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Advertiser Disclosure Updated: Apr 25, 2024, 4:02pm

Best Credit Cards For Fair Credit Of May 2024

Becky Pokora
Becky Pokora
Becky PokoraCredit Card Rewards Expert
With more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptions have helped her travel to more than 50 countries and all seven continents.
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Becky Pokora
Becky Pokora
Becky PokoraCredit Card Rewards Expert
With more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptions have helped her travel to more than 50 countries and all seven continents.
See Full Bio
Credit Card Rewards Expert
Caroline Lupini
Caroline Lupini
Caroline LupiniManaging Editor, Credit Cards & Travel Rewards
Caroline Lupini has been traveling the world with the help of credit card rewards since 2011. She has visited over 110 countries and is able to utilize her knowledge of credit cards and to make travel both less expensive and more luxurious. Caroline has over 50 credit cards in her wallet and has previously covered credit cards and travel for Business Insider, The Points Guy, USA Today, Lonely Planet, Orbitz and many others.
See Full Bio

Fact Checked

Caroline Lupini
Caroline Lupini
Caroline LupiniManaging Editor, Credit Cards & Travel Rewards
Caroline Lupini has been traveling the world with the help of credit card rewards since 2011. She has visited over 110 countries and is able to utilize her knowledge of credit cards and to make travel both less expensive and more luxurious. Caroline has over 50 credit cards in her wallet and has previously covered credit cards and travel for Business Insider, The Points Guy, USA Today, Lonely Planet, Orbitz and many others.
See Full Bio
Managing Editor, Credit Cards & Travel Rewards

Fact Checked

Updated: Apr 25, 2024, 4:02pm

Editorial Note: We earn a commission from partner links on Forbes Advisor. Commissions do not affect our editors' opinions or evaluations.

Having fair credit can put you in a tough position. Fair credit doesn’t quite reach the level that most credit card issuers want to see before they approve you for the more competitive cards. The options remaining for those with fair credit are limited and may not offer rewards or great benefits. Use these cards responsibly in order to build your credit over time so that you may qualify for better cards in the future.

Why you can trust Forbes Advisor

Our editors are committed to bringing you unbiased ratings and information. Our editorial content is not influenced by advertisers. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the credit card methodology for the ratings below.

  • 210 credit cards rated
  • 28,000 data points collected
  • 130 credit cards owned
  • 53 years of industry experience

Read more
Show Summary

Best Credit Cards for Fair Credit

Find the Best Credit Card

Best Credit Cards for Fair Credit of 2024

Best for Cash-Back Rewards Earning Potential

Citi Custom Cash® Card

Apply Now Apply Now
On Citi's Website
Citi Custom Cash® Card
Click Here To Apply Now
Rates & Fees 
5.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now Apply Now
On Citi's Website

Up to 5% Reward Rate

5% cash back on up to $500 in purchases in your top eligible spend category each billing cycle. 4% cashRead More

Welcome Bonus

$200

Annual Fee

$0

Regular APR

19.24% - 29.24% (Variable)

Credit Score

Excellent, Good, Fair

Editor's Take

The Citi Custom Cash is a great option for people looking to maximize cash back rewards without having to worry about activating or selecting bonus categories.

Pros & Cons
  • No registration required to earn bonus rewards
  • Cash-back categories are unique categories that other cards may not offer bonus rewards for
  • Introductory APR on purchases and balance transfers
  • No annual fee
  • High balance transfer fee
  • High foreign transaction fee
  • Some everyday rewards categories are neglected
Card Details
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. Special Travel Offer: Earn an additional 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.
Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Flat-Rate Cash-Back Card

Citi Double Cash® Card

Apply Now Apply Now
On Citi's Website
Citi Double Cash® Card
Click Here To Apply Now
Rates & Fees 
4.4
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now Apply Now
On Citi's Website

Up to 2% Reward Rate

First, you earn 1% unlimited cash back on every purchase you make. Then, as you pay for those purchases, youRead More

Welcome Bonus

Earn $200 cash back

Annual Fee

$0

Regular APR

19.24% - 29.24% (Variable)

Credit Score

Excellent, Good, Fair

Editorial Review

The Citi Double Cash card’s simple cash back structure and long-lasting balance transfer APR offer make the Citi Double Cash a favorite among those who want to set it and forget it. It offers a solid cashback rate on all purchases and 0% intro APR on balance transfers, all without an annual fee.

