Credit Cards for People with Fair Credit or No Credit

A person with a fair or average credit rating may have not enough record of active credit on their credit report. This is common for students, new immigrants, or people who have defaulted on a loan before. Some entry-level credit cards are designed for people with limited or no credit to help them build credit history. If you are a college student, you may also want to check our student credit cards. If you have already damaged your credit and are eager to rebuild it, you can start with credit cards for people with bad credit.


Credit Cards	Purchase APR	Transfer Info	Annual Fee	Credit Level
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Citi Custom Cash℠ Card Hide Benefits Show Benefits	0% intro APR for 15 months 18.99% - 28.99% (Variable) APR after that rates & fees	0% intro APR for 15 months 18.99% - 28.99% (Variable) APR after that	$0	Excellent, Good, Fair CreditApply Now View Card Details
Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back. 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases. No rotating bonus categories to sign up for - as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. No Annual Fee Citi will only issue one Citi Custom Cash℠ Card account per person.
Citi® Double Cash Card - 18 month BT offer Hide Benefits Show Benefits	18.99% - 28.99% (Variable) APR rates & fees	0% intro APR for 18 months 18.99% - 28.99% (Variable) APR after that	$0	Excellent, Good, Fair CreditApply Now View Card Details
Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness. Balance Transfers do not earn cash back. Intro APR does not apply to purchases. If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month. There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
Upgrade Cash Rewards Visa® Hide Benefits Show Benefits	14.99% - 29.99% APR	N/A	$0	Excellent, Good, Fair, Average CreditApply Now View Card Details
$200 bonus after opening a Rewards Checking account and making 3 debit card transactions* Earn 1.5% unlimited cash back on card purchases every time you make a payment Combine the flexibility of a credit card with the predictability of a personal loan No annual fee No touch payments with contactless technology built in See if you qualify in minutes without hurting your credit score Great for large purchases with predictable payments you can budget for Mobile app to access your account anytime, anywhere Enjoy peace of mind with $0 Fraud liability Disclaimer: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The value of the $200 bonus will be based on the value of bitcoin at the time it is purchased (within 1-2 statement periods from the date the bonus is earned) and may change in price by the time you choose to sell it. Refer to Program Terms. Bonuses associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc.
Capital One Platinum Credit Card Hide Benefits Show Benefits	29.99% (Variable) APR	29.99% (Variable) APR No balance transfer fee	$0	Average, Fair, Limited CreditApply Now View Card Details
No annual or hidden fees. See if you're approved in seconds Be automatically considered for a higher credit line in as little as 6 months Help build your credit through responsible use of a card like this Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges Monitor your credit score with CreditWise from Capital One. It's free for everyone Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Upgrade Bitcoin Rewards Visa® Hide Benefits Show Benefits	14.99% - 29.99% APR	N/A	$0	(620+) Excellent, Good, Fair CreditApply Now View Card Details
$200 bonus after opening a Rewards Checking account and making 3 debit card transactions* Earn unlimited 1.5% back in bitcoin rewards after you make payments on your purchases The simple way to earn bitcoin: make purchases on your card, make payments, earn bitcoin No annual fee Get pre-approved in seconds with no impact to your credit score Pay with your phone or device by using Apple Pay® or Google Pay™ Mobile app to access your account anytime, anywhere Enjoy peace of mind with $0 Fraud liability Disclaimer: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The value of the $200 bonus will be based on the value of bitcoin at the time it is purchased (within 1-2 statement periods from the date the bonus is earned) and may change in price by the time you choose to sell it. Refer to Program Terms. Bonuses associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc.
First Access Visa® Credit Card Hide Benefits Show Benefits	35.99% Fixed APR rates & fees	N/A	$75 first year, then $48	550 - 620 CreditApply Now View Card Details
Earn 1% Cash Back on Every Payment with First Access! Need Access to Credit? Try First Access! If approved, pay the $95 Program Fee to open your account Most Credit Decisions in 60 Seconds or Less Accepted by Merchants Across the US and Online Choose between 2 free card designs and 4 Premium designs Free VantageScore and Credit Education Reports Payment History to All Three Major Credit Bureaus Monthly Eligible for a Credit Line Increase after 12 months of on-time payments Easy-to-Use Mobile App
Capital One QuicksilverOne Cash Rewards Credit Card Hide Benefits Show Benefits	29.99% (Variable) APR	29.99% (Variable) APR No balance transfer fee	$39	Average, Fair, Limited CreditApply Now View Card Details
Earn unlimited 1.5% cash back on every purchase, every day No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple Be automatically considered for a higher credit line in as little as 6 months Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges Help strengthen your credit for the future with responsible card use Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024 Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply Monitor your credit score with CreditWise from Capital One. It's free for everyone Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Milestone® Mastercard® Hide Benefits Show Benefits	See terms	N/A	See terms	Fair / Good CreditApply Now View Card Details
Greater access to credit than before - $700 credit limit Get a Mastercard accepted online, in store and in app Account history is reported to the three major credit bureaus in the U.S. $0 liability for unauthorized use Access your account online or from your mobile device 24/7 *Dependent on credit worthiness
Total Visa® Credit Card Hide Benefits Show Benefits	35.99% Fixed APR rates & fees	N/A	$75 first year, then $48	550 - 620 CreditApply Now View Card Details
