Rated 4/5 stars by our editorial team
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3.8/5.0 from 4 Offer Ratings
Over the Past 60 Days!
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Rewards Rate
Unlimited 1.5% Cash Back
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No Limits or Restrictions
No rotating categories, cash back won't expire for the life of the account and no limit to how much you can earn
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Regular Purchase APR
26.96% (Variable)
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Typical Credit Needed
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Annual Fee
$39
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- 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
See additional details for Capital One® QuicksilverOne® Cash Rewards Credit Card
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Build Your Credit
Monthly reporting to the three major credit bureaus
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Perks and Features
Auto Pay can help you stay on top of your bill
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Worldwide Acceptance
Use your card anywhere that accepts Mastercard®
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- No Annual Fee, and unlike a prepaid card, it helps build credit history with monthly notifications to the credit bureaus
- A security deposit is required for this product (minimum $200)
- Pay your bill on time every month to avoid damaging your credit. Citi can help keep you on track with Auto Pay, online Bill Pay and alerts.
- Use the card anywhere Mastercard® is accepted — worldwide
See additional details for Citi® Secured Mastercard®
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Credit Line Increase
Access a higher credit line by making first 5 monthly payments on time
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Annual Fee
Pay no annual fee
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Regular Purchase APR
26.96% (Variable)
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- 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
See additional details for Capital One® Platinum Credit Card
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Apply Online
Fast and easy application process
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No Hidden Fees
No deposit required and no penalty APR
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Build Credit
Reports to all three major credit bureaus
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Typical Credit Needed
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Annual Fee
$29
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Card Brand
Mastercard®
Highlights
- Fast and easy application process
- No deposit required
- No hidden fees
- No penalty APR
- Report to all three major credit bureaus
- 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 additional details for AvantCard Credit Card
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Rewards Rate
1% on eligible purchases, terms apply
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Reports to Credit Bureaus
Build credit when used responsibly
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Regular Purchase APR
20.24% - 26.24% Variable
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Typical Credit Needed
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Annual Fee
$0-$99
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Enjoy peace of mind with $0 Fraud Liability
- Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
- View updates to your Experian credit score with free online access, terms apply
- Make paying your bill easier with the ability to choose your payment due date, 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
- Show off your personality by selecting from a variety of card designs, a fee may apply
See additional details for Credit One Bank® Visa® with Free Credit Score Tracking
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Credit Monitoring
Free online monthly credit tracking
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Rewards Rate
1% on eligible purchases, terms apply
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Regular Purchase APR
20.24% - 26.24% Variable
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Typical Credit Needed
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Annual Fee
$0-$99
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Seeing if you Pre-Qualify is fast, easy, and secure
- Get 1% cash back rewards on eligible purchase, terms apply
- Rewards post automatically to your account each month
- Looking for more credit? Get credit line increase opportunities, a fee may apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Pick a card that fits your style. Multiple card designs are available, a fee may apply
- Enjoy exclusive offers available to Credit One Bank card members through Visa® Discounts.
- Your card includes travel accident and auto rental collision insurance from Visa®
See additional details for Credit One Bank® Platinum Visa® with Cash Back Rewards
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Intro Purchase APR
0% for 6 Months*
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Rewards Rate
Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*
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Ongoing APR
15.24% - 24.24% Variable*
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Discover
Highlights
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.
- See Rates & Fees
See additional details for Discover it® Student Cash Back
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Mastercard Gold Benefits
Accepted Worldwide and $0 Fraud Liability
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Customize Your card
Pick from multiple card designs at no extra charge
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Regular Purchase APR
23.9% variable
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Typical Credit Needed
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Annual Fee
$35-$99, depending on creditworthiness*
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Easy pre-qualification process which does not affect your credit score
- Protection from fraud if your card is stolen
- Access your account online or from your mobile device 24/7
- All credit histories considered
- Pick from multiple card designs at no extra charge
- No security deposit required
See additional details for Milestone® Gold Mastercard®
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Rewards Rate
1% unlimited cash back on ALL purchases
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Extra Perks
Deserve will pay for Amazon Prime Student, get free Video, Music, and Reading (Up to a life-time total of $59)
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Boost Your Credit Score
Build a positive credit history with responsible use
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- For college students
- 1% unlimited cashback
- $0 Annual Fee
- Amazon Prime Student on Us (up to $59 lifetime total)
- Cellphone protection up to $600 when you pay your monthly phone bill with your Deserve Mastercard
- No Foreign Transaction Fees
- Personalized credit insights in the Deserve Mobile App
- No credit history or cosigner required. No SSN required for international students
See additional details for Deserve® Edu Mastercard for Students
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Intro Purchase APR
0% for 6 Months*
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Bonus Rewards
Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically.
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Ongoing APR
15.24% - 24.24% Variable*
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Discover
Highlights
- INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
- Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases - automatically.
- Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
- No annual fee. No late fee on first late payment. No APR change for paying late.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
- Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 15.24% - 24.24%.
- See Rates & Fees
See additional details for Discover it® Student chrome
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Cash Back Rewards
2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. 1% unlimited cash back on all other purchases.
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Credit Limit
Credit line will equal your security deposit of $200 or more*
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Rates and Fees
No annual fee, no late fee on your first late payment. No penalty APR*
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Discover
Highlights
- No Annual Fee, earn cash back, and build your credit with responsible use.
- It’s a real credit card. You can build a credit history with the three major credit bureaus. Generally, debit and prepaid cards can't help you build a credit history.
- Establish your credit line by providing a refundable security deposit from $200-$2500 after being approved. Bank information must be provided when submitting your deposit.
- Automatic reviews starting at 8 months to see if we can transition you to an unsecured line of credit and return your deposit.
- 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
- Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score
- We automatically match all the cash back you’ve earned at the end of your first year.
- Receive FREE Social Security number alerts-Discover will monitor thousands of risky websites when you sign up.
- See Rates & Fees
See additional details for Discover it® Secured
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Rewards Rate
Earn 1% cash back on all purchases
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Extra Perks
No foreign transaction fees & complimentary fraud coverage
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Regular Purchase APR
25.24% (Variable)
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Enjoy no annual fee
- Earn 1% cash back on every purchase, every day
- Build business credit with responsible use
- Fraud coverage if your card is ever lost or stolen
- No foreign transaction fees
- Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
See additional details for Capital One® Spark® Classic for Business
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Credit Card Offers for Fair Credit
If you have fair credit, or have had some credit history dings or other problems but are not yet in the bad credit category, then you should be able to apply for and get an a credit card for fair credit. Those with bad credit generally have no choice but to apply for a secured or prepaid card, but in your case having average or fair credit qualifies you to be responsible for adhering to a credit limit and carrying a balance over from one month to the next if you decide to do that. That also means that you’ll have a great chance to improve your credit score and credit history – which will entitle you to even better rates, credit cards, and cardholder privileges.
It’s a good idea to shop for a good credit card with the most manageable fees and interest rates, because that will make it much easier for you to manage your budget and card payments. Cards with no annual fee, for example, are cheaper – and so are ones that have a lower APR. Use the info in the reviews in this section – and crunch the numbers using this site’s credit card calculators and other tools – to help you make a wise pick of the best credit cards for fair credit. FICO ranges for fair or average credit typically range from 620 to 680.
Try to use not more than 25-30% of your allowed limit each month, because that will look better on your credit report. Soon you may be offered a higher credit limit and as your credit score rises from fair to good it will be possible to shop for even more attractive and competitive interest rate card.
Disclaimer: FICO scores are used to represent the creditworthiness of a person and may be one indicator of the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
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