Chip Lupo, Credit Card Writer
@CLoop
One of the easiest credit cards to get with fair credit is the Petal® 1 Visa® Credit Card. This credit card is available to people with limited credit or better, reports monthly to the three main credit bureaus, and gives cardholders 2% to 10% cash back on purchases from select merchants. It also has a $0 annual fee. And if you’re lucky, you may even get approved for the Petal® 2 Visa® Credit Card instead, since you’ll be considered for both cards when you apply.
In general, the easiest type of credit card to get is a secured card or an unsecured card for bad 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 meeting them. Checking for pre-approval will give you a good idea of which credit cards will be easiest to get with your fair credit score.
Easy Credit Cards to Get With Fair Credit
- Best Overall: Petal® 1 Visa® Credit Card
- Best for Rewards: Capital One QuicksilverOne Cash Rewards Credit Card
- Best for No Annual Fee: Capital One Platinum Credit Card
- Best for a Low Deposit: Capital One Platinum Secured Credit Card
- Best for No Credit Check: OpenSky® Secured Visa® Credit Card
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. And if you consistently pay on time, you should see your credit score start moving up toward the good credit range.

HSBC Premier World Credit Card
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.
Daniel Thompson, Member
@daniel_thom_3
Pretty much all store cards are easy to get with fair credit.
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