Credit Cards for Fair Credit
These are some of the most popular credit cards from our partners. We've outlined some key features along with what to like and what to look out for. You can also search all credit cards on Credit Karma for more options.
Featured Cards by Credit Score Updated: 4/1/2019 Advertiser Disclosure
Cards for Fair Credit (550-639)
Fair credit consumers are on the fence with most credit card issuers. Approvals tend to be based on your credit score and other factors such as income and credit card debt. If approved, most cards come with a small annual fee and a low credit limit. However small the credit limit, this is a great option if you have fair credit and can help you continue to improve your credit score. Below are our favorite cards for fair credit offered by our credit card partners.
- 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
- 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
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
- Help strengthen your credit for the future with responsible card use
- Get customized alerts and manage your account with the Capital One mobile app
- Double Cash Back: Earn 3% cash back on all purchases in your first year up to $20,000 spent. After that earn unlimited 1.5% cash back on all purchases.
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum. No Annual Fee
- Enjoy peace of mind with $0 Fraud Liability
- See if you Pre-Qualify in less than 60 seconds
- Receive 1% cash back rewards on eligible purchases, terms apply
- Automatic reviews for credit line increases give you opportunities to get even more credit
- Choose your monthly payment due date for added convenience, terms apply
- View updates to your Experian credit score with free online access, terms apply
- Access your account on-the-go with the Credit One Bank mobile app
- Never miss an account update with customizable text and email alerts
- 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
- Zero Liability – you’ll never be held liable for unauthorized charges made to your card
- Accepted at over 35 Million Locations Worldwide!
- Previous bankruptcy OK
- 0% Intro APR for 15 months from account opening on purchases and balance transfers, then a variable APR of 17.24-25.99%. Balance transfer fee is 3% of the amount transferred, $5 minimum. No annual fee
- Earn a $150 Bonus after you spend $500 on purchases in your first 3 months from account opening
- Earn 5% cash back on up to $1,500 in combined purchases in bonus categories each quarter you activate
- Unlimited 1% cash back on all other purchases
- Less than perfect credit histories considered, even with prior bankruptcy!
- Account history is reported to the three major credit bureaus in the U.S.
- Fast and easy decision on your application
- Access your account online or from your mobile device 24/7
- Protection from fraud, if your card happens to be lost or stolen
- Accepted at nationwide locations, wherever Mastercard is accepted
- Fast and easy application process
- We may periodically review your account for credit line increases
- Help strengthen your credit history with responsible use
- No hidden fees
- Use online banking to conveniently pay your card through our online portal, 24/7
- Zero fraud liability for unauthorized charges
- Avant branded credit products are issued by WebBank, member FDIC
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
- Double Your Line by making at least your minimum payment on time each month for the first 7 months your account is open. After you make your payments, the increase is automatic.
- Get your updated FICO® Score each month when it is provided to us from the credit bureau.
- $0 Fraud Liability protects you from unauthorized charges.
- Online and mobile Account Access.
- No Penalty Rates or Over Limit Fee.
- No annual fee, and all the credit building benefits with responsible card use
- Unlike a prepaid card, it builds credit when used responsibly, with regular reporting to the 3 major credit bureaus
- You will get an initial $200 credit line after making a security deposit of $49, $99, or $200, determined based on your creditworthiness
- Get access to a higher credit line after making your first 5 monthly payments on time with no additional deposit needed
- Easily manage your account 24/7 with online access, by phone or using our mobile app
- It's a credit card accepted at millions of locations worldwide
- 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
- Accounts are automatically reviewed for credit line increase opportunities
- Choose your monthly payment due date for added convenience, terms apply
- Monitor your credit with free online access to your Experian credit score, terms apply
- Looking to rebuild credit? We report to the major credit bureaus monthly
- Never miss an account update with customizable text and email
- Earn 2 miles per $1 on every purchase, everywhere
- Earn a one-time bonus of 50,000 miles – equal to $500 in travel – once you spend $4,500 on purchases within the first 3 months from account opening
- Fly on any airline, anytime, with no blackout dates or seat restrictions
- $0 intro annual fee for the first year; $95 after that
- $0 fraud liability if your card is lost or stolen
- Free employee cards which also earn unlimited 2x miles from their purchases
- No foreign transaction fees
- Miles won't expire for the life of the account and there's no limit to how many you can earn
- Earn unlimited 2% cash back for your business on every purchase, everywhere
- Earn a one-time $500 cash bonus once you spend $4,500 on purchases within 3 months from account opening
- $0 annual fee for the first year; $95 after that
- $0 Fraud Liability if your card is lost or stolen
- Free employee cards, which also earn unlimited 2% cash back on all purchases
- Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
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* See the online provider's credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.
† Credit Karma looks at how your credit profile compares to other Credit Karma members who were approved for this product. Of course, there's no such thing as a sure thing, but knowing whether your Approval Odds are Very Good, Good, Fair or Poor may help you narrow down your choices.
‡ Average score refers to the arithmetic mean and typical low score to the 5th percentile of, in each case, available VantageScore 3.0 credit scores provided by TransUnion of Credit Karma members who were approved for this product from October 2018 through March 2019. Average and typical approved scores are provided as guidelines only and approval is not guaranteed. You can learn more about credit card approval through our in-depth article.