Find the Best Credit Cards for Fair Credit Scores

The best credit cards for fair credit scores are within your reach. Browse BestCards.com’s reviews of credit cards for fair credit today. You might just find the perfect credit card for your needs. Learn more about credit scores.

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Chime Credit Builder Visa® Secured Credit Card

Chime Credit Builder Visa® Secured Credit Card
  • Regular Purchase APR See Terms
  • Cash Advance APR See Terms
  • Annual Fee None
  • Credit Needed Fair , Poor
  • Processing Network Visa
Best Benefits
  • No annual fee or interest
  • No credit check performed when applying
  • No minimum security deposit required
  • Ideal for everyday purchases to help build credit with regular on-time payments
Rates & Fees
  • Regular Purchase APR: See Terms
  • Cash Advance APR: See Terms
  • Cash Advance Transaction Fee: $2.50 per transaction
Credit Card Deals

Divvy Credit Card

Divvy Credit Card
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • Ideal for companies that struggle with expense reports, reimbursements, receipts, and expensive annual service contracts
  • Combines seamless expense management software with business cards so you never have to process another expense report
  • No interest rates
  • No annual fee
  • No contract, no obligations
Rates & Fees
  • Foreign Transaction Fee: See Terms
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms
Credit Card Deals

Mission Lane Visa® Credit Card

Mission Lane Visa® Credit Card
  • Regular Purchase APR 26.99 – 29.99% (Variable)
  • Cash Advance APR 29.99% variable based on the Prime Rate
  • Annual Fee $0-$59
  • Credit Needed Fair
  • Processing Network Visa
Best Benefits
  • See if you qualify instantly without harming your credit score
  • Get a higher credit line if you're in good standing after making your first 6 payments on time
  • Free, online credit score access for cardholders
  • Instant decision on your application
  • No interest on purchases when you pay in full and on time each month
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®
  • Access your account anytime, anywhere with our mobile app
Rates & Fees
  • Regular Purchase APR: 26.99 – 29.99% (Variable)
  • Cash Advance APR: 29.99% variable based on the Prime Rate
  • Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
  • Annual Fee: $0-$59
  • Foreign Transaction Fee: If the transaction occurs at a merchant outside of the U.S., the fee is 3% of the U.S. dollar amount of the transaction, regardless of whether a currency conversion is performed at the time of the transaction
  • Late Payment Penalty Fee: Up to $35
Credit Card Deals

Upgrade Triple Cash Rewards Visa®

Upgrade Triple Cash Rewards Visa®
  • Regular Purchase APR 8.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR 8.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Annual Fee None
  • Credit Needed Excellent , Good , Fair
  • Processing Network Visa
Best Benefits
  • Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
Rates & Fees
  • Regular Purchase APR: 8.99% to 29.99% variable based on creditworthiness and the Prime Rate
  • Balance Transfer APR: 8.99% to 29.99% variable based on creditworthiness and the Prime Rate
Credit Card Deals

Buy On Trust Lending

Buy On Trust Lending
  • Regular Purchase APR See Terms
  • Balance Transfer APR See Terms
  • Annual Fee See Terms
  • Credit Needed Fair , Poor
  • Processing Network N/A
Best Benefits
  • 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
Rates & Fees
  • Regular Purchase APR: See Terms
  • Balance Transfer APR: See Terms
  • Penalty APR: See Terms
  • Annual Fee: See Terms
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms

NetFirst Platinum Card

NetFirst Platinum Card
  • Regular Purchase APR 0%*
  • Annual Fee None*
  • Credit Needed Fair , Poor
  • Processing Network N/A
Best Benefits
  • Instant Approval / $750 Credit Line!
  • No Employment or Credit Check
  • Reports to Major Bureau
  • Bad Credit, No Credit - OK
  • Always 0.00% APR
  • Fast Online Application
  • *See Card for Details
Rates & Fees
  • Regular Purchase APR: 0%*
  • Annual Fee: None*

Freedom Gold Card

Freedom Gold Card
  • Regular Purchase APR 0%*
  • Annual Fee None
  • Credit Needed Fair , Poor , No Credit Required
  • Processing Network N/A
Best Benefits
  • $750 Unsecured Credit Line
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast Online Application
  • Reports to a Major Credit Bureau
  • Bad Credit - OK
  • *See site for details
Rates & Fees
  • Regular Purchase APR: 0%*

