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Best Credit Cards for Fair Credit for this Fall

[Thursday, September 23rd, 2021]

If your FICO credit score is below 670, it can be considered “fair” or “average” credit with most credit reporting bureaus and credit card issuers. Fair credit is right between poor credit (580 FICO credit score) and good credit (670 or better FICO credit score) which means you have access to more credit card options with better rates and terms.

You can get some decent credit cards with fair credit, including credit cards with rewards. You can find travel cards, cash back cards, student credit cards or no annual fee cards, but be ready to see higher APRs and fees.

If you are after rewards credit cards, general advice would be to never carry a balance as rewards will never cover interest rates. So if you are not planning to pay off the card balance in full each month, it would be wise to look for a cheaper credit card rather than a rewards card.

Here we list some of the best credit cards for people with average credit:

– Petal® 2 “Cash Back, No Fees” Visa® Credit Card: The card has no annual fee, no late fee, no foreign transaction fee. Plus, credit limits run from $500 to $10,000, which gives a good potential to grow and keeping the card for a long time, meaning you can contribute the length of your credit history further improving your credit score. The Petal 2 card also allows to earn cash back and motivates cardholders to be on-time with their monthly payments by increasing cash back rewards from 1% to 1.25% and even 1.5% back.

– Capital One QuicksilverOne Cash Rewards Credit Card: This card would be great for those who are looking for a rewards credit card but do not have great credit. The QuicksilverOne card offers 1.5% cash back on all purchases. Just be aware that the card comes with a $39 annual fee and quite high APR.

Applied Bank® Secured Visa® Gold Preferred® Credit Card: It is a secured credit card with a minimum security deposit of $200, but if needed, you can pay anywhere up to the maximum of $1,000. The card promises no credit check and a low fixed interest rate on purchases. Plus, all activity will be reported to the three major reporting bureaus allowing you to build your credit history.

OpenSky Secured Visa Credit Card: This secured credit card would be great for those who do not have a bank account or a debit card as it offers several ways to pay a security deposit, including via Western Union money transfer and check or money order. The issuer also promises no credit check and will report account activity to all three major credit bureaus.

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