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
Showing 1 – 10 of 13
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 ? '' : ', '}}
Capital One Platinum Credit Card Capital One Platinum Credit Card
Purchase Intro APR
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
→
26.99% (V)
Additional Info
- Pay no annual fee
- Be automatically considered for a higher credit line in as little as 6 months
- Fraud coverage if your card is lost or stolen
- Use online banking to access your account, even from your smartphone, with our mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- 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 build your credit through responsible use of a card like this
- See More Details & Reviews About TheCapital One Platinum Credit Card
Petal® 2 Visa® Credit Card Petal® 2 Visa® Credit Card
Purchase Intro APR
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
→
12.99% - 26.99% (V)
Rewards Details
- Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments
- 1% cash back on eligible purchases right away
- 2% - 10% cash back at select merchants
Additional Info
- No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
- $500-$10,000 credit limits
- Variable APRs 12.99%-26.99%
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
- See More Details & Reviews About ThePetal® 2 Visa® Credit Card
Capital One Quicksilver Secured Cash Rewards Credit Card Capital One Quicksilver Secured Cash Rewards Credit Card
Secured Card
→
Min Deposit of $49, $99 or $200
One-Time Fees
→
None
Regular APR
→
26.99% (V)
Annual Fee
$0
Monthly Fee
None
Rewards Rate
1.5% Cash Back
Minimum Credit
Bad
Rewards Details
- No annual or hidden fees, and you can earn unlimited 1.5% cash back. See if you're approved in seconds
- Earn unlimited 1.5% cash back on every purchase, everywhere. It's that simple
- Straightforward cash back rewards without rotating categories or limits to how much you can earn
Additional Info
- Building your credit? Using a card like this responsibly could help
- Put down a refundable security deposit starting at $49 to get a $200 initial credit line
- You could earn back your security deposit as a statement credit when you use your card responsibly, like making payments on time
- Be automatically considered for a higher credit line in as little as 6 months with no additional deposit needed
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit with CreditWise from Capital One. It's free for everyone and checking your credit does not hurt your credit score
- See More Details & Reviews About TheCapital One Quicksilver Secured Cash Rewards Credit Card
Capital One Walmart Rewards® Mastercard® Capital One Walmart Rewards® Mastercard®
Purchase Intro APR
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
→
17.99% - 26.99% (V)
Rewards Details
- Earn 5% cash back on Walmart.com purchases, including pickup and delivery
- Earn 2% cash back on purchases in Walmart stores and fuel stations, 2% cash back on restaurants and travel purchases, and 1% cash back on all other purchases everywhere else Mastercard® is accepted
- Introductory offer: Earn 5% cash back on purchases in Walmart stores when you use this card with Walmart Pay for the first 12 months after approval
- Redeem rewards for cash back, statement credits, recent purchases in and out of Walmart, travel, and gift cards
Additional Info
- $0 annual fee
- No foreign transaction fees
- See More Details & Reviews About TheCapital One Walmart Rewards® Mastercard®
Petal® 1 Visa® Credit Card Petal® 1 Visa® Credit Card
Purchase Intro APR
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
→
19.99% - 29.49% (V)
Additional Info
- $0 Annual Fee
- $500-$5,000 credit limits
- Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- 2%-10% cash back at select merchants
- Variable APRs 19.99%-29.49%
- No annual or foreign transaction fees.
- Build credit alongside tens of thousands of Petal Card members
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
- See More Details & Reviews About ThePetal® 1 Visa® Credit Card
Deserve® EDU Mastercard for Students Deserve® EDU Mastercard for Students
Purchase Intro APR
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
→
18.74% Variable
Rewards Details
- Receive one year of Amazon Prime Student on Deserve after spending $500 in the first three billing cycles with your EDU card (Lifetime Value of $59).
- Earn 1% Cash Back on all purchases with your Deserve EDU Mastercard. Once approved, you'll automatically start earning cash back on all purchases.
