Credit cards for fair/average scores

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CK Editors’ Tips††: If you have fair or average credit, you’ll probably have the chance to continue to build your credit while also benefitting from rewards and other useful card features. While you likely won’t yet qualify for the most lucrative rewards cards on the market, there are options out there.
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What to consider when choosing a credit card for fair credit
It can be difficult to find a credit card when you have fair credit because not all issuers advertise what kind of credit you need to qualify for a particular card. But some do, so watch out for any cards that note fair or average credit as a standard for approval. Otherwise, it may be helpful to find credit marketplaces and articles (like those on Credit Karma) that classify specific cards as right for this credit band — those sources are more likely to rely on accurate information than rumors.
How we picked the best credit cards for fair credit
Finding a credit card for fair or average credit can feel like a guessing game, so we made our picks from cards that we could confirm were targeted at people with fair credit. Issuers don’t always make this information readily available, so we made our picks from cards that specifically advertise this feature or that allow themselves to be displayed as an option for people with fair credit on Credit Karma’s marketplace. Read more about our methodology for picking the best credit cards.
Jump to editors’ picks

Great for earning rewards while building credit††
Great for earning rewards while building credit††

Capital One QuicksilverOne Cash Rewards Credit Card

  • Rewards rate

    1.5% - 5%
    Cash back
  • Annual fee

    $39
Rewards rate

1.5% - 5% Cash back

Annual fee

$39

Great for building your credit history††
Great for building your credit history††

AvantCard

  • Regular purchase APR

    28.24%*
    Variable
  • Annual fee

    $39
Regular purchase APR

28.24%* Variable

Annual fee

$39

Credit One Bank® Platinum Visa® for Rebuilding Credit

  • Rewards rate

    1%
    Cash back
  • Annual fee

    $75 for the first year, $99 thereafter
Rewards rate

1% Cash back

Annual fee

$75 for the first year, $99 thereafter

Milestone® Mastercard®

  • Regular purchase APR

    24.90%
  • Annual fee

    $75 the first year; $99 thereafter
Regular purchase APR

24.90%

Annual fee

$75 the first year; $99 thereafter

Capital One Platinum Credit Card

  • Regular purchase APR

    26.99%*
    Variable
  • Annual fee

    $0
Regular purchase APR

26.99%* Variable

Annual fee

$0

Great for people working on their credit††
Great for people working on their credit††

Indigo® Mastercard®

  • Regular purchase APR

    24.90%
  • Annual fee

    $75 the first year; $99 thereafter
Regular purchase APR

24.90%

Annual fee

$75 the first year; $99 thereafter

Great for building credit††
Great for building credit††

Merrick Bank Secured Credit Card

  • Regular purchase APR

    19.70%*
    Variable
  • Annual fee

    $36 the first year. Billed $3 per month thereafter
Regular purchase APR

19.70%* Variable

Annual fee

$36 the first year. Billed $3 per month thereafter

Discover it® Student Cash Back

  • Rewards rate

    1% - 5%
    Cash back
  • Annual fee

    $0
Rewards rate

1% - 5% Cash back

Annual fee

$0

Discover it® Student chrome

  • Rewards rate

    1% - 2%
    Cash back
  • Annual fee

    $0
Rewards rate

1% - 2% Cash back

Annual fee

$0

Destiny™ Mastercard®

  • Regular purchase APR

    24.90%
  • Annual fee

    $75 First Year, $99 every year thereafter
Regular purchase APR

24.90%

Annual fee

$75 First Year, $99 every year thereafter

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†† The opinions you read here come from our editorial team. Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.