Destiny™ Mastercard®

Destiny™ Mastercard®
  • Regular Purchase APR 24.9%
  • Cash Advance APR 29.9%
  • Annual Fee $59 to $99 depending on the card issued
  • Credit Needed Good , Fair , Poor
  • Processing Network Mastercard
Best Benefits
  • Accepted nationwide, wherever Mastercard is accepted
  • Simple and fast application process
  • Less than perfect credit is okay
  • An opportunity to build and access credit
Rates & Fees
  • Regular Purchase APR: 24.9%
  • Cash Advance APR: 29.9%
  • Cash Advance Transaction Fee: $0 during the first year. After that, either $5 or 5% of the amount of each cash advance, whichever is greater (max $100)
  • Penalty APR: 29.9%
  • Annual Fee: $59 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
Credit Card Deals

Surge Mastercard® Credit Card

Surge Mastercard® Credit Card
  • Regular Purchase APR See Terms*
  • Cash Advance APR See Terms*
  • Annual Fee See Terms*
  • Credit Needed Fair , Poor
  • Processing Network Mastercard
Best Benefits
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required
Rates & Fees
  • Regular Purchase APR: See Terms*
  • Cash Advance APR: See Terms*
  • Cash Advance Transaction Fee: See Terms*
  • Annual Fee: See Terms*
  • Foreign Transaction Fee: See Terms*
  • Late Payment Penalty Fee: See Terms*
  • Return Payment Penalty Fee: See Terms*
Credit Card Deals

Total Visa® Unsecured Credit Card

Total Visa® Unsecured Credit Card
  • Regular Purchase APR See Terms
  • Cash Advance APR See Terms
  • Annual Fee See Terms
  • Credit Needed Fair , Poor
  • Processing Network Visa
Best Benefits
  • Fast and easy application process; response provided in seconds
  • A genuine Visa® card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (Subject to available credit)
  • Multiple card designs available
  • Offer not guaranteed; response provided in seconds.
  • Rebuilding credit depends on factors like making on-time payments, keeping balance below credit limit and paying at least the minimum monthly payment.
Rates & Fees
  • Regular Purchase APR: See Terms
  • Cash Advance APR: See Terms
  • Cash Advance Transaction Fee: See Terms
  • Annual Fee: See Terms
  • Late Payment Penalty Fee: See Terms
  • Return Payment Penalty Fee: See Terms
Credit Card Deals

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:

Best for: Credit Limit Increases

Merrick Bank Double Your Line™ Platinum Visa®

merrick bank double your line visa platinum
Build Credit w/ Double Your Limit!
  • See If You Are Pre-Approved Within Minutes
  • Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies
☆ 2X Your Limit with 7 On Time Payments
☆ No security deposit required
☆ 100% U.S.-based customer service
☆ FICO® Credit Score for free each month

Increase your credit limit in just seven months with the Merrick Bank Double Your Line™ Platinum Visa® Credit Card. The card offers the opportunity to automatically double your credit line with seven on-time payments after opening an account – for an annual fee as low as $0.

Best for: Recent Immigrants

Sable One Secured Mastercard®

Start Building Positive Credit History
  • Earn up to 2% cash back on select purchases
  • Earn 1% cash back on all other purchases
  • No annual fee
☆ Perfect for New to Credit/ Immigrants
☆ No Credit Check to Apply
☆ Build Credit & Earn Rewards
☆ Mobile Wallet Compatibility

The Sable One Secured Mastercard Credit Card is a fintech secured card that helps build a positive credit history in the United States – without any hidden fees and with no credit checks. Sable’s digital-first platform is a great feature that provides an interface most young adults will be immensely familiar with and removes much of the strain and anxiety that opening a secured credit card (or even a bank account) in a branch can cause.

Best for: Rewards

Upgrade Visa® Card with Cash Rewards

upgrade visa credit card
Earn Unlimited Cash Back
  • Unlimited 1.5% cash abck on all purchases
  • No fees of any kind!
☆ $0 Annual Fee, $0 Maintenance Fees
☆ Quick Online Pre-Approval
☆ Exceptionally Low APR

The Upgrade Visa® Card with Cash Rewards offers no fees, low rates, cash back, and credit lines 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.

Best for: Fast Approval

Revvi Credit Card

revvi large
Don’t Need Perfect Credit to Apply
  • Simple and fast application process
  • Monthly reporting to all 3 major credit bureaus
  • $300 credit limit (subject to available credit)
☆ Quick Pre-Qualification
☆ Perfect for Building Credit
☆ Ideal for everyday purchases to help build credit

The Revvi Credit 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.