Best credit cards for fair credit of 2024
Start building positive credit history. Get matched to credit cards from our partners based on your unique credit profile.⍉
Start your credit journey
Build better credit habits like paying your bills on time, which could help increase your credit scores.
Get perks for spending
Your card matches could give you rewards like cash back or low interest rates.
Enjoy low fees
Get credit card offers with low to no annual fees.
⍉Based on FICO® Score 8 model. Offers and approval not guaranteed. Eligibility requirements and terms apply. Subject to credit check which may impact your credit scores. Offers not available in all states. See licenses and disclosures.
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All credit card offers for fair credit
18 partner offers
Credit One Bank American Express® Card for Rebuilding Credit
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 29.24% Variable |
Annual Fee: | $75 First year. $99 thereafter, billed monthly at $8.25 |
Terms Apply
Rates and feesAvantCard
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 35.99%* Variable |
Annual Fee: | $0* |
AvantCard
Intro bonus: | N/A* |
---|---|
Rewards: | 2% (cash back) |
Ongoing APR: | 29.74%* Variable |
Annual Fee: | $0* |
Reflex® Platinum Mastercard®
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 35.90% Fixed |
Annual Fee: | $75 - $125 |
FIT™ Platinum Mastercard® - $400 Credit Limit
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 35.90% Fixed |
Annual Fee: | $99 first year; $125 thereafter |
Surge® Platinum Mastercard®
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 35.90% Fixed |
Annual Fee: | $75 - $125 |
Capital One Platinum Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | N/A* |
Ongoing APR: | 29.99% (Variable) |
Annual Fee: | $0 |
Platinum Prestige Mastercard® Secured Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 14.74% Variable |
Annual Fee: | $49 |
Platinum Select Mastercard® Secured Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 18.74% Variable |
Annual Fee: | $39 |
First Latitude Assent Mastercard® Secured Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 28.74% Variable |
Annual Fee: | $0 |
Citi Double Cash® Card
Intro APR: | 0% for 18 months on Balance Transfers |
---|---|
Ongoing APR: | 18.74% - 28.74% (Variable) |
Rewards: | 2% (cash back) |
Annual Fee: | $0 |
Credit One Bank® Secured Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 29.24% Variable |
Annual Fee: | $0 |
Terms Apply
Rates and feesCapital One QuicksilverOne Cash Rewards Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1.5%-5% (cash back) |
Ongoing APR: | 29.99% (Variable) |
Annual Fee: | $39 |
AvantCard
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 35.99%* Variable |
Annual Fee: | $39* |
AvantCard
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 35.99%* Variable |
Annual Fee: | $75* |
Credit One Bank® NASCAR® American Express® Credit Card for Rebuilding Credit
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 29.24% Variable |
Annual Fee: | $75 First year. $99 thereafter, billed monthly at $8.25 |
Terms Apply
Rates and feesCredit One Bank® Wander® American Express® Card
Intro bonus: | N/A |
---|---|
Rewards: | 1x-10x (Points per dollar) |
Ongoing APR: | 29.49% Variable |
Annual Fee: | $95 |
Terms Apply
Rates and feesCredit One Bank American Express® Credit Card
Intro bonus: | N/A* |
---|---|
Rewards: | 1% (cash back) |
Ongoing APR: | 29.24% Variable |
Annual Fee: | $39 |
Terms Apply
Rates and feesAny opinions, analyses, reviews, or recommendations expressed on this page are those of the author’s alone, and have not been reviewed, approved or otherwise endorsed by the banks, lenders and credit card companies.
*For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
Advertiser Disclosure: The offers that appear on this site are from third party companies ("our partners") from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
ΘCredit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any offer.
How to choose a credit card for fair credit
1
Avoid annual fees
When you have fair credit, sometimes cards with certain rewards or benefits aren’t worth the cost of paying an annual fee.
2
Check for 3-bureau reporting
Make sure that your new credit card reports to least one of the 3 credit bureaus (Experian, Equifax® and TransUnion®), so your payments show responsible credit habits.
3
Find perks that work for you
Look for credit cards that will give you rewards while also helping you improve your credit.
4
Look for an upgrade
Choose a card that you can easily upgrade for better rewards or terms once your credit scores improve.
Start with your FICO® ScoreΘ and see card offers matched to your credit profile.
Get started for freeΘCredit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more.