Credit Cards for Fair Credit

These credit cards are for people that have fair credit. Our objective opinion is included on each card. Each card below contains our editor’s rating and objective opinion. Most of the credit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion. FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card.
There are serious pros and cons to be considered when evaluating a credit card designed for fair credit.Some of the pros are that these cards offer individuals with less than perfect credit a strong option for having a day to day credit card. Most of these cards also report to the major credit bureaus, so with responsible use, can help you build your credit score. Unlike cards for good or excellent credit, these cards often have higher fees and less perks. Banks are taking a higher risk on individuals with fair credit, so they expect to be compensated accordingly.
You should truly only apply for a credit card designed for fair credit if you do indeed have fair credit. Those with less than fair credit (poor credit or limited/no credit) should apply for cards specifically designed for their situation. The chances of being approved for a card for fair credit if you are in those credit profiles is slim. On the contrary, those with good or excellent credit should step up and apply for one of those cards, as they will get more benefits and features and generally lower fees and interest rates.
LowCards is a top credit card comparison website which offers a wide array of credit cards depending on your exact credit profile and credit card needs. It's important to choose the right card for your credit profile, and within those cards, choose the right card based on your anticipated usage and what benefits you value most. Each card on LowCards will include the credit profile it is designed for, interest rates, fees, and other information to help you choose the right card for your needs.
Best Card Features: All credit types welcome to apply!
  • See if you’re 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)
  • Regular APR
    See Terms*
  • Intro APR
    N/A
  • Annual Fee
    See Terms*
  • cdm-card

    Fair Credit

Best Card Features: Reports to all three credit bureaus, perfect credit not required for approval
  • Build up your credit with a card that reports to all three major credit bureaus every month.
  • You may be eligible for a Credit Line Increase after six months
  • Perfect credit not required for approval; we may approve you when others won’t
  • Regular APR
    *See Terms
  • Intro APR
    *See Terms
  • Annual Fee
    *See Terms
  • cdm-card

    Bad Credit

Best Card Features: Reports to major credit bureaus; 24/7 account access; no security deposit needed
  • Easy pre-qualification process with fast response
  • Don’t have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!
  • Regular APR
    24.90%
  • Intro APR
    N/A
  • Annual Fee
    $0 - $99
  • cdm-card

    Fair Credit

Best Card Features: Monthly reporting to the three major credit bureaus
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Regular APR
    See Terms*
  • Intro APR
    N/A
  • Annual Fee
    See Terms*
  • cdm-card

    Fair Credit

Best Card Features: Perfect credit not required; Reports to major credit bureaus
  • Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Regular APR
    See Terms*
  • Intro APR
    N/A
  • Annual Fee
    See Terms*
  • cdm-card

    Bad Credit

Best Card Features: Pre-qualification doesn't impact credit score; previous bankruptcy is okay; reports to major credit bureaus
  • Instant pre-qualification is available for those who qualify
  • Less than perfect credit is okay
  • Access your account online or from your mobile device 24/7
  • Regular APR
    24.90%
  • Intro APR
    None
  • Annual Fee
    $35 - $99*
  • cdm-card

    Fair Credit

Best Card Features: Reports to major credit bureaus; initial credit limit of $400; fast application process with results in seconds
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00!* (subject to available credit)
  • Regular APR
    See Terms*
  • Intro APR
    N/A
  • Annual Fee
    See Terms*
  • cdm-card

    Bad Credit

Best Card Features: Previous bankruptcy is okay; reports to major credit bureaus; less than perfect credit histories can qualify
  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Regular APR
    24.90%
  • Intro APR
    N/A
  • Annual Fee
    $0 - $99
  • cdm-card

    Fair Credit

Credit cards for fair credit are specifically designed for individuals between poor credit and good credit.  These cards typically don’t have as many features or benefits as cards designed for good and excellent credit, but have far more features and less fees than those designed for poor credit.

These cards are designed to be a next natural “stepping stone” as consumers work to build their credit.  Most if not all of the fair credit offers on LowCards report to the major credit bureaus.  With responsible, consistent use and when paid on time, this will help increase your credit profile and score.  Over time as your score increases, you will be eligible to apply for a card designed for good or even excellent credit.

These cards should be utilized monthly, and we then recommend paying off the balance in full and on time.  This practice will help not incur any interest penalties, and the timely payments can help you raise your credit score.

Are all the cards listed for fair credit trustworthy?

100%.  All of the cards listed on LowCards in the fair credit category or, for that matter, any category are issued by 100% trustworthy banks and institutions.  Many of the cards for fair credit are issued from well known banks like Capital One, Credit One, and others.  However many of the offers may be from smaller or regional banks that most consumers are not familiar with.  These cards are just as trustworthy and bear the Mastercard or Visa logo, meaning they are part of those networks and accepted anywhere those cards are accepted.

Similarly, all applications on LowCards securely direct you right to the application page on the issuer’s website.  Your data and security are our #1 priority, and all the offers we list utilize proper security techniques when handling your information.

How should I find the right card for me?

If you have fair credit, any of the cards listed on this page are designed for you!  Our editors have listed the cards in order of their opinion, meaning the cards towards the top tend to offer the best combination of fees, features and benefits.

Cards for fair credit almost always report to the major credit bureaus and offer some additional features such as fraud protection. Some even offer rewards or cash back programs.  Be sure to read the terms and conditions for each card when comparing to find the right combinations of features for your unique credit card needs.

If I have fair credit, can’t I just apply for any card?

No.  Your chances of being approved for a credit card designed for excellent or even good credit are very slim if you only have fair credit.  Credit card companies design cards specifically based on credit profiles and the amount of risk they are willing to take.  If your credit score falls in the fair credit range, it’s important you apply for a credit card designed for that credit profile.  Otherwise, you are applying for a card that you likely won’t be approved for, and this practice may actually lower or hurt your credit score to some degree.

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