Whether you’re trying to build credit or earn rewards, getting a credit card if you have fair credit may prove to be a bit difficult.
All hope’s not lost though. Your chances of being approved are pretty good, though you may not get as many options as you want if you’re looking for better benefits and lower rates.
Choosing the best card means figuring out what your goals are, and finding one that can help you continue to build your credit. Here, we’ve rounded up the best credit cards for fair credit to help you get started on your research. Some of them are even good if you have bad credit or are just starting to build credit.
The Best Credit Cards For Fair Credit
- Capital One Platinum Credit Card: Best for no annual fee
- Capital One QuicksilverOne Cash Rewards Credit Card: Best for Cash Back
- Discover it Student Cash Back: Best for Students
- Credit One Bank Wander Card: Best for Travel
- OpenSky Secured Visa Credit Card: Best Secured Credit Card
- Petal 1 Visa Credit Card: Best for Broad Approval Criteria
- Deserve MasterCard: Best for International Students
Capital One Platinum Credit Card
Best for No Annual Fee
Key Features
- No foreign transaction fees
- Increased credit line within six months
- No rewards program
This is a simple no-frills credit card that’s best suited for those who want to build their credit or want a low cost option. Though the APR can be higher than some of the ones on our list, it may be fine if you don’ t intend on carrying a balance, or make small purchases on the card. Plus, if you make on-time payments for a consecutive six months, you may be considered for a higher credit line.
Capital One Platinum Credit Card
Annual fee
$0
APR
28.49% variable
Signup bonus
None
Credit requirements
Fair to good credit (580 to 740)
Capital One QuicksilverOne Cash Rewards
Best for Cashback
Key Features
- Good credit builder
- Rewards don’t expire
- Free credit monitoring
Yes, you’ll have to pay an annual…
