Credit Cards for Fair Credit with No Annual Fee
WalletHub makes it easy to find the best credit card for you.
There are three types of credit cards for fair credit with no annual fee (some offers are from WalletHub partners). For starters, nearly all store credit cards are available to people with limited credit and … show moreÂ
Â
Â
Â
… show moreÂ
show less
Â
Â
… show moreÂ
show less
Showing 1 – 8 of 8
One-Time Fees
→
None
Regular APR
→
5.75% - 25.99%
Additional Info
- Get up to 55% off - Save on a big selection of customer-favorite linens. Valid 12/27/19 - 2/17/20.
- Use Wards Credit and get payments as low as $10 a month on a huge selection of furniture, electronics, appliances, shoes, and more.
- Wards low monthly payments and fast approval process make it easy to use credit while shopping online or in our catalog
- Plus, you can build your credit line with us and save your cash and credit cards for other purchases!
- Montgomery Ward does not report to credit bureaus on open and active accounts
- *See all terms here
- See More Details & Reviews About TheMontgomery Ward Credit Account
Purchase Intro APR
→
N/A
Transfer Intro APR
→
N/A
Regular APR
→
26.49% (V)
Annual Fee
$0
Rewards Rate
periodic discounts
Minimum Credit
Fair Credit
Rewards Details
- Save 35% on your first purchase using your new Kohl’s Credit Card.
- Get another 15% discount when you card arrives in the mail. To be used on separate future order.
- This card entitles you to extra savings offers throughout the year.
Additional Info
- Use your Kohl's Cash® with your Kohl's Charge discounts.
- See More Details & Reviews About TheKohl's Credit Card
Purchase Intro APR
→
0% - 11.9% for 6 - 48 months
Transfer Intro APR
→
N/A
Regular APR
→
25.24% (V)
Annual Fee
$0
Rewards Rate
2.5 points / $1
Minimum Credit
Fair Credit
Rewards Details
- Get 5 points per $1 spent (10% back in rewards) on your first day of purchases made on the credit card within 14 days of account opening.
- Get 2.5 points per $1 spent (5% back in rewards) on qualifying Best Buy® purchases when you choose Standard Credit.
- Get 3 points (6% back in rewards) by spending at least $3,500 in purchases in a calendar year.
- Limited time offer: 10% back in rewards on select exercise equipment purchases.
- Choose 5% back in rewards or flexible financing options. Get a $5 reward certificate for every 250 points.
- Enjoy exclusive discounts and events and free shipping on purchases $35 and up
Additional Info
- Deferred Interest Details: No Interest if paid in full within 6 months on sitewide purchases of $199 or more and within 12 months on storewide purchases totaling $399 and more.
- Deferred Interest Details: No Interest if paid in full within 18 months on appliance and Geek Squad® purchases totaling $599 and more.
- Deferred Interest Details: No Interest if paid in full within 24 months on home theater and Geek Squad® purchases totaling $799 and up, on unlocked phones and Geek Squad® purchases of $649 or more.
- Deferred Interest Details: No Interest if paid in full within 24 months on select exercise equipment purchases of $799 and up.
- Limited-time offer - Deferred Interest Details: No Interest if paid in full within 24 months on Apple Watch Series 5, AirPods and AppleCare+ purchases of $649 and up.
- Extended purchasing plan - 11.9% APR for select purchases eligible for the 48 month reduced rate credit plan.
- See More Details & Reviews About TheBest Buy® Store Card
Purchase Intro APR
→
N/A
Transfer Intro APR
→
N/A
Regular APR
→
25.24% (V)
Annual Fee
$0
Rewards Rate
0 - 5 points / $1
Minimum Credit
Fair Credit
Rewards Details
- Save 20% when you open and use your card. A total savings of up to $100 on your purchases over first 2 days.
- All members get 25% off any day of choice with Star Passes. Savings events and more.
- Gold (Annual Spend $500 or more) & Platinum members (Annual spending $1200 or more) get free standard shipping on Macy's purchases and a Birthday Offer.
- Platinum members get 5% back (5 points/$1), Gold members get 3% back (3 points/$1) and Silver members get 2% (2 points/$1) in rewards with no exclusions on Macy’s merchandise.
Additional Info
- Add your Macy’s Credit Card to your wallet to access offers in-store and at macys.com.
- See More Details & Reviews About TheMacy's Store Card
Purchase Intro APR
→
0% for 6 - 18 months
Transfer Intro APR
→
N/A
Regular APR
→
25.24% (V)
Annual Fee
$0
Rewards Rate
None
Minimum Credit
Fair Credit
Additional Info
- Deferred Interest Details: No interest if paid in full within 6 or 12 months on automotive and tire purchases over $199 or $399 made at participating stores. No interest if paid in full within 12 months on automotive and tire purchases over $100 made online only.
- Deferred Interest Details: No interest if paid in full within 12 months on Fitness Equipment, Lawn and Garden items, Tools, Outdoor Living items, Sporting Goods, Fine Jewelry purchases over $299.
