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Credit Cards for Fair Credit

If you don’t have a long credit history or are rebuilding your credit after some minor credit problems, these credit cards for fair or limited credit offer a combination of better terms and a higher chance of approval.

Credit Needed: Average, Fair, Limited

  • 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
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Regular APR Annual Fee
N/AN/A N/AN/A 24.99% (Variable) $0

Credit Needed: Average, Fair, Limited

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
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0% intro on purchasesuntil November 2016 0% intro on balance transfersuntil November 2016 23.24% (Variable) $39

Milestone Gold MasterCard®

Great For: See if you're prequalified without affecting your credit

Credit Needed: Fair/Good

  • 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
  • *Dependent on credit worthiness
  • See additional Milestone Gold MasterCard® details
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N/A N/A N/A N/A 23.9% $35 - $99*

Credit One Bank® Rewards Card

Great For: Unlimited 1% cash back on gas and groceries (terms apply)

Credit Needed: Fair

  • See if you're Pre-Qualified in less than 60 seconds
  • Zero fraud liability protects you from unauthorized charges
  • Earn unlimited 1% cash back on gas and grocery purchases, terms apply
  • Rewards post to your account automatically each month
  • Pick your payment due date to fit your schedule
  • Free online monthly credit score tracking included
  • Email or text alerts to remind you when your payment is due
  • Automatic reviews for credit line increase opportunities
  • Choose your card design from our premium gallery, fee applies
  • *See Card Terms & Conditions for Details
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N/A N/A N/A N/A 18.15% - 24.15% Variable $35 - $99

Credit Needed: Fair

  • 2X points on purchases for gas, groceries and utilities
  • 1X points on all other purchases
  • No annual fee
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n/an/a n/an/a 25.24%* Variable $0

Credit Needed: N/A

  • Find card offers you may be eligible for without affecting your credit score
  • Get matched to features you want like low intro rates, cash back or miles, and more
  • See your card matches in less than 60 seconds
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See TermsSee Terms See TermsSee Terms See Terms See Terms

Credit Needed: Fair

  • We'll DOUBLE all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202—Automatically. Only for new cardmembers.*
  • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
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0%6 months 10.99%6 months 13.24% - 22.24% Variable* $0

About Credit Cards for Fair Credit

The key to good credit is managing your credit well.  If you don’t have a long credit history, or you are recovering from a minor credit problem like late payments or years of high credit card balances, you will need to prove to the credit bureaus that you can be trusted with a line of credit. Until you show them that you are responsible, they have no way to assess your credit risk.

These credit cards for fair credit offer a way for you to begin to build (or rebuild) your credit score. They offer favorable terms and a higher chance of approval for people with credit scores in the 500–600 range. Once you have your new card, it is important to begin making small purchases on a monthly basis to expedite the building of your credit (and remember to pay the card off in full at the end of the month).