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Credit Cards for Fair Credit – Credit Cards for Average Credit Credit Cards for Fair Credit

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on Credit One Bank's secure site

Credit One Bank® Visa® with Free Credit Score Tracking

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 10 Offer Ratings
Over the Past 60 Days!

(10) Over the Past 60 Days!
  • Rewards Rate

    1% on eligible purchases, terms apply

  • Reports to Credit Bureaus

    Build credit when used responsibly

  • Regular Purchase APR

    19.74% - 25.74% Variable


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0-$99

  • 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
Apply Now

on Avant's secure site

AvantCard Credit Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.8/5.0 from 38 Offer Ratings
Over the Past 60 Days!

(38) Over the Past 60 Days!
  • Apply Online

    Fast and easy application process

  • No Hidden Fees

    No deposit required and no penalty APR

  • Build Credit

    Reports to all three major credit bureaus


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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on Credit One Bank's secure site

Credit One Bank® Platinum Visa® with Cash Back Rewards

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 10 Offer Ratings
Over the Past 60 Days!

(10) Over the Past 60 Days!
  • Credit Monitoring

    Free online monthly credit tracking

  • Rewards Rate

    1% on eligible purchases, terms apply

  • Regular Purchase APR

    19.74% - 25.74% Variable


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0-$99

  • 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®
Apply Now

on Capital One's secure site

Capital One® Platinum Credit Card

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 10 Offer Ratings
Over the Past 60 Days!

(10) Over the Past 60 Days!
  • Credit Line Increase

    Access a higher credit line by making first 5 monthly payments on time

  • Annual Fee

    Pay no annual fee

  • Regular Purchase APR

    24.99% (Variable)


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

Apply Now

on Capital One's secure site

Capital One® QuicksilverOne® Cash Rewards Credit Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 3 Offer Ratings
Over the Past 60 Days!

(3) Over the Past 60 Days!
  • Rewards Rate

    Unlimited 1.5% Cash Back

  • 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

  • Regular Purchase APR

    24.99% (Variable)


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
Apply Now

on Discover's secure site

Rates & Fees

Discover it® Student Cash Back

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 5 Offer Ratings
Over the Past 60 Days!

(5) Over the Past 60 Days!
  • Intro Purchase APR

    0% for 6 Months*

  • Rewards Rate

    Earn 5% cash back at different places each quarter up to the quarterly maximum, when you activate*

  • Ongoing APR

    14.99% - 23.99% Variable*


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0

  • 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 or Amazon.com 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 14.99% - 23.99%.
  • See Rates & Fees

See additional details for Discover it® Student Cash Back

Apply Now

on Genesis FS Card Services's secure site

Milestone® Gold Mastercard®

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 6 Offer Ratings
Over the Past 60 Days!

(6) Over the Past 60 Days!
  • Mastercard Gold Benefits

    Accepted Worldwide and $0 Fraud Liability

  • Customize Your card

    Pick from multiple card designs at no extra charge

  • Regular Purchase APR

    23.9% variable


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $35-$99, depending on creditworthiness*

  • 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®

Apply Now

on Discover's secure site

Rates & Fees

Discover it® Student chrome

 

Rated 4/5 stars by our editorial team

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Your Rating:

4.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

(2) Over the Past 60 Days!
  • Intro Purchase APR

    0% for 6 Months*

  • Bonus Rewards

    2% cash back at gas stations & restaurants on up to $1,000 in combined purchases every quarter - no sign-ups needed, 1% on everything else*

  • Ongoing APR

    14.99% - 23.99% Variable*


  • Typical Credit Needed

    500

    600

    700

    750

    850

  • Annual Fee

    $0

  • 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.
  • 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases every quarter - no sign-ups needed. 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 14.99% - 23.99%.
  • See Rates & Fees

See additional details for Discover it® Student chrome

Apply Now

on Discover's secure site

Rates & Fees

Discover it® Secured

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.3/5.0 from 35 Offer Ratings
Over the Past 60 Days!

(35) Over the Past 60 Days!
  • Cash Back Rewards

    2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. 1% on everything else*

  • Credit Limit

    Credit line will equal your security deposit of $200 or more*

  • Rates and Fees

    No annual fee, no late fee on your first late payment. No penalty APR*


Highlights

  • No Annual Fee, cash back on every purchase, and helps you build your credit with responsible use. 
  • Your Secured Credit Card requires a refundable security deposit up to the amount we can approve of at least $200 which will establish your credit line. You will need to provide your bank information when submitting your security deposit. 
  • We will automatically begin reviewing your account starting at 8 months to see if we can transition you to an unsecured line of credit. 
  • Earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases - automatically. 
  • 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. 
  • 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

Apply Now

on Capital One's secure site

Capital One® Spark® Classic for Business

 

Rated 3.5/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 6 Offer Ratings
Over the Past 60 Days!

(6) Over the Past 60 Days!
  • Rewards Rate

    Earn 1% cash back on all purchases

  • Extra Perks

    No foreign transaction fees & complimentary fraud coverage

  • Regular Purchase APR

    24.74% (Variable)


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

*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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Picture of Ronnie Burnell

By: | Sep 11, 2017

Thank you for the information, that is nice

These responses are not provided or commissioned by the bank advertiser. Responses have not been reviewed, approved or otherwise endorsed by the bank advertiser. It is not the bank advertiser's responsibility to ensure all posts and/or questions are answered.

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