- Deferred Interest Details: No interest if paid in full within 12 months on select home appliances purchases over $499.
- Deferred Interest Details: No interest if paid in full within 12 or 18 months on select furniture purchases over $299 or $599, respectively. No interest if paid in full within 12 months on select Mattresses/Foundations purchases over $599.
- Get up to 5% off or special financing on select purchases.
- See More Details & Reviews About TheSears Store Card
Purchase Intro APR
→
0% for 18 - 48 months
Transfer Intro APR
→
N/A
Regular APR
→
27.49% (V)
Annual Fee
None
Rewards Rate
1 point / $1
Minimum Credit
Fair Credit
Rewards Details
- Get an extra 15% off today on select apparel, shoes, accessories, fine jewelry, salon products, furniture, mattresses, home and in-custom design. Extra 5% off select electrics/electronics, Modern Bride Design Your Dream Ring, smart watches and Tempur-Pedic. Terms Apply.
- Earn 1 point for every $1 of qualifying purchases, up to a maximum of 2,000 points in a single purchase transaction.
- Get a $10 JCPenney Rewards certificate for every 200 points.
- Earn additional JCP Rewards and discounts when you reach Gold or Platinum status with qualifying purchases and points
- Provide your email address to get your $10 rewards via email.
Additional Info
- Deferred Interest Details: No interest if paid in full within 18 months on qualifying furniture & mattress purchases of $499 after discounts). Valid through 5/10/2020.
- Equal Payment Financing: 0% APR for 48 months on qualifying furniture & mattress purchases of $1,499 (after discounts). Valid through 5/10/2020.
- See More Details & Reviews About TheJCPenney Credit Card
Purchase Intro APR
→
0% for 6 - 24 months
Transfer Intro APR
→
N/A
Regular APR
→
17.99% - 26.99%
Annual Fee
$0
Rewards Rate
None
Minimum Credit
Fair Credit
Additional Info
- Deferred Interest Details: No interest if paid in full within 6 months on purchases of $299 or more.
- Limited time offer - Choose between 5% off or financing options on installed fencing purchases: No interest if paid in full within 12, 18 or 24 months for purchases of $1999, $2999 or $3,999 or more, respectively.
- Get $25 off your first purchase of $25 up to $299, $50 off your first purchase of $300 up to $999 and $100 off your first purchase of $1,000 or more (valid until 7/29/2020). Terms Apply.
- Limited time offer: Get 24 Months Financing on Installed Kinetico® Water Treatment Purchases of at least $600.
- Limited time offer: Get 10% Off & Free Stain on Select Installed Lawn Master Outdoor Living Purchases and up to $500 Off Select Installed Sheds & Garages from Tuffshed®. Plus, get an additional 5% off by statement credit with either of the offers. Terms Apply.
- See More Details & Reviews About TheHome Depot® Credit Card
Purchase Intro APR
→
0% - 7.99% for 6 - 84 months
Transfer Intro APR
→
N/A
Regular APR
→
26.99%
Annual Fee
None
Rewards Rate
5% Cash Back
Minimum Credit
Fair Credit
Rewards Details
- Get 10% off your purchase today when you open and use your card (up to $100 discount).
- Choose 5% off every day, or select special financing when you use your Lowe's Store Card with a minimum purchase of $299.
Additional Info
- Deferred Interest Details: No interest if paid in full within 6 months on purchases of at least $299.
- Deferred Interest Details: No interest if paid in full within 12 months on appliances or installed heating, ventilation and air conditioning purchases of $299 or more (valid through 7/31/2020).
- Reduced APR Financing: 7.99% APR for 84 months on purchases or orders of at least $2,000.
- Online bill pay and account management
- See More Details & Reviews About TheLowe's Store Card
NO FOREIGN FEE
We're sorry, but after searching our extensive database, we were unable to locate any credit cards that match the following criteria: {{tag.tag}}{{$last ? '' : ', '}}
What are the best $0 Annual Fee Credit Cards for Fair Credit?
Check out our top picks for fair credit credit cards with no annual fee
Here are 2020's Best $0 Annual Fee Credit Cards for Fair Credit:
- Overall: Capital One® Platinum Credit Card
- Online Shopping: Amazon.com Store Card
- Department Store Card: Target Credit Card
- College Students: Journey® Student Rewards from Capital One®
Questions & Answers
Comparing credit cards for fair credit with no annual fee can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered....show moreshow less
Most Popular
Searching for answers...No Matching Results
What balance transfer credit cards can I get with a fair credit? Reply
ASHLEY WADE, Tech Girl
@shlee
When it comes to the balance transfer credit cards you can get with fair credit, two options stand out:
show more
show less
1
Upvotes
Not Finding Your Question? Ask Your Own
Featured Credit Cards
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. Actual terms may vary. 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.
Ad Disclosure: Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
Updating Cards