Points Credit Cards for Fair Credit
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Below you will find our list of points credit cards specifically targeted to people with fair credit (some of the offers are issued by WalletHub advertising partners). The rewards points earned with these cards can … show more
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Showing 1 – 7 of 7
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
$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 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 (valid through 3/8/2020).
- 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 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 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 or 24 months on qualifying furniture & mattress purchases of $499 or $999, respectively (after discounts). Valid through 1/26/2020.
- Deferred Interest Details: No interest if paid in full within 12 months on qualifying window treatment purchases of $500 or more (after discounts). Valid through 2/1/2020.
- Equal Payment Financing: 0% APR for 48 or 60 months on qualifying furniture & mattress purchases of $1,499 or $2,499, respectively (after discounts). Valid through 1/26/2020.
- See More Details & Reviews About TheJCPenney Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3%
Regular APR
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12.4% - 27.4% (V)
Annual Fee
$0
Rewards Rate
1 point / $1
Minimum Credit
Fair Credit
Rewards Details
- 2,500 bonus points after your first purchase.
- Start earning 1 point for every $1 spent for all your every day purchases. Enjoy no cap or expiration date on points.
- Redeem your rewards points anytime on usaa.com or from your mobile phone — with no redemption fee.
- Redeem points for 1% cash back or use them to purchase travel, gift cards and merchandise. You can also redeem your points and donate to your favorite military affiliate group.
Additional Info
- 0% introductory APR for 12 months on balance transfers and convenience checks that post to your account within the first three months following account opening.
- With this card, you can help the Air Force Association promote public understanding of aerospace power and the pivotal role it plays in the security of the nation.
- USAA Bank makes a contribution to AFA when you open an account, make eligible purchases and keep an active account.
- Cash advance fee waived when transferring funds electronically to a USAA deposit account
- Military service members get special benefits like Deployment/PCS rate, Special 4% SCRA rate, and Help during deployment.
- See More Details & Reviews About TheAir Force Association Credit Card
Purchase Intro APR
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Not Offered
Transfer Intro APR
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0% for 12 monthsTransfer Fee: 3%
Regular APR
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12.4% - 27.4% (V)
Annual Fee
$0
Rewards Rate
1 - 2 points / $1
Minimum Credit
Fair Credit
Rewards Details
- Get 2,500 Bonus Points after your first purchase.
- Earn 2 points per $1 spent on gas and grocery purchases while earning 1 point per dollar on your other purchases. Enjoy no cap or expiration date on points.
- Redeem your rewards points anytime on usaa.com or from your mobile phone — with no redemption fee.
- Redeem points for 1% cash back or use them to purchase travel, gift cards and merchandise. You can also redeem your points and donate to your favorite military affiliate group.
Additional Info
- 0% introductory APR for 12 months on balance transfers and convenience checks that post to your account within the first three months following account opening.
- USAA Bank will make a contribution to the Naval Institute when you open an account, make eligible purchases and keep an active account.
- Your support helps the Naval Institute with its mission to be the organization that tests the conventional wisdom and explores the power of new ideas on national defense, the role of the sea services in preserving it and commitment to those in uniform who provide it.
- Cash advance fee waived when transferring funds electronically to a USAA deposit account.
- Military service members get special benefits like Deployment/PCS rate, Special 4% SCRA rate, and Help during deployment.
- See More Details & Reviews About TheU.S. Naval Institute 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)
Annual Fee
$0
Rewards Rate
2 points / $1
Minimum Credit
Fair Credit
Rewards Details
- Receive 5,000 InCircle Bonus Points when you open an account and make a purchase on the same day.
- Earn two InCircle points for every dollar spent in net purchase.
- For every 10,000 points earned, you'll get a $100 Point card.
- Circle Two and above receive complimentary 2-day shipping. Check code on website.
- Plus, receive bonus point opportunities, invitations to shopping events, and more.
Additional Info
- Point card can be used toward purchases made at Neiman Marcus, Bergdorf Goodman, Last Call, and Horchow, in stores, online, or by catalog.
- See More Details & Reviews About TheNeiman Marcus Store Card
Purchase Intro APR
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0% for 12 months
Transfer Intro APR
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Not Offered
Regular APR
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28.49% (V)
Annual Fee
None
Rewards Rate
1 point / $1
Minimum Credit
Fair Credit
Rewards Details
- Earn 1 point (10% back in rewards) for every dollar spent with your Pottery Barn Credit Card at any Pottery Barn, Pottery Barn Kids, or PBteen store, catalog or online at potterybarn.com, potterybarnkids.com or pbteen.com.
- For every 250 points accumulated, you will receive a $25 Rewards Certificate.
- Exclusive events and offers and Double reward opportunities offered throughout the year.
- Transactions of $250 or more receive Reward Dollars. Transactions greater than $750 may choose between earning rewards or promotional financing.
Additional Info
- Deferred Interest Details: No interest if paid in full within 12 months on purchases of at least $750.
- Manage your account online
- See More Details & Reviews About ThePottery Barn Credit Card
NO FOREIGN FEE
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Questions & Answers
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Featured Credit Cards
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