Credit Cards for Fair Credit with No Annual Fee
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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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Showing 1 – 10 of 12
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)
Additional Info
- 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
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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14.49% - 25.49% (V)
Rewards Details
- Up to 1.5% cash back after making 12 on-time monthly payments.
- 1% cash back on purchases right away
Additional Info
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology can help applicants without credit history get approved
- $500 - $10,000 credit limits
- 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 Cash Back Visa® Card
One-Time Fees
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None
Regular APR
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29.99%
Additional Info
- Easy application! Get a credit decision in seconds.
- Build your credit history – Fingerhut reports to all 3 major credit bureaus
- Use your line of credit to shop thousands of items from great brands like Samsung, KitchenAid, and DeWalt
- Not an access card
- *See complete WebBank/Fingerhut Advantage Credit Account Terms and Condition. - https://www.fingerhut.com/content/FHTCreditTC
- See More Details & Reviews About TheFingerhut Credit Account
Purchase Intro APR
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Not Offered
Transfer Intro APR
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Not Offered
Regular APR
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24.49% (V)
Additional Info
- A credit card for those who are new-to-credit, or just starting out
- Cellphone Protection
- Extended Warranty
- Mastercard Platinum Benefits
- $0 Annual Fee
- 24.49% variable APR
- See More Details & Reviews About TheDeserve® Classic Mastercard
One-Time Fees
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None
Regular APR
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5.75% - 25.99%
Additional Info
- 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
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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
None
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
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0% - 11.9% for 6 - 48 months
Transfer Intro APR
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Not Offered
Regular APR
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26.74% (V)
Annual Fee
None
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.
- Choose 5% back in rewards or flexible financing options. Get a $5 reward certificate for every 250 points.
- Limited Time Offer: 15% back in rewards on the Garth Brooks vinyl Legacy collection. Offer ends 12/24/19.
- 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 18 months on storewide purchases totaling $479 and more.
- Deferred Interest Details: No Interest if paid in full within 18 months on appliance and Geek Squad® purchases totaling $479 and more. (valid through 1/1/2020).
- 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 (valid through 2/2/2020).
- Limited Time Offer: 15% back in rewards on the Garth Brooks vinyl Legacy collection. Offer ends 12/24/19.
- 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
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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
None
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 more $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) 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
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0% for 6 - 24 months
Transfer Intro APR
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Not Offered
Regular APR
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26.74% (V)
Annual Fee
None
Rewards Rate
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 or 18 months on select home appliances purchases over $499 or $999, respectively.
- 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, 18 or 24 months on select Mattresses/Foundations purchases over $599, $1,500 or $2,500, respectively.
- Get up to 510% off or special financing on select purchases.
- See More Details & Reviews About TheSears Store Card
Purchase Intro APR
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0% for 18 - 60 months
Transfer Intro APR
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Not Offered
Regular APR
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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, custom blinds & shades. Extra 5% off select merchandise. Terms Apply.
- Save an extra 20% off on select apparel, shoes, accessories, fine jewelry and home purchases when you use the card. See code on website. Offer ends 11/6/19.
- 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, 24, 48 or 60 months on qualifying furniture & mattress purchases of $499, $999, $1,499 or $2,499, respectively (after discounts). Valid through 12/4/19.
- See More Details & Reviews About TheJCPenney Credit Card
NO FOREIGN FEE
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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 2019'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
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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:
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† 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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