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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
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CREDIT CARDS FOR FAIR CREDIT WITH NO ANNUAL FEE
General Consumer
Fair Credit
Fair Credit
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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
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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26.99% (V)
WalletHub's Take: The Capital One Platinum Credit Card is a good credit card for people with average credit or who are new to credit. It is worth applying for the Capital One Platinum Card because of its $0 annual fee and the fact that it reports account information to the 3 major credit bureaus each month. That’s all you need to build credit inexpensively. Just make sure to pay the monthly bills on time and keep your balance well below Capital One Platinum’s credit limit.
Read our editor's full Capital One Platinum review.
Pros
- No annual fee
- Available to people with limited credit
- Free credit-score access
- No foreign transaction fee
Cons
- No rewards
- Fairly high regular APR
- No reduced introductory rates
Additional Info
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's 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
Upgrade Triple Cash Rewards Visa® Upgrade Triple Cash Rewards Visa®
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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8.99% - 29.99%
Annual Fee
$0
Rewards Rate
1 - 3% Cash Back
Minimum Credit
Fair
WalletHub's Take: The Upgrade Triple Cash Rewards Visa is a good credit card for people with fair credit whose top expenses include purchases that are categorized as home, auto or health. The Upgrade Triple Cash card is worth it because it has a $0 annual fee and gives rewards of 1 - 3% Cash Back.
Read our editor's full Upgrade Triple Cash Rewards Visa® review.
Pros
- $0 annual fee
- 1 - 3% Cash Back
- $500+ credit limit
Cons
- APR up to 29.99%
- Rewards may take longer to get
Rewards Details
- Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
- Unlimited cash back on payments - 3% on Home, Auto and Health categories and 1% on everything else
- *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.
Additional Info
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- Combine the flexibility of a card with the low cost and predictability of a loan
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Access to a virtual card while you wait for your card to arrive in the mail
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
Capital One Walmart Rewards® Mastercard® Capital One Walmart Rewards® Mastercard®
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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17.99% - 26.99% (V)
Annual Fee
$0
Rewards Rate
1 - 5% Cash Back
Minimum Credit
Fair
WalletHub's Take: The Capital One Walmart Rewards® Mastercard® is good for people who frequently shop at Walmart, especially Walmart.com, and live near a location with an attached gas station. The Walmart Card’s rewards rates range from 1% to 5% back, depending on the type of purchase made. Cardholders earn 5% back on Walmart purchases made online or through the Walmart mobile app, even those later picked up at a Walmart store location. Normally, in-store purchases get you just 2% back – same as purchases made at Walmart and Murphy USA gas stations.
Read our editor's full Walmart Credit Card review.
Pros
- Up to 5% back on Walmart purchases
- No annual fee
- No foreign transaction fee
Cons
- No promotional financing offers
- Above-average regular APR
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
Petal® 2 Visa® Credit Card Petal® 2 Visa® Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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13.74% - 27.74% (V)
Annual Fee
$0
Rewards Rate
1 - 1.5% Cash Back
Minimum Credit
Limited History
WalletHub's Take: The Petal® 2 Visa® Credit Card is a very good starter credit card for people with limited or no credit. The Petal 2 Visa Card is worth considering because it has $0 fees, rewards equal to 1 - 1.5% Cash Back on all eligible purchases, and monthly credit-bureau reporting.
Read our editor's full Petal 2 Card review.
Pros
- No membership fees
- No foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
Cons
- No rewards bonus
- No intro APR on purchases
- No balance transfers allowed
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.
- Variable APRs range from 13.74% - 27.74%
- $300 - $10,000 credit limits
- No credit score? No problem. If eligible, we'll create your Cash Score instead.
- See if you're pre-approved within minutes without impacting your credit score.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal reports to all 3 major credit bureaus.
- No deposits required
- Card issued by WebBank, Member FDIC
Upgrade Visa® Card with Cash Rewards Upgrade Visa® Card with Cash Rewards
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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8.99% - 29.99%
WalletHub's Take: The Upgrade Card is a good option for people with fair credit who want to borrow money and build credit at a reasonable price. But if you plan to pay your monthly bills in full or you have good-to-excellent credit, there are better, more rewarding options available.
Read our editor's full Upgrade Credit Card review.
Pros
- No membership fees
- No foreign fee
- Qualify with fair credit
Cons
- No rewards bonus
- No intro APR on purchases
- No balance transfers allowed
Rewards Details
- Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
- Earn 1.5% unlimited cash back on card purchases every time you make a payment
- *To qualify for the $200 welcome bonus, you must open and fund a new Rewards Checking account and make 3 debit card transactions within 60 days of your Upgrade Card account opening. The bonus will be applied as a one-time credit to your account and will not otherwise reduce the amount of your regular monthly payments. The bonus credit will be posted to your Upgrade Card as a rewards credit within 1-2 billing periods following the third debit card transaction on your Rewards Checking account. Your Upgrade Card must be in good standing to receive a bonus.