Pros & Cons
  • Earn up to 2% cash back—1% when the purchase is made and 1% when payment is made on the account
  • No cash-back cap—no limit on the amount of cash back that can be earned
  • No annual fee
  • Introductory APR period for balance transfers
  • Foreign transaction fee
  • Balance transfer fee
  • Lack of benefits seen in other no annual fee cards
  • No introductory 0% APR on purchases
Card Details
  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, for a limited time, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/24.
  • Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 19.24% – 29.24%, based on your creditworthiness.
  • Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
  • If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
  • There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Secured Card

Capital One Quicksilver Secured Cash Rewards Credit Card

Apply Now Apply Now
On Capital One's Website
Capital One Quicksilver Secured Cash Rewards Credit Card
Click Here To Apply Now
Rates & Fees 
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now Apply Now
On Capital One's Website

Welcome Bonus

N/A

Annual Fee

$0

Regular APR

29.99% (Variable)

Credit Score

Limited, Bad

Editor's Take

For those who don’t mind paying a security deposit to unlock access to rewards earning, this card may be worth considering.

Pros & Cons
  • Unlimited 1.5% cash back reward on all eligible purchases
  • No foreign transaction fees
  • High APR
Card Details
  • No annual or hidden fees, and you can earn unlimited 1.5% cash back on every purchase, every day. See if you’re approved in seconds
  • Put down a refundable $200 security deposit to get a $200 initial credit line
  • Building your credit? Using a card like this responsibly could help
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
  • Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Unsecured Flat-Rate Rewards Card from Capital One

Capital One QuicksilverOne Cash Rewards Credit Card

Apply Now Apply Now
On Capital One's Website
Capital One QuicksilverOne Cash Rewards Credit Card
Click Here To Apply Now
Rates & Fees 
4.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now Apply Now
On Capital One's Website

Up to 5% Reward Rate

Earn unlimited 1.5% cash back on every purchase, every day. Plus, earn 5% cash back on hotels and rental carsRead More

Welcome Bonus

N/A

Annual Fee

$39

Regular APR

29.99% (Variable)

Credit Score

Average, Fair, Limited

Editor's Take

A great option for those with less-than-stellar credit, this card offers a gateway to building better credit while earning a respectable 1.5% cash back rewards rate. You may also gain a higher credit line in as little as 6 months from account opening.

Pros & Cons
  • Unlimited 1.5% cash-back rewards
  • Fair-to-average credit applicants considered
  • No foreign transaction fee
  • Rewards don’t expire
  • High APR
  • No boosted rate in common spending categories
  • No welcome offer
  • No intro APR offer
Card Details
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn’t expire for the life of the account. It’s that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best for BP and Grocery and Dining Rewards

BPme Rewards Visa® *

BPme Rewards Visa®
3.5
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Up to 5% Reward Rate

Earn 15 cents off every gallon of bp and Amoco fuel purchases; Earn 5% cash back on non-fuel bp andRead More

Welcome Bonus

30 Cents off

Annual Fee

$0

Regular APR

31.99% fixed

Credit Score

Fair/Average (650 - 699)

Editor's Take

If you get most of your fuel from bp or Amoco and want to build credit while saving on gas, the BPme Rewards Visa®* is a solid choice. There’s no annual fee and a few extra bonus categories to maximize your rewards.

Pros & Cons
  • Discount on BP and Amoco fuel
  • Solid cash-back rewards program
  • No annual fee
  • Fuel discount is brand-specific
  • Extremely high APR
  • Foreign transaction fee
Card Details
  • 15 cents off every gallon automatically on bp and Amoco fuel purchases
  • 5% cash back on non-fuel purchases at bp and Amoco stores (including convenience store and car wash purchases)
  • Special intro offer: 30 cents off every gallon on bp and Amoco fuel purchases in the first 60 days after account opening
  • 3% cash back on grocery purchases, 3% cash back on dining purchases (including restaurants, take-out, and food delivery services) and 1% cash back on all other qualifying purchases
30 cents off every gallon on bp and Amoco fuel purchases in the first 60 days after account opening, 15 cents off after the first 60 days
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best for IKEA Shoppers

IKEA® Visa® credit card *

IKEA® Visa® credit card
3.2
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Up to 5% Reward Rate

Earn 5% back in rewards on IKEA purchases, including Traemand installation and TaskRabbit assembly services, 3% back in rewards onRead More

Welcome Bonus

$25 off first IKEA purchase + $25 bonus IKEA Reward Dollars

Annual Fee

$0

Regular APR

21.99% variable

Credit Score

Fair/Good (650 - 699)

Editor's Take

You can earn rewards on purchases in many categories to use at IKEA. There’s no financing option, but you’ll get extra perks and members-only offers just for having the card.

