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Credit Cards for Fair Credit – Credit Cards for Average Credit Credit Cards for Fair Credit

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on Capital One's secure site

Capital One® QuicksilverOne® Cash Rewards Credit Card

 

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Over the Past 60 Days!

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  • Rewards Rate

    Unlimited 1.5% Cash Back

  • No Limits or Restrictions

    No rotating categories, cash back won't expire for the life of the account and no limit to how much you can earn

  • Regular Purchase APR

    24.99% (Variable)


  • Typical Credit Needed

    500

    600

    700

    850

  • Annual Fee

    $39

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 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
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on Discover's secure site

Discover it® Cashback Match™

 

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Over the Past 60 Days!

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  • Cashback Match™

    Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*

  • EARN

    Up to 5% cash back in bonus categories, 1% on everything else*

  • Redeem

    Any amount, any time. Cash back rewards never expire*


Highlights

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • You could turn $150 into $300 with Cashback Match™. Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like gas stations, Amazon.com, restaurants, wholesale clubs and more, up to the quarterly maximum each time you activate. Plus, 1% cash back on all other purchases.
  • Redeem your cash back for any amount, any time. Cash rewards never expire.
  • 100% U.S. based customer service.
  • Get your FICO® Credit Score for free on monthly statements, on mobile and online.
  • No annual fee.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

See additional details for Discover it® Cashback Match™

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on Capital One's secure site

Capital One® Platinum Credit Card

 

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Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Credit Line Increase

    Access a higher credit line by making first 5 monthly payments on time

  • Annual Fee

    Pay no annual fee

  • Regular Purchase APR

    24.99% (Variable)


  • Typical Credit Needed

    500

    600

    700

    850

  • Annual Fee

    $0

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • 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

See additional details for Capital One® Platinum Credit Card

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on Discover's secure site

Discover it® for Students

 

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Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Intro Purchase APR

    0% for 6 Months*

  • Rewards Rate

    Up to 5% cash back in bonus categories, 1% on everything else*

  • Exclusive Bonus Offer

    Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*


Highlights

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • Earn 5% cash back in rotating categories each quarter like Amazon.com, restaurants, ground transportation and more, up to the quarterly maximum each time you activate.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

See additional details for Discover it® for Students

Apply Now

on Discover's secure site

Discover it® chrome for Students

 

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Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Intro Purchase APR

    0% for 6 Months*

  • Bonus Rewards

    Up to 2% cash back at gas stations & restaurants, 1% on everything else*

  • Exclusive Bonus Offer

    Get a dollar-for-dollar match of all the rewards you've earned at the end of your first year, automatically*


Highlights

  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter - no sign-ups needed. 1% cash back on all your other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & your FICO® Credit Score for free on monthly statements, on mobile and online.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.99% - 22.99%.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

See additional details for Discover it® chrome for Students

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on Discover's secure site

Discover it® Secured Card - No Annual Fee

 

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Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Cash Back Rewards

    Up to 2% cash back at gas stations & restaurants, 1% on everything else*

  • Credit Limit

    Credit line will equal your security deposit of $200 or more*

  • Rates and Fees

    No annual fee, no late fee on your first late payment. No penalty APR*


Highlights

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use.
  • Your Secured Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit.
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit.
  • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Plus, 1% cash back on all your other purchases.
  • Get a dollar-for-dollar match of all the cash back you’ve earned at the end of your first year, automatically.
  • New! Free Social Security Number alerts, we’ll monitor thousands of risky websites when you sign up.*
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Apply Now

on Genesis Bankcard Services's secure site

Milestone® Gold MasterCard®

 

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  • MasterCard Gold Benefits

    Accepted Worldwide and $0 Fraud Liability

  • Customize Your card

    Choose a design from our premium gallery

  • Regular Purchase APR

    23.9% variable


  • Typical Credit Needed

    500

    600

    700

    850

  • Annual Fee

    $35-$99, depending on creditworthiness*

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • Free online account access

See additional details for Milestone® Gold MasterCard®

Apply Now

on Capital One's secure site

Capital One® Spark® Classic for Business

 

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Your Rating:

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Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate

    Earn 1% cash back on all purchases

  • Extra Perks

    No foreign transaction fees & complimentary fraud coverage

  • Regular Purchase APR

    23.99% (Variable)


Highlights

  • Click "APPLY NOW" to apply online
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
Apply Now

on Capital One's secure site

Journey® Student Rewards from Capital One®

 

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Over the Past 60 Days!

(0) Over the Past 60 Days!
  • Rewards Rate

    Earn 1% cash back on all purchases

  • Bonus Cash Back

    Earn 25% bonus on cash back you earn each month you pay on time

  • Credit Limit Increase

    Higher credit line after 5 on-time monthly payments


Highlights

  • Click "APPLY NOW" to apply online
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Credit Card Offers for Fair Credit

If you have fair credit, or have had some credit history dings or other problems but are not yet in the bad credit category, then you should be able to apply for and get an a credit card for fair credit. Those with bad credit generally have no choice but to apply for a secured or prepaid card, but in your case having average or fair credit qualifies you to be responsible for adhering to a credit limit and carrying a balance over from one month to the next if you decide to do that. That also means that you’ll have a great chance to improve your credit score and credit history – which will entitle you to even better rates, credit cards, and cardholder privileges.

It’s a good idea to shop for a good credit card with the most manageable fees and interest rates, because that will make it much easier for you to manage your budget and card payments. Cards with no annual fee, for example, are cheaper – and so are ones that have a lower APR. Use the info in the reviews in this section – and crunch the numbers using this site’s credit card calculators and other tools – to help you make a wise pick of the best credit cards for fair credit. FICO ranges for fair or average credit typically range from 620 to 680.

Try to use not more than 25-30% of your allowed limit each month, because that will look better on your credit report. Soon you may be offered a higher credit limit and as your credit score rises from fair to good it will be possible to shop for even more attractive and competitive interest rate card.

Disclaimer: FICO scores are used to represent the creditworthiness of a person and may be one indicator of the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.

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Picture of Ronnie Burnell

By: | Sep 11, 2017

Thank you for the information, that is nice

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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