Lisa Cahill, Credit Cards Moderator
@lisacahill
Some good credit cards for fair credit with no deposit are the Capital One Platinum Credit Card and the Capital One QuicksilverOne Cash Rewards Credit Card. The Capital One QuicksilverOne Cash Rewards Credit Card gives 1.5% cash back on every purchase but has a $39 annual fee. You get the opposite with the Capital One Platinum Credit Card. It has a $0 annual fee but no rewards. Both cards have high APRs.
Both cards share a feature where you may get access to a higher credit line in as little as 6 months. Plus, Capital One cards don’t have foreign transaction fees.

HSBC Premier World Credit Card
John S Kiernan, Managing Editor
@John
The best unsecured credit card for fair credit is Upgrade Visa® Card with Cash Rewards because it offers unlimited 1.5% 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 upon approval and you can get 5% back in rewards 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.
Best Credit Cards for Fair Credit
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.
Argan Exsar, Member
@argan_exsar
If you’re into online shopping, you can’t go wrong with the Amazon.com Store Card. Yes, you are limited to purchases on amazon.com. But if you’re a Prime member, you’ll get 5% back in rewards on all of your purchases. There’s a $0 annual fee, too, though you’ll have to pay $119 a year for a Prime membership to get the 5% back in rewards benefit. You’ll also get a $10 Amazon.com gift card loaded to your Amazon account after approval.
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