Pros & Cons
  • No annual fee
  • No foreign transaction fee
  • Plentiful cash-back reward categories
  • Rewards limited to Ikea and related services
  • No low introductory APR period
  • Rewards expire
Card Details
  • Earn 5% back in rewards on IKEA purchases, including Traemand installation and TaskRabbit assembly services, 3% back in rewards on dining, grocery stores and utility purchases and 1% back in rewards on all other purchases made with your IKEA Visa credit card
  • $0 annual fee
$25 off your first IKEA purchase of $25 or more instantly when you open and use your IKEA Visa Credit Card immediately upon approval in-store or receive a statement credit when you open and use your IKEA Visa Credit Card immediately upon approval online. Plus, $25 Bonus IKEA Reward Dollars when you spend $500 or more outside of IKEA, Traemand and TaskRabbit within the first 90 days of account opening with your card.
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best for Williams-Sonoma Family Shoppers

Key Rewards Card *

Key Rewards Card
3.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.

Up to 5% Reward Rate

Earn 5% back online and in stores across seven brands

Welcome Bonus

10% back or special financing

Annual Fee

$0

Regular APR

31.24% variable

Credit Score

Fair (650 - 699)

Editor's Take

If you’re a frequent re-doer or you’re furnishing a home from top-to-bottom and want to only do it with items from this family of companies, you can find value in choosing the rewards or financing options with the card.

Pros & Cons
  • An annual $25 birthday reward
  • 10% back across seven Williams Sonoma brands for the first 30 days from account opening or special financing for 12 months on qualifying purchases of $750 or more
  • Choose special financing instead of rewards on qualifying purchases
  • Earnings can’t be redeemed for cash
  • Rewards certificates cannot be issued if they are lost or stolen.
  • Certificates expire 180 days after they are issued.
Card Details
  • Earn 10% back across seven brands for your first 30 days from account opening or special financing for 12 months on qualifying purchases of $750 or more
  • Earn 5% back online and in stores across seven brands
  • No annual fee
Earn 10% back across seven brands for your first 30 days from account opening or special financing for 12 months on qualifying purchases of $750 or more
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Best Fair Credit Card for Travel

Credit One Bank Wander® Card

Apply Now Apply Now
On Credit One Bank's Website
Credit One Bank Wander® Card
Click Here To Apply Now
Rates & Fees 
3.0
Forbes Advisor created additional star ratings so that you can see the best card for specific needs. This card shines for this use, but overall the star ratings may differ when compared to other cards.
Apply Now Apply Now
On Credit One Bank's Website

Up to 10X Reward Rate

Earn 10X points on eligible hotels and car rentals booked through the Credit One Bank travel site; earn 5X pointsRead More

Welcome Bonus

N/A

Annual Fee

$95

Regular APR

29.74% Variable

Credit Score

Fair/Good (650 - 699)

Editor's Take

The Wander is the rare card that combines high-value travel and gas earnings and only average credit needed to apply.

Pros & Cons
  • No foreign transaction fees
  • High reward potential
  • Issuer advertises requiring an average minimum credit rating
  • $95 annual fee
  • No low introductory APR period
  • High 29.74% Variable APR
Card Details
  • Earn 10x points on eligible hotels and car rentals booked through the Credit One Bank travel partner site
  • Earn 5x points on eligible travel, dining, and gas
  • Earn 1x points on all other purchases
  • Redeem your reward points for statement credits, gift cards, merchandise, flights, hotels, and more
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Free Online Credit Score and Credit Report summary, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • See Rates & Fees
N/A
Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.

