The best unsecured credit card for fair credit is Upgrade Visa® Card with Cash Rewards because it offers unlimited 1.5% cash back on all purchases (after you pay the bill) and a $0 annual fee. There’s a 0% foreign transaction fee, too.
Another good unsecured card for fair credit is the Amazon.com Store Card. It offers a $10 Amazon gift card after approval and you can get 5% cash back on all Amazon purchases if you have a Prime membership.
Pretty much all credit cards for fair credit are unsecured, though. Secured credit cards (those requiring a refundable security deposit) are meant for people with bad credit or no credit. But there are unsecured cards for every credit level, including bad credit. And while fair credit won’t get you the very best unsecured cards, it should qualify you for an account with no annual fee, solid rewards or maybe even both.
It’s always a good idea to shop around before picking out an unsecured credit card for fair credit. Take some time to decide whether you want to prioritize rewards, interest rates, fees or other aspects. Upgrade Credit Card is probably your best option overall because of its high cash back rate and no fees.
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 … read full answerPetal® 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.
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.
The easiest unsecured credit cards to get generally work best for minor emergencies. You will only receive a small amount of spending power, after all.
Unsecured credit cards for people with bad credit also tend to be very expensive, charging lots of fees and high interest rates. So, if you don’t need a small emergency loan, the best course of action is to improve your credit inexpensively with a secured card. Secured cards are cheaper than unsecured cards, build credit just as effectively, and offer the closest thing you’ll find to guaranteed approval.
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