Credit Cards for Fair Credit

The credit card offers in this section are the most popular credit cards for consumers with fair to average credit history. If you have average credit and looking for the best credit card, you have come to the right place. Take time and search through this list of consumer credit card offers for people with fair to average credit, and apply for one that best meets your needs.

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Intro Purchase APR N/A Intro Balance Transfer APR N/A Ongoing APR See website for Details*
Annual Fee None Balance Transfer N/A Credit Needed Bad Credit
Intro Purchase APR N/A
Intro Balance Transfer APR N/A
Ongoing APR See website for Details*
Annual Fee None
Balance Transfer N/A
Credit Needed Bad Credit
Apply Now Show card details

Intro Purchase APR N/A Intro Balance Transfer APR N/A Ongoing APR 20.74%
Annual Fee $29 Balance Transfer N/A Credit Needed Bad Credit
Intro Purchase APR N/A
Intro Balance Transfer APR N/A
Ongoing APR 20.74%
Annual Fee $29
Balance Transfer N/A
Credit Needed Bad Credit
Apply Now Show card details


Credit Cards for People with Fair Credit History

If your credit score is somewhere in the mid-500 to mid-600 range, you are considered to have only fair credit. But you’ll be glad to know that even if your credit record isn’t perfect there are credit cards that are available to you. Your choices will be more limited, however, than they would be if you had credit scores that put you in the excellent or good range.

Credit cards for people with fair credit usually come with some kind of annual fee; the banks see themselves as taking a risk, so you’ll have to pay for the privilege of borrowing money from them (which is essentially what you’re doing when you charge purchase on your credit card). You’ll also have to pay a higher rate of interest on the balance that you carry over each month than you would if you had a better credit score.

But cards for people with fair credit often have some perks, like cash back on purchases, extended warranties on some goods that you buy with the card and even roadside assistance if your vehicle breaks down. As you’re deciding which card to apply for, read the application carefully to make sure that you understand the terms of the card and what extra benefits you may receive.

It will take some work and some time if you’d like to improve your credit score and move from a fair credit rating to good credit or excellent credit. Keep current with all your payments, pay down your debt, don’t charge more than you can reasonably pay off and clean up any problem areas, such as unpaid bills, on your credit report.

 

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Advertiser Disclosure: CreditcardXpo is an independent, advertising-supported comparison service. The card offers that appear on this site are from companies from which this website receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). This website does not include all card companies or all card offers available in the marketplace. This website may use other proprietary factors to impact card offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.