Summary of the Best Credit Cards for Fair Credit

Credit Card
Citi Custom Cash® Card
Rates & Fees
Citi Custom Cash® Card
Citi Double Cash® Card
Rates & Fees
Citi Double Cash® Card
Capital One Quicksilver Secured Cash Rewards Credit Card
Rates & Fees
Capital One Quicksilver Secured Cash Rewards Credit Card
Capital One QuicksilverOne Cash Rewards Credit Card
Rates & Fees
Capital One QuicksilverOne Cash Rewards Credit Card
BPme Rewards Visa®
BPme Rewards Visa® *
IKEA® Visa® credit card
IKEA® Visa® credit card *
Key Rewards Card
Key Rewards Card *
Credit One Bank Wander® Card
Rates & Fees
Credit One Bank Wander® Card
Credit Card
Best For
Credit Score
Annual Fee
Welcome Bonus
Citi Custom Cash® Card
Rates & Fees
Citi Custom Cash® Card
Best for Cash-Back Rewards Earning Potential
Excellent, Good, Fair
$0
$200
Citi Double Cash® Card
Rates & Fees
Citi Double Cash® Card
Best Flat-Rate Cash-Back Card
Excellent, Good, Fair
$0
Earn $200 cash back
Capital One Quicksilver Secured Cash Rewards Credit Card
Rates & Fees
Capital One Quicksilver Secured Cash Rewards Credit Card
Best Secured Card
Limited, Bad
$0
N/A
Capital One QuicksilverOne Cash Rewards Credit Card
Rates & Fees
Capital One QuicksilverOne Cash Rewards Credit Card
Best Unsecured Flat-Rate Rewards Card from Capital One
Average, Fair, Limited
$39
N/A
BPme Rewards Visa®
BPme Rewards Visa® *
Best for BP and Grocery and Dining Rewards
Fair/Average
$0
30 Cents off
IKEA® Visa® credit card
IKEA® Visa® credit card *
Best for IKEA Shoppers
Fair/Good
$0
$25 off first IKEA purchase + $25 bonus IKEA Reward Dollars
Key Rewards Card
Key Rewards Card *
Best for Williams-Sonoma Family Shoppers
Fair
$0
10% back or special financing
Credit One Bank Wander® Card
Rates & Fees
Credit One Bank Wander® Card
Best Fair Credit Card for Travel
Fair/Good
$95
N/A

More on The Best Credit Cards for Fair Credit

Citi Custom Cash® Card

[ jump to details ]

The Citi Custom Cash® Card is a great option for earning cash-back rewards, including a bonus on your top spending category, even if you have fair credit.

Rewards: Earn 5% cash back on purchases in a top eligible spend category up to the first $500 spent each billing cycle, 4% cash back on hotels, car rentals, and attractions booked on Citi Travel℠ portal through 6/30/2025 and 1% cash back on all other purchases.

Welcome offer: Earn $200 in cash back after spending $1,500 on purchases in the first 6 months of account opening. The bonus points come in the form of 20,000 ThankYou® Points that can be redeemed for $200 cash back.

Annual fee: $0

Regular APR: 19.24% - 29.24% (Variable)

Other benefits and drawbacks: The Citi Custom Cash® Card offers a 0% introductory APR for 15 months from date of account opening on purchases and from date of first transfer for balance transfers completed within 4 months of account opening. After that, the variable APR will be 19.24% - 29.24%, based on creditworthiness. There is also a balance transfer fee of 5% of each balance transfer; $5 minimum. Cardholders also receive free access to their FICO Score.

Citi Double Cash® Card

[ jump to details ]

With the ability to earn flat-rate cash back on all purchases, the Citi Double Cash® Card is a solid option for those who make their minimum payments on time, even with only fair credit.

Rewards: Earn 2% cash back on all purchases—1% when purchases are made and another 1% when they’re paid off.

Welcome offer: Earn $200 cash back after spending $1,500 on purchases in the first 6 months of account opening, fulfilled as 20,000 ThankYou® Points.

Annual fee: $0

Regular APR: 19.24% - 29.24% (Variable)

Other benefits and drawbacks: The Citi Double Cash® Card comes with a 0% intro APR on balance transfers for 18 months. After that, the standard variable APR will be 19.24% - 29.24%, based on creditworthiness. An intro balance transfer fee of either $5 or 3%, whichever is greater, applies to transfers completed within the first 4 months of account opening. After that, the fee will be 5% of each transfer (minimum $5).

