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% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
- Free FICO® Credit Score on monthly statements, online and in our mobile app.*
If your FICO scores fall between 650 and 700, you're in what is known as the "Fair Credit" range. In other words, your credit scores are average and can use improvement. The best way to improve your credit score is by using credit responsibly—by paying on time and preferably in full each and every month.