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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. [Advertising Disclosure]

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
  • 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
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/AN/A N/AN/A 24.9% (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
  • 0% intro APR on purchases until May 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until May 2016
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0% intro on purchasesuntil May 2016 0% intro on balance transfersuntil May 2016 22.9% (Variable) $39

Barclaycard® Rewards MasterCard®

Great For: Rewards for spending on gas and groceries

Credit Needed: Fair

  • No annual fee
  • 2X cash back rewards on purchases for gas, groceries and utilities
  • 1X cash back rewards on all other purchases
  • Cash back rewards are earned as points which can be redeemed for rewards such as cash back statement credits and gift cards starting at 1,000 points for $10
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active cardmembers.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
N/A N/A N/A N/A 24.99%* 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
  • Find a card for where you are to help you prepare for what’s ahead
  • All Capital One cards come with fraud coverage if your card is lost or stolen
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone
  • Pick the monthly payment due date that works best for you
  • Pay the way you want - by check, online, or at a local branch
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
See TermsSee Terms See TermsSee Terms See Terms See Terms

Discover it® for Students

Great For: Helping students build good credit history.

Credit Needed: Fair

Average Approved Score: 641*

Lowest Approved Score: 243*

  • New! Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
  • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more -up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
  • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online.*
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • New! Double all the cash back you’ve earned at the end of your first year, automatically-only for new cardmembers.*
  • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
Intro APR
Purchases
Intro Term
Purchases
Intro APR
Balance Transfers
Intro Term
Balance Transfers
Regular APR Annual Fee
0%*6 Months 10.99%*6 Months 12.99% – 21.99%* 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 a higher chance of approval for people with credit scores in the 500-600 range and favorable terms. 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).

Related: How to build credit fast

Advertising Disclosure

Money Under 30 is an advertising-supported Website. Many of the card offers on this site are from companies from which Money Under 30 receives compensation, and we do not display all of the cards that may be available in the marketplace. Also, such compensation may affect how and where we display certain credit cards. This helps keep our content free, and if you choose to support us in this way, thanks!

*This credit score information is provided through a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, these approval metrics are only guidelines and approval is not guaranteed.

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