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Indigo Mastercard
Choose Your Own Card Design
- Regular Purchase APR 24.90%
- Cash Advance APR 29.99%
- Annual Fee $0 to $99 depending on the card issued
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor
- Processing Network Mastercard
- Great for demonstrating responsible use of credit
- Short and easy-to-complete pre-qualification form
- 24/7 mobile account access
- Choose your card design free of charge
- Regular Purchase APR: 24.90%
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater (not to exceed $100)
- Penalty APR: 29.9%
- Annual Fee: $0 to $99 depending on the card issued
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- Over Limit Penalty Fee: Up to $40
+ 1.6% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 2.5% cash back
+ 2.5% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 0.8% cash back
Milestone Mastercard
No Credit Score Impact When You Apply
- Regular Purchase APR 24.9%
- Cash Advance APR 29.9%
- Annual Fee $35 to $99
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor
- Processing Network Mastercard
- Extended warranty protection
- Fraud liability
- Price protection
- Reports to major credit bureaus
- Regular Purchase APR: 24.9%
- Cash Advance APR: 29.9%
- Cash Advance Transaction Fee: $0 during the first year; after first year, either $5 or 5% of the amount of transaction
- Penalty APR: 29.9%
- Annual Fee: $35 to $99
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- Over Limit Penalty Fee: Up to $40
+ 1.6% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 2.5% cash back
+ 0.8% cash back
+ 2.5% cash back
+ 0.4% cash back
+ 0.8% cash back
Destiny™ Mastercard®
No Security Deposit Required
- Regular Purchase APR 24.9%
- Cash Advance APR 29.9%
- Annual Fee $75 the first year; $99 thereafter
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor
- Processing Network Mastercard
- Accepted nationwide, wherever Mastercard is accepted
- Simple and fast application process
- Less than perfect credit is okay
- An opportunity to build and access credit
- Regular Purchase APR: 24.9%
- Cash Advance APR: 29.9%
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater (max $100)
- Annual Fee: $75 the first year; $99 thereafter
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- Over Limit Penalty Fee: Up to $40
+ 0.8% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.6% cash back
+ 2.5% cash back
+ 2.5% cash back
+ 0.8% cash back
Ramp Card
No Personal Credit Check or Founder Guarantee
- Regular Purchase APR See Terms
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good , Fair , Poor
- Processing Network Visa
- Earn unlimited 1.5% cash back on every purchase
- No fees – including foreign transaction, setup, or replacement fees
- Use to shop at any retailer worldwide that accepts Visa cards
- Add virtual cards to your Apple Wallet or Google Pay
- Block or restrict spending to a specific vendor – for either a specific card or your entire company
- Regular Purchase APR: See Terms
+ 0.8% cash back
+ 0.8% cash back
+ 2.5% cash back
+ 1.6% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 2.5% cash back
+ 0.8% cash back
First Latitude Platinum Mastercard® Secured Credit Card
Start Building Your Credit with as Little as $100
- Regular Purchase APR 23.49% (Variable)
- Cash Advance APR 28.49% (Variable)
- Annual Fee $25 for the first year, after that $35 annually
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor , No Credit Required
- Processing Network Mastercard
- Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
- Building credit starts immediately when you open your account - just pay your bill on time to establish your credit.*
- Reports to all 3 major credit bureaus
- First Latitude is accepted wherever Mastercard® is accepted, online and worldwide!
- Pay 6-months-on-time and apply to get a second credit card in your wallet!
- *Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- Regular Purchase APR: 23.49% (Variable)
- Cash Advance APR: 28.49% (Variable)
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $25 for the first year, after that $35 annually
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $30
- Minimum Deposit Required: $100
+ 2.5% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 1.6% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 2.5% cash back
Buy On Trust Lending
Up to $5,000 Approval
- Regular Purchase APR See website for Details*
- Balance Transfer APR See website for Details*
- Annual Fee See website for Details*
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor , No Credit Required
- Processing Network N/A
- With an initial payment of just $50, you can afford to shop from all the top brand names
- Buy On Trust TODAY, Pay LATER
- All The Big Name Brand Laptops, TV's & More
- Up to $5,000 approval
- Regular Purchase APR: See website for Details*
- Balance Transfer APR: See website for Details*
- Penalty APR: See website for Details*
- Annual Fee: See website for Details*
- Late Payment Penalty Fee: See website for Details*
- Return Payment Penalty Fee: See website for Details*
+ 0.8% cash back
+ 2.5% cash back
+ 0.8% cash back
+ 1.6% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.5% cash back
Self Visa® Credit Card
Get the Savings Plan That Helps Build Credit Today!
