Discover the best credit card deals

Credit Cards for Fair Credit or No Credit

A person with a fair or average credit may have not enough record of active credit on their credit report which is common for students, new immigrants, authorized users on someone else’s credit card or people who have defaulted on a loan in the past 5 years.

You can start your search with the following entry-level unsecured credit cards specially designed for people with limited or no credit. If you are a college student, you may also want to check our student credit cards.  If you are a new immigrant, you may want to take a look at secured credit cards first. If you have already damaged your credit and are eager to rebuild it, please start with credit cards for people with bad credit. (About Our Partners)

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
Back to top

Barclaycard Rewards MasterCard®

Hide BenefitsShow Benefits
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing
  • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
  • No limit on the number of points you can earn or redeem
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
  • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

25.24%* Variable APR

25.24%* Variable APR

$0

Fair CreditApply NowView Card Details
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing
  • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
  • No limit on the number of points you can earn or redeem
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
  • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad

Journey® Student Rewards from Capital One®

Hide BenefitsShow Benefits
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

20.24% (Variable) APR

20.24% (Variable) APR

No balance transfer fee

$0

Average, Fair, Limited CreditApply NowView Card Details
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

Capital One® Platinum Credit Card

Hide BenefitsShow Benefits
  • Pay no annual fee
  • 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
  • Help strengthen your credit for the future with responsible card use

24.99% (Variable) APR

24.99% (Variable) APR

No balance transfer fee

$0

Average, Fair, Limited CreditApply NowView Card Details
  • Pay no annual fee
  • 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
  • Help strengthen your credit for the future with responsible card use

Capital One® QuicksilverOne® Cash Rewards Credit Card

Hide BenefitsShow Benefits
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases until January 2017; 23.24% 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

0% intro APR
until January 2017

23.24% (Variable) APR after that

0% intro APR
until January 2017

23.24% (Variable) APR after that

No balance transfer fee

$39

Average, Fair, Limited CreditApply NowView Card Details
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases until January 2017; 23.24% 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

Milestone Gold MasterCard®

Hide BenefitsShow Benefits
  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • Free online account access
  • Zero Liability - you'll never be held liable for unauthorized charges made to your card

23.9% APR

23.9% APR

$35 - $99*

Fair / Good CreditApply NowView Card Details
  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • Free online account access
  • Zero Liability - you'll never be held liable for unauthorized charges made to your card

Capital One® Spark® Classic for Business

Hide BenefitsShow Benefits
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

23.24% (Variable) APR

23.24% (Variable) APR

No balance transfer fee

$0

Average, Fair, Limited CreditApply NowView Card Details
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

Credit One® Credit Card with 1% Cash Back

Hide BenefitsShow Benefits
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time

15.65% - 24.15% Variable APR

15.65% - 24.15% Variable APR

$0 - $99

Fair CreditApply NowView Card Details
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time

Wells Fargo Cash Back College Visa® Card

Hide BenefitsShow Benefits
  • Earn unlimited cash rewards with no complicated calculations, no minimum purchase requirements, and no expiration dates.
  • Earn 3% cash rewards on gas, grocery, and drugstore net purchases for 6 months and 1% cash back on virtually all other net purchases.
  • Redeem your cash rewards your way. Cash rewards are redeemed in $25 increments, and you can choose to have them automatically deposited into your savings or checking account. You may also choose to apply them as a credit to a qualifying Wells Fargo credit product. If you prefer, you can request a paper check. You can even elect to redeem your rewards for travel and more.
  • With a Wells Fargo Cash Back College Card and responsible use, you will have many tools to help you manage your account and keep your credit strong
  • Sort your monthly expenses against your budget with My Spending Report and Budget Watch through My Money Map.
  • Free access to online credit education courses and tips to help you manage credit wisely.

0% intro APR
for 12 months

11.15% - 21.15%* (Variable) APR after that

0% intro APR
for 12 months

11.15% - 21.15%* (Variable) APR after that

$0

Fair CreditApply NowView Card Details
  • Earn unlimited cash rewards with no complicated calculations, no minimum purchase requirements, and no expiration dates.
  • Earn 3% cash rewards on gas, grocery, and drugstore net purchases for 6 months and 1% cash back on virtually all other net purchases.
  • Redeem your cash rewards your way. Cash rewards are redeemed in $25 increments, and you can choose to have them automatically deposited into your savings or checking account. You may also choose to apply them as a credit to a qualifying Wells Fargo credit product. If you prefer, you can request a paper check. You can even elect to redeem your rewards for travel and more.
  • With a Wells Fargo Cash Back College Card and responsible use, you will have many tools to help you manage your account and keep your credit strong
  • Sort your monthly expenses against your budget with My Spending Report and Budget Watch through My Money Map.
  • Free access to online credit education courses and tips to help you manage credit wisely.

Subscribe to our latest articles, news, and promotions!