- Feel secure with cell phone protection up to $600.
- Refer A Friend Program: Refer anyone to Deserve using your personal referral code. Upon approval, card activation and use, you'll receive $30 and so will your referral. Referral bonuses are unlimited!
Additional Info
- No deposit required. No annual fees.
- No international transaction fees on purchases abroad so you can travel with confidence.
- No Social Security Number required for international students to apply.
- Manage and track your spending, set automatic payments and securely freeze your card all through one easy to use app.
- See if you prequalify with no impact to your credit score in minutes.
- Deserve Mastercards are issued by Celtic Bank, Member FDIC.
- Enjoy Mastercard Platinum Benefits intended to make your life easier like Mastercard ID Theft Prevention™ and Master Rental®.
- See More Details & Reviews About TheDeserve® EDU Mastercard for Students
Kohl's Credit Card Kohl's Credit Card
Purchase Intro APR
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
→
25.99% (V)
Annual Fee
$0
Rewards Rate
5% in Rewards
Minimum Credit
Fair
Rewards Details
- Save 35% on your first purchase using your new Kohl’s Credit Card.
- Earn 5% back in rewards on every qualifying purchase made at Kohl with your new card. Enrollment required.
- Cash promotional events from time to time. During these events, select purchases earn an additional $10 for every $50 spent in a single transaction during the event.
- Enjoy a special anniversary offer every year.
- This card entitles you to extra savings offers throughout the year.
- Spend $600 with your card by the end of the year to receive additional offers throughout the year and enjoy monthly free shipping events.
Additional Info
- Use your Kohl's Cash® with your Kohl's Charge discounts.
- See More Details & Reviews About TheKohl's Credit Card
Best Buy® Store Card Best Buy® Store Card
Purchase Intro APR
→
0% - 12.99% for 12 - 48 months
Transfer Intro APR
→
Not Offered
Regular APR
→
25.24% (V)
Annual Fee
$0
Rewards Rate
2.5 points / $1
Minimum Credit
Fair
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.
- 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 12 months on storewide purchases of at least $299.
- Deferred Interest Details: No interest if paid in full within 18 months on appliance and Geek Squad® purchases totaling $599 and up.
- Deferred Interest Details: No interest if paid in full within 24 months on home theater and Geek Squad® purchases totaling $999 and up.
- Deferred Interest Details: No Interest if paid in full within 24 months 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 and Geek Squad® purchases of $799 and up.
- Extended purchasing plans – 0% - 11.99% APR for 24 months, 8.99% - 12.99% APR for 36 months or 11.90% APR for 48 months on select purchases eligible for the reduced rate credit plan.
- See More Details & Reviews About TheBest Buy® Store Card
Macy's Store Card Macy's Store Card
Purchase Intro APR
→
Not Offered
Transfer Intro APR
→
Not Offered
Regular APR
→
25.24% (V)
Annual Fee
$0
Rewards Rate
2 points / $1
Minimum Credit
Fair
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
Sears Store Card Sears Store Card
Purchase Intro APR
→
0% for 12 months
Transfer Intro APR
→
Not Offered
Regular APR
→
25.24% (V)
Annual Fee
$0
Rewards Rate
None
Minimum Credit
Fair
Additional Info
- Deferred Interest Details: No interest if paid in full within 12 months on select sitewide purchases of at least $299.
- 5% off select sitewide purchases. Terms apply, cannot be combined with special financing offers.
- See More Details & Reviews About TheSears Store Card
NO FOREIGN FEE
People also search for:
NO FOREIGN FEE
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 2021'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 more
show less
Most Popular
Searching for answers... No Matching Results
What balance transfer credit cards can I get with a fair credit? Reply
Ashley Wade, WalletHub Analyst
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. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
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
Your web browser (Internet Explorer) is out of date and no longer supported.
Please download one of these up-to-date, free and excellent browsers: