Credit Cards for Fair Credit
These credit cards are for people that have fair credit. Fair credit is generally described as having a credit score in the mid to high 600 range. 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.
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EDITOR RATING Best Card Features: No annual fee; access to higher credit line after making first 5 monthly payments on time
- 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
- Regular APR26.96% (Variable)
- Intro APRN/A
- Annual Fee$0
Fair Credit 640 - 699
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EDITOR RATING Best Card Features: 1.5% cash back on every purchase; access to higher credit line after making first 5 monthly payments on time
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- Get access to a higher credit line after making your first 5 monthly payments on time
- Regular APR26.96% (Variable)
- Intro APRN/A
- Annual Fee$39
Fair Credit 640 - 699
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EDITOR RATING Best Card Features: Reports to Consumer Reporting Agencies; quarterly FICO Score provided free on monthly statement
- Must have checking account to qualify
- Manage your account online 24/7 free of charge
- Track your progress. Your quarterly FICO Score is provided for free on your monthly billing statement
- Regular APRSee Terms*
- Intro APRN/A
- Annual FeeSee Terms*
Bad/Fair Credit 470 - 669
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EDITOR RATING Best Card Features: Reports to Consumer Reporting Agencies; quarterly FICO Score provided free on monthly statement
- Must have checking account to qualify
- Manage your account online 24/7 free of charge
- Track your progress. Your quarterly FICO Score is provided for free on your monthly billing statement
- Regular APRSee Terms*
- Intro APRN/A
- Annual FeeSee Terms*
Bad/Fair Credit 470 - 669
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EDITOR RATING 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 APR24.90%
- Intro APRN/A
- Annual Fee$0 - $99
Fair Credit 640 - 699
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EDITOR RATING 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 APRSee Terms*
- Intro APRN/A
- Annual FeeSee Terms*
Fair Credit 640 - 699
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EDITOR RATING Best Card Features: Rewards Program; See if you pre-qualify without affecting credit score
- Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
- Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app.
- Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
- Regular APR20.24%-26.24% Variable
- Intro APRN/A
- Annual Fee$0 - $99
Fair Credit 640 - 699
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EDITOR RATING Best Card Features: Qualified applicants will enjoy 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
- Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
- CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
- Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won’t be held responsible for unauthorized charges.
- Regular APR20.24%-26.24% Variable
- Intro APRN/A
- Annual Fee$0 - $99
Fair Credit 640 - 699
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EDITOR RATING Best Card Features: All credit types welcome to apply!
- 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 APRSee Terms*
- Intro APRN/A
- Annual FeeSee Terms*
Fair Credit 640 - 699
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EDITOR RATING Best Card Features: Available for businesses with average credit; no annual fee; 1% cash back on all purchases
- Enjoy no annual fee
- Earn 1% cash back on every purchase
- Build business credit with responsible use
- Regular APR25.24% (Variable)
- Intro APRN/A
- Annual Fee$0
Fair Credit 640 - 699
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EDITOR RATING Best Card Features: See if you pre-qualify without harming your credit score; 1% cash back on eligible purchases; 2% at NASCAR.com Superstore
- See if you Pre-Qualify without harming your credit score
- Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore, terms apply
- No need to fret—you’re covered by $0 Fraud Liability
- Regular APR20.24%-26.24% Variable
- Intro APRN/A
- Annual Fee$0 - $99
Fair Credit 640 - 699
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EDITOR RATING 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 APR24.90%
- Intro APRNone
- Annual Fee$35 - $99*
Fair Credit 640 - 699
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EDITOR RATING Best Card Features: No annual fee; earn 1% cash back on all purchases; pay on time to boost your cash back to 1.25% for that month
- 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
- Enjoy no annual fee and no foreign transaction fees
- Get a head start and build your credit with responsible use
- Regular APR26.96% (Variable)
- Intro APRN/A
- Annual Fee$0
Fair Credit 640 - 699
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EDITOR RATING 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 APRSee Terms*
- Intro APRN/A
- Annual FeeSee Terms*
Bad Credit300 - 639
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EDITOR RATING 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 APR24.90%
- Intro APRN/A
- Annual Fee$0 - $99
Fair Credit 640 - 699
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EDITOR RATING Best Card Features: No late fee, international fee or annual fee: $500 to $10,000 credit limits; no credit history necessary for approval
- Up to 1.5% cash back after making 12 on-time payments
- 1% cash back on all purchases – right away!
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
- Regular APR15.24% - 26.24% (variable)
- Intro APRN/A
- Annual FeeNone
Fair Credit 640 - 699
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