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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Upgrade Cash Rewards Visa^® Hide Benefits Show Benefits	14.99% - 29.99% APR	N/A	$0	Excellent, Good, Fair, AverageApply Now View Card Details
$200 bonus after opening a Rewards Checking Plus 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 Relax knowing you're protected against unauthorized transactions with Visa's Zero Liability Policy Disclaimer: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. 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. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
Capital One Platinum Credit Card Hide Benefits Show Benefits	29.99% (Variable) APR rates & fees	29.99% (Variable) APR	$0	Average, Fair, LimitedApply 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
Capital One QuicksilverOne Cash Rewards Credit Card Hide Benefits Show Benefits	29.99% (Variable) APR rates & fees	29.99% (Variable) APR	$39	Average, Fair, LimitedApply 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 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 / GoodApply 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 Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card. Dependent on credit worthiness
Capital One Savor Student Cash Rewards Credit Card Hide Benefits Show Benefits	19.74% - 29.74% (Variable) APR rates & fees	19.74% - 29.74% (Variable) APR	$0	Average, Fair, LimitedApply Now View Card Details
Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart^® and Target^®), on dining, entertainment and popular streaming services, plus 1% on all other purchases Early Spend Bonus: Earn $50 when you spend $100 in the first three months 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 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 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
Capital One Quicksilver Student Cash Rewards Credit Card Hide Benefits Show Benefits	19.74% - 29.74% (Variable) APR rates & fees	19.74% - 29.74% (Variable) APR	$0	Average, Fair, LimitedApply 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 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
Upgrade Triple Cash Rewards Visa^® Hide Benefits Show Benefits	14.99% - 29.99% APR	N/A	$0	(620+) Excellent, Good, Fair, AverageApply Now View Card Details
$200 bonus after opening a Rewards Checking Plus 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 Relax knowing you're protected against unauthorized transactions with Visa's Zero Liability Policy Disclaimer: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. 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. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

Upgrade Cash Rewards Visa®

Apply Now

$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
Earn 1.5% unlimited cash back on card purchases every time you make a payment

Capital One Platinum Credit Card

Apply Now
Rates & Fees

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

Capital One QuicksilverOne Cash Rewards Credit Card

Apply Now
Rates & Fees

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

Milestone® Mastercard®

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Greater access to credit than before - $700 credit limit
Get a Mastercard accepted online, in store and in app

Capital One Savor Student Cash Rewards Credit Card

Apply Now
Rates & Fees

Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart^® and Target^®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Early Spend Bonus: Earn $50 when you spend $100 in the first three months

Capital One Quicksilver Student Cash Rewards Credit Card

Apply Now
Rates & Fees

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

Upgrade Triple Cash Rewards Visa®

Apply Now

$200 bonus after opening a Rewards Checking Plus 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