Capital One Quicksilver Secured Cash Rewards Credit Card

[ jump to details ]

A secured card like the Capital One Quicksilver Secured Cash Rewards Credit Card (rates & fees) that earns rewards is great, but the high APR will pack a punch if you can’t pay off your balance in full each month.

Rewards: Earn 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $0

Regular APR: 29.99% (Variable)

Other benefits and drawbacks: The Capital One Quicksilver Secured Cash Rewards Credit Card requires a $200 minimum security deposit that can be earned back, with an upgrade to an unsecured version of the card, with responsible use. Capital One also offers automatic credit line reviews in as little as six months with no additional security deposit.

Capital One QuicksilverOne Cash Rewards Credit Card

[ jump to details ]

The Capital One QuicksilverOne Cash Rewards Credit Card (rates & fees) is a solid pick for those with fair credit looking to improve their scores and earn cash-back rewards in the process without putting down a deposit.

Rewards: Earn 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply).

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $39

Regular APR: 29.99% (Variable)

Other benefits and drawbacks: Capital One will automatically consider you for an increase to your credit line in as little as six months. This card also doesn’t charge foreign transaction fees.

BPme Rewards Visa® *

[ jump to details ]

The BPme Rewards Visa®* is a rewarding card for gas if you’re primarily filling up the tank at BP stations, but it’s worth a look even if you don’t frequent BP.

Rewards: Get 15 cents off every gallon of bp and Amoco fuel purchases, 5% cash back on non-fuel bp and Amoco purchases, 3% cash back on grocery and dining purchases and 1% back on all other qualifying purchases.

Welcome offer: Get 30 cents off every gallon on bp and Amoco fuel purchases in the first 60 days after account opening, 15 cents off thereafter.

Annual fee: $0

Regular APR: 31.99% fixed

Other benefits and drawbacks: The BPme Rewards Visa offers free access to your FICO Score.

IKEA® Visa® credit card *

[ jump to details ]

The IKEA® Visa® credit card* earns rewards dollars for reward certificates eligible for IKEA purchases. If you frequent IKEA and only have fair credit, this card may be a good choice.

Rewards: Earn 5% back in rewards on IKEA purchases, including Traemand installation and TaskRabbit assembly services, 3% back in rewards on dining, grocery stores and utility purchases and 1% back in rewards on all other purchases made with your IKEA Visa credit card.

Welcome offer: Get $25 off first IKEA purchase of $25 or more instantly after using the card immediately upon approval in-store or receive a statement credit after using the card immediately upon approval online. Plus, $25 Bonus IKEA Reward Dollars after spending $500 or more outside of IKEA, Traemand and TaskRabbit within the first 90 days of account opening.

Annual fee: $0

Regular APR: 21.99% variable

Other benefits and drawbacks: The IKEA® Visa® credit card* doesn’t offer much in the way of additional benefits.

Key Rewards Card *

[ jump to details ]

Unlike most store cards which limit your rewards within a single brand for rewards redemption, the Key Rewards Card* expands your rewards potential to seven stores within the Williams Sonoma Inc. family.

Rewards: Get 5% back online and in stores across seven Williams Sonoma brands.

Welcome offer: Get 10% back across seven Williams Sonoma brands for the first 30 days from account opening or special financing for 12 months on qualifying purchases of $750 or more.

Annual fee: $0

Regular APR: 31.24% variable

Other benefits and drawbacks: By being a Key Rewards cardholder, you’ll also benefit from a $25 birthday reward sent to your email each year and free standard shipping on purchases at Williams Sonoma.

Credit One Bank Wander® Card

[ jump to details ]

The Credit One Bank Wander® Card could be the best option for hotels, rental cars and for gas (if you’re not loyal to BP—in which case, consider the BPme Rewards Visa®*).

Rewards: Earn 10 points per dollar on eligible hotels and car rentals booked through the Credit One Bank travel partner, 5 points per dollar on eligible travel, dining and gas and 1 point per dollar on all other purchases.

Welcome offer: This card does not offer a welcome bonus.

Annual fee: $95

Regular APR: 29.74% Variable

Other benefits and drawbacks: The Credit One Bank Wander® Card offers free access to your credit score.

