“Fair credit” is not easy to define, because different banks will treat customers in different ways. FICO defines fair credit as those having credit scores between 580-669. But some credit card issuers consider fair credit to be in a higher range, topping at about a 700 credit score. (Last year FICO said the average credit score was 700.) For our purposes, we consider fair credit cards to be in the credit score range of 600-700. The cards below accept fair credit customers, and we’ve listed them based on your chances for approval — the higher the card is on this list, the better your approval odds. But this is not an exact science! (Don’t know your credit score? It’s easy to get it for free with no strings attached.)

Easiest:

  • Indigo® Platinum Mastercard® – Simple and fast application process. Don’t have perfect credit? No problem! Free 24/7 account access and bill pay from anywhere. No security deposit. Account history is reported to the three major credit bureaus in the U.S. ***
  • Credit One Bank® Platinum Visa® for Rebuilding Credit – See if you Pre-Qualify without harming your credit score. Track your progress with free online access to your Experian credit score, terms apply. Looking to rebuild credit? We report to the major credit bureaus monthly. ***

Not as easy, but open to lower end of fair credit:

  • Capital One Platinum Mastercard – No frills credit card has a high 24.99% interest rate but no annual fee. No rewards. Not a great credit card, but if your credit score is on the lower end of “fair,” this might be your best shot at getting an unsecured credit card from one of the biggest card issuers.
  • Capital One QuicksilverOne Rewards – Good rewards card with 1.5% cash back on all your purchases, but it comes with a $39 annual fee and a high 24.99% interest rate.


Possible for fair credit customers with higher credit scores:

  • PayPal Cashback Mastercard – Earn 2% on all purchases, redeemed into your PayPal account. No annual fee. For those approved, interest rate of either 16.99%, 24.99%, or 27.99%. The lower your credit score in the “fair” range, the higher the interest rate you can expect.
  • Blue Delta SkyMiles American Express – Earn Delta Airlines miles with every purchase. No annual fee. For those approved, interest rate anywhere from 16.99% to 25.99%. The lower your credit score in the “fair” range, the higher the interest rate you can expect.
  • Hilton Honors American Express – Earn points toward Hilton hotel stays. No annual fee. For those approved, interest rate anywhere from 16.99% to 25.99%. The lower your credit score in the “fair” range, the higher the interest rate you can expect.
  • NFL Credit Card – Earn points toward National Football League rewards. No annual fee. For those approved, interest rate of either 16.24%, 21.24%, or 26.24%. The lower your credit score in the “fair” range, the higher the interest rate you can expect.
  • Blue Sky from American Express – Earn one travel point per dollar, redeem points at a ration of 7500 points = $100 in travel. No annual fee. For those approved, interest rate of either 18.49%, 21.49%, or 23.49%. The lower your credit score in the “fair” range, the higher the interest rate you can expect.
  • AARP Credit Card – Cash back card offers 3% rebates on restaurant and gas station purchases, 1% everywhere else. No annual fee. For those approved, interest rate anywhere from 17.49% to 24.24%. The lower your credit score in the “fair” range, the higher the interest rate you can expect.
  • United TravelBank Card – Earn points/cash that you can redeem toward United Airlines purchases. You get 2% in rebates on airline tickets purchased from United and 1.5% on all other purchases. No annual fee. For those approved, interest rate anywhere from 17.24% to 24.24%. The lower your credit score in the “fair” range, the higher the interest rate you can expect.
  • Chase Freedom Unlimited – Cash back credit card gives you 1.5% cash back on all purchases. No annual fee. For those approved, interest rate anywhere from 16.24% to 24.99%. The lower your credit score in the “fair” range, the higher the interest rate you can expect.
  • Chase Freedom Visa – Cash back credit card gives you 5% cash back in certain purchases categories that change each calendar quarter. Al other purchases earn 1% cash back. No annual fee. For those approved, interest rate anywhere from 16.24% to 24.99%. The lower your credit score in the “fair” range, the higher the interest rate you can expect.
  • Chase Slate Card – This card’s main feature is the 0% interest rate it offers on purchases and balance transfers for the first 15 months you have. No rewards. For those approved, interest rate anywhere from 16.24% to 24.99%. The lower your credit score in the “fair” range, the higher the interest rate you can expect.
  • Uber Visa – Nice cash back card gives 4% rebate on dining purchases, 3% on hotels & airfare, 2% on online purchases, and 1% on everything else. No annual fee. For those approved, interest rate of either 16.24%, 21.99%, or 24.99%. The lower your credit score in the “fair” range, the higher the interest rate you can expect.
  • Bank of America Travel Rewards – Travel credit card gives 1.5 points per dollar spent with the card. Use points to offset your travel expenses, at a penny per point. Example: 10,000 points = $100 in travel. No annual fee. For those approved, interest rate anywhere from 16.24% to 24.24%. The lower your credit score in the “fair” range, the higher the interest rate you can expect.
  • Citi Simplicity Card – No rewards. Get a 0% rate on purchases and balance transfers for the first 18 months, though. Also promises no late fees and no penalty rates. No annual fee. For those approved, interest rate anywhere from 15.24% to 25.24%. The lower your credit score in the “fair” range, the higher the interest rate you can expect.
  • Capital One Savor Dining Rewards – Cash back credit card offers 3% rebates on dining, 2% on groceries, and 1% on all other purchases. No annual fee. For those approved, interest rate anywhere from 15.74% to 24.49%. The lower your credit score in the “fair” range, the higher the interest rate you can expect.

*** This site is compensated when you are approved for this card.