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.