Methodology

To find the best credit cards for people with fair credit, we looked at dozens of cards from all of the major card issuers. But the key to finding the best cards was narrowing it down to the cards most likely to approve applicants who’ve had credit problems in the past.

Many credit card issuers will indicate which products are designed for those with fair credit. Then, it’s a matter of comparing the card’s terms, conditions and benefits. Most of these cards are rather simple cards, as rewards and benefits are often sacrificed in return for being accessible to those with past credit problems or a limited credit history.

We also considered the following:

  • Rewards earning
  • APR
  • Brand
  • Welcome bonus
  • Additional benefits

Read more: How Forbes Advisor Rates Credit Cards

Find the Best Credit Cards for 2024

No single credit card is the best option for every family, every purchase or every budget. We've picked the best credit cards in a way designed to be the most helpful to the widest variety of readers.

Learn More

What Is a Fair Credit Score?

Fair credit is typically defined as a FICO Score between 580 and 669, according to Experian. You could have fair credit because you have very little information in your credit history or because you’ve had some credit problems in the past. This makes it difficult for you to qualify for most credit cards, but options do exist—especially if you’re a student.

What is or isn’t an adequate credit score also varies among lenders, and you typically won’t be told what a particular lender’s cutoff point is between a good credit score and a not-so-good one. Lenders will evaluate your entire credit history when deciding whether or not to approve you for a card.

Why Higher Credit Scores Are Better

Lenders use credit scores to help decide whether to approve a new loan or credit application and to help determine the interest rate charged on the loan or lines of credit. Higher credit scores signal that you are a responsible borrower and can be trusted to repay your debts, so they can result in higher credit limits, more card application approvals and more favorable lending terms.

How To Choose Credit Cards for Fair Credit

If you have fair credit, you won’t have as many credit card options available, but rewarding options do exist. Making responsible financial choices, like paying your bill on time each month and keeping your credit utilization low, should be a high priority—your goal might not be simply to get a credit card but to build and strengthen your credit so you can rise from fair to good or excellent credit.

If you’re confident you can make solid financial choices, you should ask yourself a few questions:

  • What kind of purchases do I make most often?
  • Would I prefer to earn cash back or another type of reward?
  • Would I rather have a card that earns a flat-rate of rewards on every purchase or one with categories to keep track of?
  • Are there any additional benefits that matter to me?

After you answer those questions, you’ll be able to narrow down the best options for you.

How To Prequalify for Credit Cards With Fair Credit

The best way to prequalify for credit cards with fair credit is to use an online credit card pre-qualification tool. Many credit card issuers provide these tools on their websites and they allow you to enter basic personal information to see if you prequalify for their credit cards. It’s important to note that prequalifying does not guarantee approval, but it can give you a good indication of which credit cards you are likely to be approved for without the penalty of hard inquiries on your credit report.

How To Get a Credit Card With Fair Credit

Those with fair credit history do have a wide variety of credit card product options. It won’t be a card with sky-high rewards, a big welcome bonus or other lucrative perks you might see advertised on other cards, but you can make the most of whatever card you can receive approval for to work toward improving your credit standing.

You’re also more likely (although it’s not a guarantee) to be approved for a card you’re preapproved for. Many issuers, including American Express, Bank of America, Capital One, Chase, Citibank, Deserve and Discover will let you check to see if you’re preapproved or pre-qualified for their cards.

Things To Avoid With Credit Cards for Fair Credit

  • Making late payments: Late payments can result in costly fees and interest plus have a major negative impact to your credit.
  • Carrying a balance: Paying interest on your credit card balance can quickly add up, so it’s important to pay off your balance in full each month.
  • Overspending: Don’t max out your credit card limit, as doing so can hurt your credit score by increasing your credit utilization rate.
  • Spending more than you can afford: Credit cards can be a helpful way to build credit, but only if you use them responsibly. Make sure you only charge what you can afford to pay back.
  • Applying for too many cards: Too many credit card applications can also have a negative effect on your credit score.

Bottom Line

Is your credit fair? Don’t despair. Those with subprime credit have options. Borrowers should beware of the risks associated with using credit cards irresponsibly and be sure to pay all bills in full, on time and keep balances as low as possible to help build and improve their credit.

