Credit Cards for Fair Credit with No Annual Fee
Credit cards for fair credit with no annual fee are specifically designed for people with credit scores in the 620-659 range who are looking for a means of building credit at the lowest possible cost. After opening one of the credit cards for fair credit with no annual fee listed below, you have two options: either pay your bill in full every month or avoid using your card at all. Either way, the positive information in your major credit reports will increase, and your credit score will gradually rise. What’s more, this will essentially happen for free, as long as you have the discipline to avoid carrying a monthly balance. With that in mind, compare the various no annual fee credit cards for fair credit listed below (some of the offers are issued by WalletHub advertising partners) in order to find the card that will best suit your particular needs.
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- Pay no annual fee
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- Get access to your account 24 hours a day, 7 days a week
- Help strengthen your credit for the future with responsible card use
- See More Details & Reviews About TheCapital One® Platinum Credit Card
- Enjoy our lowest rate card.
- Pay no annual, penalty APR or foreign transaction fees
- Get travel and retail benefits
- Special Benefits for Military: Reduced Rate: Get 4% APR on all balances for up to 12 months during deployment or PCS. After 12 months, the regular APR of between 7.90% and 24.90% will apply. This rate will vary with the market based on the prime rate.Special 4% SCRA Rate: When you have a balance on your account at the time you enter active military duty, get 4% APR on that existing balance until one year after you complete active duty.
- Security Benefits: Chip card technology has added security when used at a chip-enabled terminal and greater acceptance worldwide. Zero liability coverage for unauthorized transactions if your card is lost or stolen. Collision damage waiver coverage pays for physical damage and theft to most rental vehicles. Get account balances and transaction history by sending a text message.Access your account on usaa.com or from a mobile device.
- See More Details & Reviews About TheUSAA Rate Advantage Platinum Visa®
- Get a $50 cash back bonus after you use your card to make a purchase, cash advance transaction or balance transfer in the first 90 days
- Earn 2% cash back on grocery store and utility (cable, phone, internet, electric and gas) purchases, and 1% cash back on all other purchases.
- You can transfer your cash back to any student loan (best value) and receive 25% student loan redemption bonus, deposit directly into a U.S. checking or savings account or receive a statement credit.
- No limit to the amount of cash back you can earn as long as your account is open, active and in good standing.
- $0 Fraud Liability protection
- Free online FICO® Credit Score access
- In order to take advantage of the 0% introductory APR on balance transfers you should submit your balance transfer request within 45 days of account opening.
- See More Details & Reviews About TheCommence™ Mastercard®
- Auto Rental Collision Damage Waiver
- See More Details & Reviews About TheStanford Federal Credit Union Secured VISA® Credit Card
Community Discussion
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended.
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