Rebuilding Credit Has Never Been More Rewarding Than with Total's 1% Cash Back Rewards Get on the Road to Better Credit If approved, pay the $95 Program Fee to open your account Fast and easy application process with a Decision Within Minutes Choose between 3 free card designs and 6 Premium designs Reports to All Three Major Credit Bureaus Accepted at Millions of Businesses in the US & Online Simple Secure Online Payments Eligible for a Credit Line Increase after 12 months of on-time payments! Streamlined Mobile App
Petal® 1 "No Annual Fee" Visa® Credit Card Hide Benefits Show Benefits	24.99% - 34.49% Variable APR	N/A	$0	Fair, Limited History, No History, Limited, No CreditApply Now View Card Details
$0 Annual Fee Variable APRs range from 24.99% - 34.49% $300 - $5,000 credit limits Earn a credit limit increase in as little as 6 months. Terms and conditions apply. No credit score? No problem. If eligible, we'll create your Cash Score instead. 2% - 10% cash back at select merchants See if you're pre-approved within minutes without impacting your credit score. No annual or foreign transaction fees. Build credit alongside hundreds of thousands of Petal card members. Petal's mobile app makes it easy to manage your money, track your spending, and automate payments. Petal reports to all 3 major credit bureaus No deposits required Card issued by WebBank
Petal® 2 "Cash Back, No Fees" Visa® Credit Card Hide Benefits Show Benefits	17.99% - 31.99% Variable APR	N/A	$0	Excellent, Good, Limited History, No History, Limited, No CreditApply Now View Card Details
No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee. Variable APRs range from 17.99% - 31.99% Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments. 1% cash back on eligible purchases right away 2% - 10% cash back at select merchants $300 - $10,000 credit limits No credit score? No problem. If eligible, we'll create your Cash Score instead. See if you're pre-approved within minutes without impacting your credit score. Build credit alongside hundreds of thousands of Petal card members. Petal reports to all 3 major credit bureaus. No deposits required Card issued by WebBank
Capital One Quicksilver Student Cash Rewards Credit Card Hide Benefits Show Benefits	19.74% - 29.74% (Variable) APR	19.74% - 29.74% (Variable) APR	$0	Average, Fair, Limited CreditApply Now View Card Details
Earn unlimited 1.5% cash back on every purchase, every day Early Spend Bonus: Earn $50 when you spend $100 in the first three months Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024 Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges Enjoy no annual fee, foreign transaction fees, or hidden fees Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card Build your credit with responsible card use Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Capital One SavorOne Student Cash Rewards Credit Card Hide Benefits Show Benefits	19.74% - 29.74% (Variable) APR	19.74% - 29.74% (Variable) APR	$0	Average, Fair, Limited CreditApply Now View Card Details
Earn unlimited 3% cash back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®), with 1% on all other purchases Early Spend Bonus: Earn $50 when you spend $100 in the first three months Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024 Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges Enjoy no annual fee, foreign transaction fees, or hidden fees Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal Build your credit with responsible card use Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
Revvi Visa® Credit Card Hide Benefits Show Benefits	35.99% Fixed APR rates & fees	N/A	$75 first year, then $48	550 - 620 CreditApply Now View Card Details
Earn 1% Cash Back Rewards on All Purchases with Revvi! The Perfect Card for Not-So-Perfect Credit If approved, pay the $95 Program Fee to open your account Fast and easy application process with a response provided in seconds! Reports to All Three Major Bureaus to Build Your Credit History Eligible for a Credit Line Increase after 12 months of on-time payments! Choose between 2 free card designs and 4 Premium designs Accepted by Merchants Across US & Online Free Credit Monitoring Powered by TransUnion Simple, Powerful Mobile App
Upgrade Triple Cash Rewards Visa® Hide Benefits Show Benefits	14.99% - 29.99% APR	N/A	$0	(620+) Excellent, Good, Fair, Average CreditApply Now View Card Details
$200 bonus after opening a Rewards Checking account and making 3 debit card transactions* Unlimited cash back on payments: 3% on Home, Auto, and Health categories and 1% on everything else after you make payments on your purchases No annual fee Combine the flexibility of a credit card with the predictability of a personal loan No touch payments with contactless technology built in See if you qualify in minutes without hurting your credit score Great for large purchases with predictable payments you can budget for Mobile app to access your account anytime, anywhere Enjoy peace of mind with $0 Fraud liability Disclaimer: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The value of the $200 bonus will be based on the value of bitcoin at the time it is purchased (within 1-2 statement periods from the date the bonus is earned) and may change in price by the time you choose to sell it. Refer to Program Terms. Bonuses associated with the Upgrade Card, when applicable, are provided by Upgrade, Inc.
Capital One Walmart Rewards® Mastercard® Hide BenefitsShow Benefits	17.99% or 29.49% (Variable) APR	17.99% or 29.49% (Variable) APR	$0	Fair, Average CreditLearn More View Card Details
You will earn 5% cash rewards on Walmart.com purchases, including pickup and delivery You will earn 2% cash rewards on purchases in Walmart® stores, Murphy USA and Walmart® fuel stations, 2% cash rewards on restaurants and travel purchases, and 1% cash rewards on other purchases You will earn 5% cash rewards on purchases in Walmart® stores for the first 12 months when you use your card with Walmart Pay You can redeem rewards for cash back, statement credits, purchases on Walmart.com, travel and gift cards Pay no annual fee Fraud Coverage - You're covered by $0 Fraud Liability if your card is ever lost or stolen Pay no foreign transaction fees

Citi Custom Cash℠ Card

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Rates & Fees

Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness.