here are 10 great options that may help improve your scores:

1. Capital One Platinum Credit Card

The Capital One Platinum Credit Card is a good choice for those who want to build some credit and get a rewards card that doesn't charge an annual fee. It offers a sign-up bonus of $200, which is enough to cover your first payment on the card (assuming you pay it off in full by the end of the billing cycle).

The APR is 24.9%, which isn't all that bad when compared with other cards like American Express Blue Cash Everyday or Chase Slate. However, if you're not sure about paying off your balance in full each month—or even just making payments on time—this one might not be right for you.

2. Capital One QuicksilverOne Cash Rewards Credit Card

The Capital One QuicksilverOne Cash Rewards Credit Card is one of the best cards on our list because it offers a lot of perks and benefits, but also doesn’t have an annual fee.

This card has no annual fee, which means you don’t have to pay anything when applying for it—and if you get approved for this card, you can use it right away!

What sets this credit card apart from others? The 1.5% cash back is earned on all purchases made with your Capital One QuicksilverOne Cash Rewards Credit Card (up from 1%). It also comes with zero percent intro APR for 9 months after account opening (which means there's no interest).

You'll also be able to redeem these rewards anytime without any fees or restrictions by using them in one of the following ways: cash back; travel rewards; gift cards; Amazon Prime membership ($50 value)

3. Discover it Secured Credit Card

The Discover it Secured Credit Card has no annual fee and no security deposit required. It's a great option for people who want to earn rewards but don't have the best credit score. These cards usually offer a range of benefits, including cash back or travel rewards on purchases with specific merchants like restaurants, gas stations and drugstores.

The interest rate on your card is variable based on your credit score at the time of application, but it's typically low (around 14%). The card also offers:

  • Rewards program - OpenTable Dining Club membership is included as well as two percent cash back on all other purchases made using your card within 90 days of opening its account; one point per dollar spent when dining out using this benefit; 20% off spa services at any participating health club location nationwide; 20% off travel purchases made through airfare or hotel reservations booked directly through whichever airline or hotel chain you choose; access to exclusive offers from select retailers such as Sephora beauty retailer which offers free shipping over $50 USD value etc.; insurance against unauthorized charges like identity theft protection plan available at no additional cost

4. Journey Student Rewards from Capital One

  • No annual fee, good for students with fair credit.

  • Rewards program that rewards you for using your card.

  • Good for building credit, if you have a bad score and want to improve it.

5. BankAmericard Credit Card

  • No annual fee.

  • No foreign transaction fees.

  • Online account management is easy to use and convenient, with a mobile app that you can download for free on your phone or tablet. The app will let you check your balances and manage your credit line at any time, even if the website isn’t working at the moment!

  • After 6 months of on-time payments (or $5,000 total), BankAmericard will increase your credit limit by up to 5% when making purchases with this card and 0% interest for 12 billing cycles on purchases and balance transfers (with no annual fee). This means that if you have been paying off high-interest debt in order to reduce monthly payments, this card could help lower those costs by giving additional cash back rewards during each cycle—and it doesn't matter what kind of purchase was made; there are no minimums whatsoever!

6. Capital One Secured Mastercard

The Capital One Secured Mastercard is a secured card. This means you must put down some money in order to get approved for it and your credit limit is limited. If you don't make payments on time, the account will be reported as delinquent and you'll have to pay off the balance before getting another chance at getting approved for this card again.

The APR for this card ranges from 14% - 24%, depending on your creditworthiness; however, there are no annual fees or foreign transaction fees associated with using this product.

7. Petal Visa Credit Card

The Petal Visa Credit Card is a rewards card that is good for people with fair credit. This is because the annual fee is waived, so you can get your money's worth out of this card by earning rewards. Plus, the interest rate on this secured credit card has been reduced to 0 percent APR (annual percentage rate).

The Petal Visa Credit Card has great perks like:

  • No annual fee

  • 1 point per $1 spent at businesses where they accept Visa or MasterCard as payment; 2 points at grocery stores; 3 points on all other purchases; 1 mile per $1 spent on travel purchases within the U.S., Canada and Puerto Rico; 1 mile per $1 spent on airline tickets booked through American Airlines or US Airways

8. Indigo Platinum Mastercard

Indigo Platinum Mastercard is a good credit card for fair credit. Cardholders earn rewards on purchases, including travel benefits and fraud protection. The card also offers access to roadside assistance and trip interruption insurance, which can be helpful if you ever have issues while traveling.

9. OpenSky Secured Visa Card

This card is ideal if you have fair credit and want to rebuild your score. The annual fee is only $25, which is lower than many other cards in its category. It has a low APR of 12.99% and rewards program that earns 1% cash back on every purchase, plus an additional 1% for referring friends or family who also sign up for the card.

The OpenSky Secured Visa Card has a cash advance feature that allows you to withdraw up to $1,000 from your bank account each month without paying any interest at all (as long as it's used within 60 days).

10. Applied Bank Secured Visa Gold Preferred Credit Card

The Applied Bank Secured Visa Gold Preferred Credit Card comes with a $200 bonus if you spend $500 in 90 days. There's no annual fee and its variable interest rate is 17.99%—but that doesn't mean it's too high. This card can be used anywhere Visa is accepted, so it's great if you're traveling or want to use your card abroad without worrying about foreign transaction fees.

It also has some other benefits: Earn 1 point on every dollar spent at hotels or resorts; Earn 2 points on every dollar spent at restaurants; Earn 3 points on every dollar spent at gas stations and grocery stores (up to $1000/month); Redeem points for gift cards from retailers like Amazon, iTunes, American Airlines and more!

Determine which credit card is best for your fair credit score

As you search for the best credit card for your fair credit score, it’s important to be aware of some terms and conditions. The first thing to consider is whether or not the rewards program will be beneficial to you. Some cards offer cash back on purchases, while others may offer points that can be used towards flights or other travel expenses (or even gift cards). You should also look into how much interest charges are on this particular card—some charge low APRs while others charge higher ones; this depends on what kind of loan you take out with them! Finally, determine whether or not there are any foreign transaction fees associated with either type of purchase—these usually apply if buying things outside of America because they don't want us spending our money elsewhere too often!


With the above list of credit cards, you can now determine which one is best for your fair credit score. You will be able to get the maximum benefit from your new card without causing any damage to your financial situation or credit score.

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