Credit Cards for Fair Credit
If you have a fair credit score, these are the best credit cards for average credit in the marketplace: they offer low or no annual fees, low balance transfer fees, cash back, airline miles, and more.
A great deal of the credit cards for fair credit below feature a 0% introductory APR or an instant approval decision, so be sure to scan the details regarding special promotions, rewards programs, annual fees, and other pertinent information before applying. Congratulations — you're on your way to improved credit.
Given the number of fair credit credit cards on the market today, average credit consumers have their pick when it comes to paying lower interest fees and earning better rewards. Some of the offers below are also designed for students with a limited history, and can be a great credit-builder for younger consumers with OK credit.
Generally, a fair or average credit score ranges from 650-699, putting consumers precisely on the fence when it comes to receiving the best interest rates from credit companies. Credit cards for average credit help you build your credit even further by using a number of strategies and incentives to pay your bill on time each month, including rewards, cash back and lowered APR's over time.
If you have average credit that you’re hoping to build or re-establish, consider our recommendations for the best credit cards for fair credit on the market today in the helpful compare table below.
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Discover it® for Students Highlights
- No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
- 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 after you sign up*. 1% cash back on all other purchases.
- Free FICO® Credit Score online and on monthly statements.*
Although people with fair credit might not yet be approved for the best credit card offers, they don't have to pay the often high fees associated with subprime (a.k.a. bad credit) cards. Look for cards that require "average", "fair", or "limited" credit, as these cards have lower fees and higher approval rates.