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
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Barclaycard Rewards MasterCard®

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  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases and 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 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 and 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 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®

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  • 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

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  • 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

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  • 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 for 9 months; 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
for 9 months

23.24% (Variable) APR after that

23.24% (Variable) APR

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 for 9 months; 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

USAA Classic American Express®

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  • Best for members with average credit.
  • Make consistent, on-time payments and you could improve your credit rating - sometimes in as little as 12 months.
  • We'll periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
  • Use your card to make purchases worldwide. (Cash advances and balance transfers are not available.)

18.15% to 24.15%* APR

18.15% to 24.15%* APR

$35*

Poor To Fair* CreditApply NowView Card Details
  • Best for members with average credit.
  • Make consistent, on-time payments and you could improve your credit rating - sometimes in as little as 12 months.
  • We'll periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
  • Use your card to make purchases worldwide. (Cash advances and balance transfers are not available.)

Capital One® Spark® Classic for Business

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  • 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

Milestone® MasterCard® with Free Choice of Card Image

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  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.

23.9% APR

23.9% APR

$35 - $99*

Fair / Good CreditApply NowView Card Details
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.

USAA Classic Platinum Visa®

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  • Best for members with average credit.
  • Make consistent, on-time payments and you could improve your credit rating - sometimes in as little as 12 months.
  • We'll periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
  • Use your card to make purchases worldwide. (Cash advances and balance transfers are not available.)

18.15% to 24.15%* APR

18.15% to 24.15%* APR

$35*

Poor To Fair* CreditApply NowView Card Details
  • Best for members with average credit.
  • Make consistent, on-time payments and you could improve your credit rating - sometimes in as little as 12 months.
  • We'll periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
  • Use your card to make purchases worldwide. (Cash advances and balance transfers are not available.)

Indigo® Platinum MasterCard® Credit Card

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  • Easy pre-qualification process with fast response
  • All credit histories considered
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.

23.9% APR

23.9% APR

$0 - $99

Fair / Good CreditApply NowView Card Details
  • Easy pre-qualification process with fast response
  • All credit histories considered
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.

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