- Regular Purchase APR 28.24%
- Annual Fee $25
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor , No Credit Required
- Processing Network Visa
- Get the savings plan that helps build credit today
- Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus
- Sample product: A $539.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.97%. Please refer to www.self.inc/pricing for the most recent pricing options
- No credit score is needed to get started
- Your money is secured and protected in a bank account
- Regular Purchase APR: 28.24%
- Annual Fee: $25
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $15
+ 0.8% cash back
+ 0.8% cash back
+ 1.6% cash back
+ 0.8% cash back
+ 0.4% cash back
+ 2.5% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.5% cash back
+ 1.2% cash back
Applied Bank® Secured Visa® Gold Preferred® Credit Card
Automatic Reporting to All Three National Credit Bureaus
- Regular Purchase APR 9.99% Fixed Rate
- Cash Advance APR 9.99% Fixed Rate
- Annual Fee $48
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Fair , Poor
- Processing Network Visa
- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000
- Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
- Regular Purchase APR: 9.99% Fixed Rate
- Cash Advance APR: 9.99% Fixed Rate
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $48
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- Minimum Deposit Required: $200
+ 0.8% cash back
+ 0.8% cash back
+ 1.6% cash back
+ 2.5% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.5% cash back
+ 1.2% cash back
+ 0.4% cash back
Sam's Club® Mastercard®
Doubles As Your Membership Card
- Regular Purchase APR 19.90% or 27.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 19.90% or 27.90% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 19.90% or 27.90% variable based on creditworthiness and the Prime Rate
- Annual Fee None
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Excellent , Good , Fair
- Processing Network Mastercard
- Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
- Earn 3% cash back on Sam's Club purchases for Plus members. Club members earn 1% cash back
- Earn 3% cash back on dining and takeout
- Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted
- No annual fee
- Regular Purchase APR: 19.90% or 27.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 19.90% or 27.90% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 19.90% or 27.90% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
+ 2.5% cash back
+ 0.4% cash back
+ 1.2% cash back
+ 0.8% cash back
+ 2.5% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 1.6% cash back
+ 0.8% cash back
+ 0.8% cash back
Merrick Bank Secured Credit Card
Great for People Looking to Build or Rebuild Credit
- Regular Purchase APR 21.70% Variable
- Cash Advance APR 26.70% Variable
- Annual Fee $36 for first year. Billed $3 per month thereafter
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Credit NeededBestCards.com uses a variation of FICO Score 8, which is one of many different types of credit scores. A financial institution may use a different score when deciding whether to approve you for a credit card.Good , Fair , Poor
- Processing Network Mastercard
- Choose your own credit line based on how much money you want to put down as a security deposit
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies
- Get your FICO® Credit Score for free each month
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts
- Card issued by Merrick Bank, Member FDIC
- Regular Purchase APR: 21.70% Variable
- Cash Advance APR: 26.70% Variable
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: $36 for first year. Billed $3 per month thereafter
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- Minimum Deposit Required: $200
+ 0.8% cash back
+ 0.4% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 0.8% cash back
+ 2.5% cash back
+ 2.5% cash back
+ 1.6% cash back
+ 1.2% cash back
You've viewed 10 of 177 credit cards
What Is a Fair Credit Score?
A fair, or average, credit score is one that isn’t good but still qualifies the individual for a wider selection of credit cards than those with bad credit or no credit history at all.
There are different standards of what is an “average” credit score, depending on the scoring model the card issuer uses. The two most popular scoring models are FICO and VantageScore. FICO is the older of the two, while VantageScore is a creation of the three major credit bureaus, designed to offer a different viewpoint to FICO.
FICO is by far the more popular scoring system, with over 90% of lenders preferring the FICO method to gauge an applicant’s creditworthiness. On the FICO scale, a “fair” credit score is between 580 and 669. The FICO system ranges from 300 (no credit/ very poor) to 850 (exceptional). So, everyone wondering if a 600 credit score is average can rest assured, that yes, it is.
