Chip Lupo, Credit Card Writer
@CLoop
The Petal® 2 Visa® Credit Card is one of the easiest credit cards to get with fair credit because you could get approved even with limited credit history. It also has a $0 annual fee and rewards you with 1 - 1.5% cash back on purchases.
Easy Credit Cards to Get with Fair Credit
- Overall: Petal® 2 Visa® Credit Card
- Cash Rewards: Capital One QuicksilverOne Cash Rewards Credit Card
- Credit Building: Capital One Platinum Credit Card
- Secured Card: Bank of America® Unlimited Cash Rewards Secured Credit Card
- No Credit Check: opensky® Plus Secured Visa® Credit Card
- No Deposit: OneMain Financial BrightWay® Card
In general, the easiest type of credit card to get is a secured card or an unsecured card for bad credit or no credit. There are plenty of credit cards that require fair credit at a minimum, but if easy approval is what you’re after, you’ll want to exceed the card’s requirements rather than just meet them. Checking for pre-approval will give you a good idea of which credit cards will be easiest to get with a fair credit score.
Ultimately, it’s not hard to find easy credit cards to get with fair credit – even ones with rewards. But it is hard to find worthwhile 0% intro APRs on cards for fair credit. So, it’s probably best to pay off your balance in full each month. Plus, if you consistently pay on time, you should see your credit score start moving up toward the good credit range.
Popular Credit Cards for Fair Credit from Our Partners
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Starter Card
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Everyday Cash Back
Lily CC, Member
@lily_camp
The easiest card for fair credit is probably a starter card like Cap 1 Platinum / QuicksilverOne, or one of the Petal cards. So aim for a card that accepts limited / no credit.
Victoria Price, Member
@vic_price
Try Citi Double Cash. It’s maybe not the easiest, but you can get it with fair credit, and it’s really good. Try to get preapproved first if that makes you feel better.
Elisabeth Braves, Member
@elisabeth_b
I like the Capital One QuicksilverOne credit card. It's got great cash back rewards, 1.5% on all purchases. It does have an annual fee, but it's only $39.
So as long as you spend a few grand a year and pay it off on time, you’re saving, right?
Daniel Thompson, Member
@daniel_thom_3
Pretty much all store cards are easy to get with fair credit.
People also ask
What are the easiest department store credit cards to get?
One of the easiest department store credit cards to get approved for is the Montgomery Ward Credit Account, if you count an online retailer / mail catalog as a department store. You can get it with bad credit which is rare for a store card.
Pretty much all other store credit cards require fair credit (640+ score) for approval. But that still means most department store credit cards are easy to get for most people. It also...
read full answer by WalletHub, Financial CompanyWhat are the best credit cards for fair credit with instant approval?
The best instant approval credit cards for fair credit are the Upgrade Cash Rewards Visa® and the Petal® 2 Visa® Credit Card. Both cards are available to people with fair/average credit, offer rewards, and have $0 annual fees, and you can get an instant decision when you apply online.
Just keep in mind that instant approval only means your application can be evaluated in real time and you may get an instant decision. This does not guarantee approval, as applicants can still be denied...
read full answer by John S Kiernan, Managing EditorWhat are the best credit cards for a 600 credit score?
One of the best credit cards you can get for a 600 credit score is the Capital One Quicksilver Secured Cash Rewards Credit Card (see details, rates & fees). This card comes with generous rewards, offering 1.5 - 5% cash back on purchases, and it also has a $0 annual fee.
Generally, the best credit cards for a 600 credit score are secured cards because they offer easy approval and are usually much less expensive than unsecured credit cards for bad credit. Secured credit cards require a security deposit, and the card’s credit limit is equal to the amount...
read full answer by WalletHub, Financial CompanyDid we answer your question?
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