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 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® Credit 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


    Capital One® QuicksilverOne® Cash Rewards Credit Card
    Capital One QuicksilverOneCapital One designed this version of the QuicksilverOne Cash Rewards card for those with fair credit, which improves chances for getting approved if you have this type of credit. The card also offers an incredible cash back reward program that lets you earn an unlimited 1.5% cash back on every single purchase (which is unique in the fair credit category). 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
    • Cash back doesn't expire and there's no limit to how much you can earn
    • 0% intro APR on purchases until September 2015; 22.9% variable APR after that
    • 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
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    Apply here to get this offer


    Capital One® Platinum Credit Card
    Capital One PlatinumFor those with limited credit history, credit card options can often be very limited. That's why the Capital One Platinum card can be an excellent option because you will get to enjoy Platinum MasterCard 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 and only $19 per year thereafter.
    • Apply toll-free by calling 877-525-5805
    • Start with a $0 intro 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
    • 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
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    Apply now for this Platinum MasterCard


    Discover it® for Students
    Discover it for StudentsThis card offers the same identical 5% cash back rewards program as the standard Discover it card, but that one is not for those with average credit. With this version, the credit score required is much more lenient since it was designed for college students who have fair and limited credit history. Just be aware that you must be a current college student to be approved for this offer.
    • 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% cashback in categories that change each quarter up to the quarterly maximum after you sign up for 5%. 1% cash back on all other purchases.
    • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
    • 100% U.S.-based customer service – day or night.
    • 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%.
    • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
    • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
    Apply here for this offer


    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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