VantageScore is similar to FICO but places a larger emphasis on newer credit. Like FICO, VantageScore ranges from 300 to 850, with fair credit ranging from 601 to 660. A 600 credit score with VantageScore, therefore, is “poor.”
Is Fair Credit Bad?
While having an average credit score isn’t the worst, it isn’t good either. People with fair credit are considered subprime by lenders. Being subprime means that when applying for a credit card, the applicant will receive higher interest rates than those with excellent credit. They also may not have access to the best rewards, balance transfer offers (including 0% APR or $0 balance transfer fees), and more.
That said, having fair credit isn’t bad either. Many people with a fair credit score still have access to unsecured credit cards. Unsecured cards are what people typically think of when they imagine a credit card. Unlike secured credit cards, which require a deposit, no deposit is required with a traditional credit card.
Average Credit Score Statistics
While a credit score between 600 to 650 is subprime, it isn’t unusual. According to Experian, on the three largest credit bureaus, 17% of Americans have a fair credit score. Additionally, 16% of Americans have a poor credit score. This means that a third of people with a FICO score have subprime credit.
With VantageScore, the average is even higher. Using their scoring method, 38% of Americans have subprime credit, with 13% of those having an average credit score.
Common Features of Fair Credit Score Cards
Credit cards for average credit scores in the 600s have some common features. These features include:
Interest Rates
People with fair credit typically pay the highest interest rates. The current average APR for someone with average credit is around 26%, while those with bad credit pay around 19%.
Why do those with average credit scores pay more? The reason is that most credit cards for bad credit are secured cards. Secured cards require a security deposit, and since they are easier to get than an unsecured card, they feature fixed rates to cover the entire score range that hold them.
Unsecured cards offer greater risk to lenders because there is no deposit requirement. Because of this, those with fair credit pay higher interest rates. Paying your statement balance in full each month negates this high rate, however. Plus, you’ll save money on the security deposit.
Credit Limits
Credit limits for average credit are lower than those for excellent credit. Individuals with excellent credit have an average new credit line of around $10,000, while those with good credit are about $6,000. Both of these credit scores are prime, or super-prime. There are no credit cards with a $10,000 limit guaranteed for fair credit.
People with subprime credit scores receive much lower credit limits, as their credit score makes them seem risky to lenders. The average new credit limit for a credit score in the 600s is around $2,750.
While it may be tough to get a fair credit score credit card with a high limit, improving your credit score with on-time payments, low credit utilization, and other good habits can lead to credit line increases over time.
Rewards
While not common, there are some quality rewards credit cards for people with a fair credit score. Two of the most popular rewards cards for average credit scores are the Discover It and the ABOC Platinum Rewards Mastercard. Both of these cards provide 5% cash back in a rotating selection of categories. Again, improving your credit score can open the way for better rewards card offers in the future.
The Best Credit Cards for Average Credit Scores
Credit cards for 600 credit scores don’t have to be “average.” Here are some of the top credit card offers for fair credit:
Upgrade Cash Rewards Visa®
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Unlimited 1.5% cash abck on all purchases
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No fees of any kind!
☆ $0 Annual Fee, $0 Maintenance Fees
☆ Quick Online Pre-Approval
☆ Exceptionally Low APR
The Upgrade Cash Rewards Visa® offers no fees, low rates, cash back, and credit lines of up to $20,000 in one unique package. The card provides the flexibility and predictability consumers need to quickly pay down balances and get debt-free. The Upgrade credit card is one of the lowest regular APR credit cards on the market for those with excellent credit scores, putting it firmly on any list of the best balance transfer credit card deals of 2020 – or any list of the best credit cards in the U.S.
Revvi Card
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Simple and fast application process
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Monthly reporting to all 3 major credit bureaus
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$300 credit limit (subject to available credit)
☆ Quick Pre-Qualification
☆ Perfect for Building Credit
☆ Ideal for everyday purchases to help build credit
The Revvi Card is an unsecured Visa that provides a great platform for repairing credit – or building a positive history. The card provides an initial credit line of $300, the features of a full-fledged Visa (including acceptance by nearly all merchants in the United States), and an excellent platform for improving credit.