Additional Info
- Combine the flexibility of a card with the low cost and predictability of a loan
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Access to a virtual card while you wait for your card to arrive in the mail
- Great for large purchases with predictable payments you can budget for
- Mobile app to access your account anytime, anywhere
- Enjoy peace of mind with $0 Fraud liability
Petal® 1 Visa® Credit Card Petal® 1 Visa® Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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20.74% - 30.24% (V)
WalletHub's Take: The Petal® 1 Visa® Credit Card is a good credit card for people with limited credit who do not want to place a refundable security deposit. The Petal 1 Card offers a credit limit of $300 to $5,000, has a $0 annual fee that makes it easily worthwhile, and reports to all three major credit bureaus.
Read our editor's full Petal 1 Card review.
Pros
- No membership fees
- No foreign fee
- Qualify with limited or no credit history
- Does not require security deposit
Cons
- No rewards
- No rewards bonus
- No intro APR on purchases
- No balance transfers allowed
Additional Info
- $0 Annual Fee
- Variable APRs range from 20.74% - 30.24%
- $300 - $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
- See if you're pre-approved within minutes without impacting your credit score.
- No annual or foreign transaction fees.
- Build credit alongside hundreds of thousands of Petal card members.
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
Deserve® EDU Mastercard for Students Deserve® EDU Mastercard for Students
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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20.24% Variable
Annual Fee
$0
Rewards Rate
1% Cash Back
Minimum Credit
Limited History
WalletHub's Take: The Deserve® EDU Mastercard for Students is a good credit card for international students because it has a $0 annual fee, a $0 foreign transaction, and no SSN requirement. Deserve EDU accepts the combination of a passport, proof of a U.S. bank account, and some other basic documentation instead of a Social Security number. The Deserve EDU Mastercard also is worth it because it rewards cardholders with 1% cash back on all purchases.
Read our editor's full Deserve EDU review.
Pros
- Amazon Prime Student Membership
- 1% Cash Back
- No Annual or Foreign Fees
- No SSN Required
Cons
- No rewards bonus
- No intro APR on purchases
- No balance transfers allowed
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®.
Kohl's Credit Card Kohl's Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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26.24% (V)
Annual Fee
$0
Rewards Rate
7.5% in Rewards
Minimum Credit
Fair
WalletHub's Take:
The Kohl’s Credit Card is a good credit card for people with fair credit or better who shop at Kohl’s regularly. The Kohl’s Credit Card can only be used for Kohl’s purchases, but it’s still worthwhile because new cardholders have 35% discount on their first purchase and earn 7.5% in Rewards on every other purchase. The card also has a $0 annual fee and provides various other savings opportunities.
Read our editor's full Kohl's Credit Card review.
Pros
- No membership fees
- 35% discount initial rewards bonus
- Qualify with fair credit
Cons
- No intro APR on purchases
- High Regular APR
Rewards Details
- Save 35% on your first purchase using your new Kohl’s Credit Card within 14 days of credit approval.
- Earn 7.5% 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.
Best Buy® Store Card Best Buy® Store Card
Purchase Intro APR
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0% - 12.99% for 12 - 48 months
Transfer Intro APR
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Not Offered
Regular APR
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26.74% (V)
Annual Fee
$0
Rewards Rate
2.5 points / $1
Minimum Credit
Fair
WalletHub's Take: The Best Buy Store Credit Card is a good credit card for people with fair credit or better who regularly make purchases from Best Buy. The Best Buy Store Card has no annual fee, gives 15% back on your first day of purchases (within 14 days of opening an account), and gives 5% back the rest of the time.
Read our editor's full Best Buy Store Card review.
Pros
- No membership fees
- High rewards rate
- 10% back in rewards initial rewards bonus
- Qualify with fair credit
Cons
- Spending caps on rewards
- High Regular APR
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 24 months on home theater purchases of $999 or more.
- Deferred Interest Details: No Interest if paid in full within 24 months on unlocked phones purchases of $649 or more.
- Deferred Interest Details: No Interest if paid in full within 24 months on select exercise equipment purchases of $799 or more.
- Deferred Interest Details: No Interest if paid in full within 18 on appliance purchases of at least $599.
- Deferred Interest Details: No Interest if paid in full within 18 months on Yardbird purchases of $999 or more.
- 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.
Macy's Store Card Macy's Store Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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26.74% (V)
Annual Fee
$0
Rewards Rate
2 points / $1
Minimum Credit
Fair
WalletHub's Take
Pros
- No membership fees
- High rewards rate
- 20% discount initial rewards bonus
- Qualify with fair credit
Cons
- Spending caps on rewards
- No intro APR on purchases
- High Regular APR
Read our editor's full Macy's Store Card review.
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.
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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 2022'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
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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:
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