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 – 8 of 8
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!
- *See all terms here
- See More Details & Reviews About TheMontgomery Ward Credit Account
Purchase Intro APR
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N/A
Transfer Intro APR
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N/A
Regular APR
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24.99% (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
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0% - 11.9% for 6 - 48 months
Transfer Intro APR
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N/A
Regular APR
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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.
- 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 or 18 months on storewide purchases of $299 or $499, respectively.
- Deferred Interest Details: No Interest if paid in full within 18 or 24 months on appliance and Geek Squad® purchases of at least $499 or $999, respectively.
- Deferred Interest Details: No Interest if paid in full within 24 months on home theater and Geek Squad® purchases of at least $999 or 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 Microsoft Surface Pro X and Geek Squad purchases $799 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
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N/A
Transfer Intro APR
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N/A
Regular APR
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25.24% (V)
Annual Fee
$0
Rewards Rate
0 - 5 points / $1
Minimum Credit
Fair Credit
Rewards Details
- Save 25% 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
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0% for 6 - 18 months
Transfer Intro APR
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N/A
Regular APR
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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 12 or 18 months on automotive and tire purchases over $399 or $999 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 Lawn & Garden, Tools and Fine Jewelry purchases over $299.
- Deferred Interest Details: No interest if paid in full within 12 or 18 months on furniture purchases of at least $299 or $599, respectively
- 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 months on select Mattresses/Foundations purchases over $599.
- Deferred Interest Details: No interest if paid in full within 12 or 18 months on Fitness, Outdoor Living and Sporting Goods purchases over $299 or $999, respectively.
- Get up to 10% off or special financing on select purchases.
- See More Details & Reviews About TheSears Store Card
Purchase Intro APR
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0% for 12 - 60 months
Transfer Intro APR
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N/A
Regular APR
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25.99% (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
- Limited time offer - Deferred Interest Details: No interest if paid in full within 12 months on qualifying window treatment purchases of $500 or more (after discounts). No interest if paid in full within 18 or 24 months on qualifying furniture & mattress purchases of at least $499 or $999 (after discounts).
- Limited time offer - Equal Payment Financing: 0% APR for 48 or 60 months on qualifying furniture & mattress purchases of at least $1,499 or $2,499 (after discounts).
- See More Details & Reviews About TheJCPenney Credit Card
Purchase Intro APR
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0% for 6 - 24 months
Transfer Intro APR
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N/A
Regular APR
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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 - Deferred Interest Details: No interest if paid in full within 12 months on Appliance Purchases of $299 or more.
- Limited time offer – 12 Months financing on any installed heating and air conditioning purchase of $299.
- Limited time offer – No interest if paid in full within 24 months on Kinetico Installed Water Treatment Purchases or RainSoft Installed Water Treatment of at least $600.
- 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.
- See More Details & Reviews About TheHome Depot® Credit Card
Purchase Intro APR
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0% - 7.99% for 6 - 84 months
Transfer Intro APR
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N/A
Regular APR
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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 between 5% off every day and special financing.
Additional Info
- Deferred Interest Details: No interest if paid in full within 6 months on purchases of at least $299.
- Limited time offer - Deferred Interest Details: No interest if paid in full within 12 months on appliances purchases of at least $299.
- 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
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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 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
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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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