What are the best unsecured credit cards for fair credit?

Question

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 answer 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.

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Answer 1 · 2021-01-29 19:59:09

Lisa Cahill, Credit Cards Moderator

@lisacahill • 01/29/21 This answer was first published on 01/29/21. For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

Answer 2 · 2021-07-14 07:07:17

John S Kiernan, Managing Editor

@John • 07/14/21 This answer was first published on 01/21/21 and it was last updated on 07/14/21.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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

Overall Upgrade Visa® Card with Cash Rewards
Cash Rewards Capital One QuicksilverOne Cash Rewards Credit Card
No Annual Fee Capital One Platinum Credit Card
Amazon Purchases Amazon.com Store Card
Students Bank of America® Customized Cash Rewards Credit Card for Students
Newcomers Petal® 2 Visa® Credit Card

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.

Answer 3 · 2019-07-10 04:12:11

Argan Exsar, Member

@argan_exsar • 07/10/19 This answer was first published on 08/24/18 and it was last updated on 07/10/19.For the most current information about a financial product, you should always check and confirm accuracy with the offering financial institution. Editorial and user-generated content is not provided, reviewed or endorsed by any company.

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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.

What are the best unsecured credit cards for fair credit?

Lisa Cahill, Credit Cards Moderator

HSBC Premier World Credit Card

John S Kiernan, Managing Editor

Best Credit Cards for Fair Credit

Argan Exsar, Member

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