Frequently Asked Questions (FAQs)

What credit card can I get with fair credit?

The list of credit cards you can get with fair credit is long, but the list of good credit cards available you can receive approval for with fair credit is relatively short. Our list of the best credit cards for fair credit is a good place to start your search.

Are there credit cards for fair or average credit with instant approval?

Some cards do offer the ability to prequalify for approval to those with fair or average credit, but since there’s no one “right” score you need to receive approval, there’s never a guarantee.

Even if you’re approved right away, you may not be able to use the card number right away. In many cases, you’ll have to wait until your physical card arrives in the mail, which typically takes five to seven business days.

What credit card should I apply for with fair credit?

If your credit is fair, you should be eligible for several decent credit cards, including the ones on Forbes Advisor’s list of the best credit cards for fair credit. No one card will be the easiest to receive an approval for with fair credit because approval for a card is based on various factors—your credit score is only one of them. Likewise, there’s no best card because what’s right for you may not be the right choice for someone else.

A credit score that might help you qualify for the best terms available from one card issuer might not be high enough to receive the same treatment from another bank. A potential lender will also consider your income and the monthly expenses you indicate on your application.

If you have fair credit, your best bet is to apply for a card designed for someone with fair or average credit. Do some research to see what cards might be the right fit for your personal spending habits and consider preapproval options before applying. Although it’s not a guarantee of approval, several issuers, including American Express, Bank of America, Capital One, Chase, Citibank, Deserve and Discover will let you check to see if you’re pre-qualified for many of their cards.

How long does it take to build good credit?

Whether you’re starting from scratch or working to improve a damaged score, achieving good credit takes time. Some things you can do to improve your credit over a period of a few months—like consistently paying your bills on time, lowering your credit utilization or taking advantage of tools like Experian Boost or American Express’ Score Goals that can offer actionable insights on how to increase your score.

In general, someone building credit for the first time can expect to see an improvement of a FICO Score in about six months after opening an account and making on-time payments. But payment history—the single largest factor involved in calculating your score—can’t be easily erased if you’ve made some missteps. It may take several months or even several years to demonstrate improved responsible payment behavior.

Length of credit history is also a factor that can’t be tweaked. There’s not a specific amount of time it takes to achieve any level of credit, but with consistently good payment behavior and mindful credit use, a good credit score can be achieved.

What can you do with fair credit?

With fair credit, you can usually receive approval for unsecured credit cards and personal loans, though you may have to pay higher interest rates than people with higher credit scores. You may also be able to qualify for a car loan, though you may have to make a larger down payment and be subject to higher interest rates. Other options include taking out a secured loan, such as a secured credit card, or looking for lenders that specialize in working with people with fair credit. Note that many of your options will likely involve less favorable terms.

Can you get a business credit card with fair credit?

Yes, it is possible to get a business credit card with fair credit. However, you may have difficulty qualifying for a traditional business credit card, and you may need to consider a secured business credit card instead. Secured business credit cards require a refundable security deposit, which helps reduce the risk for the lender.

Next Up In Credit Cards

*The information for the following card(s) has been collected independently by Forbes Advisor: BPme Rewards Visa®, IKEA® Visa® credit card, Key Rewards Card. The card details on this page have not been reviewed or provided by the card issuer.

Information provided on Forbes Advisor is for educational purposes only. Your financial situation is unique and the products and services we review may not be right for your circumstances. We do not offer financial advice, advisory or brokerage services, nor do we recommend or advise individuals or to buy or sell particular stocks or securities. Performance information may have changed since the time of publication. Past performance is not indicative of future results.

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Becky Pokora
Becky Pokora
Credit Card Rewards Expert

With more than 50 million redeemed miles under her belt, Becky Pokora is a rewards travel expert. She's been writing about credit cards and reward travel since 2011 with articles on Forbes Advisor, BoardingArea, The Points Guy and more. Her redemptions have helped her travel to more than 50 countries and all seven continents.

Credit Score ranges are based on FICO® credit scoring. This is just one scoring method and a credit card issuer may use another method when considering your application. These are provided as guidelines only and approval is not guaranteed.
Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
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Earn 10% back across seven brands for your first 30 days from account opening or special financing for 12 months on qualifying purchases of $750 or more
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