Credit Cards

Credit cards for fair credit: choose the right card for you

If you have a fair credit score, it's important to choose the right credit card. We've compiled a list of six excellent cards that will help improve your credit rating.

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Start building your credit history today with a card for fair credit

Female hands with credit cards on color background
There are several credit card options, but which ones are really good for someone with a fair credit score? Source: Adobe Stock.

For a lot, it may seem like little. However, if you have Fair Credit, you are in a privileged position. And you need to know how to make the most of this position, finding good credit cards for fair credit.

We consider a fair-level credit score to be between 580 and 669. In fact, it’s easy to see that with this score, you’re no longer in a critical situation. Since the minimum score is 300, being above 550 means you’ve come a long way to get good credit.

However, with that score, you probably still won’t be able to pick the traditional cards on the market. That way, you need to research, among the options that accept your score, which one is best for you.

We advance that this can be a work of weeks or months. However, we decided to do this for you. So, our team has compiled a list of great credit cards for fair credit and has just made it available in this article.

So read, analyze, compare and choose the best one!

Bad credit placard in hand with crumpled paper pile

Credit cards for bad credit: compare the best options

If you have a bad credit score, don't worry. We've compiled a list of the best credit cards for people in your situation.

Take a closer look at the best credit cards for fair credit: 6 options

There are excellent credit card options for fair-level scores. Below are the top six. Source: Adobe Stock.

Great credit options with the possibility to join great rewards programs. Discover the best credit card options for those with a fair credit score:

Capital One SavorOne Student Cash Rewards Credit Card

Great rates and an extremely interesting cashback program. These are the great qualifications of the Capital One SavorOne Student Cash Rewards Credit Card, a card you need to dream about.

This card does not charge fees for foreign transfers. In addition, it offers its customers full exemption from liability in cases of fraud. Find out about the cashback program and other conditions in the table below:

Credit ScoreAverage/Fair (from 580 to 669)
Annual Fee$0
Regular APR26.99% (variable)
Welcome bonusNone
RewardsUnlimited and non-expirable cashback on 8% on Capital One Entertainment tickets in Vivid Seats; 3% on restaurants, general entertainment, popular streaming services and grocery stores (except at stores like Walmart to Target) and 1% on all other purchases.

Capital One Quicksilver Student Cash Rewards Credit Card

Here is a great option for anyone who is a student. Indeed, the minimum requirement to apply for the Capital One Quicksilver Student Cash Rewards Credit Card is to be enrolled in any higher education institution.

To make life easier for students, this card has no overseas transfer fees or any other hidden fees. Also, within 6 months of conscious use, you may already be eligible for a higher limit. With this option, you are freed from domestic liability for loss or theft.

Finally, another advantage is the possibility of enabling automatic payments. Check out the rewards program and other features in the table below:

Credit ScoreAverage/Fair (from 580 to 669)
Annual Fee$0
Regular APR26.99% (variable)
Welcome bonusNone
Rewards1.5% unlimited cashback on all your purchases

Milestone® Gold Mastercard®

Closeup portrait hand woman sitting in her new white car showing credit card and holding dollar Personal transportation purchase concept
There are a lot of credit cards for fair scores. Here’s a great option. Source: Adobe Stock

Milestone® Gold Mastercard® is a credit card for customers with more modest scores. In fact, it offers all the basic conditions for you to rebuild your credit as quickly as possible.

Thus, the main one is the reporting of your payments to the main credit agencies in the country. In order not to hurt your score, Milestone® Gold Mastercard® offers a pre-qualification.

That way, you’ll know in advance which rates you’ll have at your disposal. Finally, with this card, you have credit when you need it for purchases online or in physical stores. See the table below for more information:

Credit ScoreFrom bad to fair (from 300 to 669)
Annual Fee$35 or $75 for the first year, $35 or $99 for subsequent years.
Regular APR24.9%
Welcome bonusNone
RewardsNone

Oportun® Visa® Credit Card

The Oportun® Visa® is another basic credit card for anyone looking to build credit. Firstly, there is no need to consult your history while applying. In case of fraud, don’t worry!

In addition, it is excellent for foreign transfers as it has no fees for this type of transaction. This card has a program that exempts you from liability for unrecognized purchases.

Initially, you have an available line of credit of up to $1,000 with approval in minutes. Fees and more information are in the table below:

Credit ScoreNo credit/credit limited/bad to good (from 300 to 739)
Annual FeeFrom $0 to $49
Regular APRFrom 24.90% to 29.90%
Welcome bonusNone
RewardsNone

NetFirst Platinum

A card that offers 0% APR for people with less experienced credit scores. In fact, this is a rare feature to find on credit cards for fair credit. Therefore, NetFirst Platinum is an option to consider when choosing your card.

With an extremely fast application process, you can have a $750 cap at your disposal in no time. In addition, all your payments are reported to the largest credit bureaus in the country.

This makes building credit very easy! Discover other advantages of NetFirst Platinum in the table below:

Credit ScoreFair (from 580 to 669)
Annual Fee$177.24 ($14.77 per month)
Regular APR0%
Welcome bonusNone
RewardsNone

Reflex Mastercard®

Our last but not least option on this list is the Reflex Mastercard®. With it, as an entry, you have a limit of $300 to $1,000. If you use credit wisely, in 6 months you can double that amount!

The prequalification process gives you an idea of the benefits you will get with this card and prevents damage to your credit score. Plus, with monthly reports to the country’s biggest credit bureaus, it’s easy to build your credit.

See the table below for more information about this card:

Credit ScoreFrom poor to good (between 300 and 719)
Annual FeeFrom $75.00 to $99.00 in the first year, $99.00 in subsequent years
Regular APRFrom 24.99% to 29.99% (variable)
Welcome bonusNone
RewardsNone

Reflex Mastercard® credit card

Reflex Mastercard® card: check out how to apply!

It's easy to apply the Reflex Mastercard® card. Click here and learn how to get the card that gives up to $2,000 limit after 6 months of use.

On our blog, we have many other lists of card options that might interest you. Click on the link below, and learn about other credit cards. Maybe yours is here:

Credit cards for limited credit: find the best card for your needs

Limited credit is not an excuse for having bad credit cards. Click here for a list of 6 great options and choose the best one for you!

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