2016’s Best Credit Cards for Fair Credit
|Best For…||Card Name||Editors’ Rating||Annual Fee||One-Time Fee|
|Cash Back||Capital One® QuicksilverOne® Cash Rewards Credit Card||4.4 Stars||$39||$0|
|Gas & Groceries||Barclaycard Rewards MasterCard®||4.8 Stars||$0||$0|
|International Use||Capital One® Platinum Credit Card||5 Stars||$0||$0|
|Carrying A Balance*||USAA Rate Advantage Platinum Visa®||N/A||$0||$0|
|College Students||Journey® Student Rewards from Capital One®||5 Stars||$0||$0|
|Business Owners||Capital One® Spark® Classic for Business||N/A||$0||$0|
|Amazon Shoppers||Amazon.com Store Card||5 Stars||$0 for Prime members||$0 for Prime members|
*We recommend paying your monthly credit card bills in full when you have fair credit, as you’re unlikely to qualify for a 0% introductory interest rate (if you’re not a student) and even the lowest regular APRs available to you will be quite costly. Furthermore, the USAA Rate Advantage Platinum Visa® is only available to applicants who meet USAA’s eligibility requirements, including current and former military personnel as well as certain family members.
There is a fine line between “fair” credit and “good” credit. In fact, only 40 credit-score points separates the two tiers (fair credit means a credit score of 620 to 659, while good credit is 660 to 719). And when you consider that credit scores can fluctuate by 100 points in a single month, it’s clear that graduating to a higher credit level doesn’t have to take too long. You can double-check your current credit score for free on WalletHub and then track your progress over time to see when you’re ready for an upgrade.