Cards for Fair Credit ?
If your FICO score is approximately 580–669, you may qualify for credit cards designed for fair or average credit. Approval depends on your income, existing debt, credit history, and the issuer's criteria.
US Best U.S. credit cards for fair credit
| Card |
Annual fee |
Rewards / benefit |
| Capital One QuicksilverOne Cash Rewards |
$39 |
1.5% cash back on purchases |
| Capital One Platinum |
$0 |
Credit-building card with no rewards |
| Capital One SavorOne Cash Rewards |
$39 |
3% on eligible dining, groceries, entertainment and streaming |
| Mission Lane Gold Line Visa |
$0 |
3% on eligible gas, dining and travel; 1% on other purchases |
| Tilt Essentials |
$0 |
1% cash back; higher rate on gas and groceries with AutoPay |
These cards and their current terms are listed in September 2026 comparisons from NerdWallet.
Which card fits your needs?
Cashback: Capital One QuicksilverOne offers a straightforward 1.5% reward rate, but its annual fee reduces the value of modest spending.
Building credit without an annual fee: Capital One Platinum offers a no-annual-fee option and automatic consideration for credit-limit increases.
Dining, groceries and entertainment: Capital One SavorOne offers elevated rewards in these categories, but the $39 annual fee is worth considering.
Gas, travel and dining: Mission Lane Gold Line Visa offers 3% cash back in those eligible categories and 1% elsewhere, with no annual fee.
Important before applying
- Check whether you can prequalify without a hard credit inquiry.
- Compare annual fees and APR.
- Choose a card that reports payments to the major credit bureaus.
- Pay the statement balance on time to avoid expensive interest.
A fair-credit card is primarily a way to establish a stronger credit history and eventually qualify for more favorable terms.
What is your approximate U.S. credit score—580, 600, 650, or 670? That will help narrow down the types of cards to consider.
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