There is no Barclaycard for fair credit. All Barclays credit cards require at least good credit, and some require an excellent score. So if your score is below 660, a Barclaycard application probably won’t end in success. But plenty of issuers other than Barclaycard have credit cards for fair credit or below. Capital One and Discover are two of the best, with offers that require just fair, limited or even bad credit for approval.
Here’s what to get instead of a Barclaycard for fair credit:
$39 annual fee and no foreign transaction fee. 1.5% cash back on all purchases. 26.99% (V) APR. Access to a higher credit line possible after you make 5 consecutive monthly payments on time. You can get this card with fair or limited credit.
No annual fee or foreign transaction fee. No rewards. 26.99% (V) regular APR. Credit limit increase possible after you make 5 consecutive monthly payments on time. You can get this card with fair or limited credit.
No annual fee. 2% cash back on your first $1,000 spent at gas stations and restaurants each quarter. 1% cash back everywhere else. Discover matches all the rewards you earned the first year. 22.99% (V) APR. $200 minimum security deposit. You can get this card with bad credit.
No annual fee. 5% off at Target and Target.com, excluding the pharmacy and select brands. You get an extra 30 days for returns, free shipping on Target.com purchases, and early access to special promotions. 22.9% (V) APR. You can get this card with fair credit.
There’s no Barclaycard for fair credit, but there are alternatives from other credit card companies that have both good rewards and low fees. And a Barclaycard isn’t out of reach forever. If you pay your bills on time and stay well below your credit limit, you’ll move up to the good credit range in no time.