Credit Card Forum
  • Credit Cards for Fair Credit

    fair credit scoreThere's no "official" definition or score for this category, but these circumstances typically go hand in hand...
    • High Balances: Using too much of your credit limit is bad for your FICO score. So if you currently have any cards that are maxed out or close to it, a credit card for fair credit will probably be easier to get approved for.
    • Late Payments: 35% of your credit score is based on payment history. Whether your payment is 1 day late or 30 days late, it's classified as a "30 day late payment" if the issuer reports it to the credit bureaus.
    • Bad Debt: Even just one bad debt or account written off will significantly bring down your credit score. It stays on your report for at least 7 years, but will have the greatest impact during the first 2-3. If this has happened to you, your credit might be classified as "fair."
    • Limited Credit History: Are you relatively new to credit or have you rarely used it in the past? If so, then you probably fall under this category.

    Credit Cards for Fair Credit in 2014

    Barclaycard® Rewards MasterCard® - Average Credit
    Barclaycard RewardsIt's almost impossible to find a major credit card for fair or limited credit history that comes with no annual fee AND a rewards program. With this one, you get both! And what makes it really blow away the competition is that they give you free access to your genuine FICO score every month through your Barclaycard account online.
    • No annual fee
    • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
    • Use the points you earn like cash to pay for almost any purchases you've made.
    • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
    • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
    • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
    Apply here to get this offer


    Discover it® for Students
    Discover it for StudentsNote: This product is only available to college students. This has exactly the same amazing cash back rewards program as the standard consumer Discover it card, but that one requires excellent credit. With this version, the credit score needed is considerably less stringent, as it was designed for college students who have fair and limited credit history.
    • Fair. No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
    • 5% cash back at gas stations on up to $1,500 in purchases from July through September 2014 when you sign up*. 1% cash back on all other purchases automatically.*
    • Human. Talk to a real person any time with 100% U.S.-based service.
    • Looks out for you - since each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text - and never responsible for unauthorized Discover card purchases.*
    • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
    • *Click "Apply" to see rates, reward and other information.
    Apply here for this offer


    Capital One® QuicksilverOne® Cash Rewards Credit Card
    Capital One QuicksilverOneThis Capital One card is designed for those with fair credit but it also offers their best cash back reward program that lets you earn an unlimited 1.5% cash back on every purchases, every day. The annual fee is $39 and the regular APR is 22.9% variable.
    • Apply toll-free by calling 877-525-5805
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories and no sign ups needed to earn cash rewards
    • Redeem the cash back you earn for any amount, any time
    • No limit to the cash back you can earn
    • Your cash back doesn't expire
    • 0% intro APR on purchases until May 2015
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud Coverage if your card is ever lost or stolen
    Apply here to get this offer


    Capital One® Platinum Credit Card
    Capital One PlatinumThis is an excellent choice for those with a limited credit history. Why? Well for starters, with this card you will get to enjoy Platinum benefits such as the extended warranty program, auto rental insurance, 24-hour travel assistance services, and more. Best of all there is no annual fee in the first year.
    • Apply toll-free by calling 877-525-5805
    • Start with no annual fee for the first year; $19 after that
    • 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
    • Pick the monthly payment due date that works best for you
    • Pay however you want–by check, online, or at a local branch, all with no fee
    • Get access to your account 24 hours a day, 7 days a week
    • Start building for the future with features that can help you get there
    Apply now for this Platinum MasterCard


    Don't know where you stand? Then try this tool!
    Are you unsure whether you have good credit, fair credit, or bad credit? If so, then try out this tool which will help you find credit cards that best match your credit profile. In three easy steps, you can check if you pre-qualify for a card without affecting your credit score.


    Opening a new card and managing it responsibly is one of the best things you can do for your personal finances. Why? Because the difference between bad and good credit is like night and day. Once you build (or rebuild) a good credit history, new opportunities will await. This is because things like mortgages, car loans, and most reward cards are hard to get approved for with a mediocre or average credit rating. But once you break that barrier and achieve an excellent score, you will find those opportunities come more easily.
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