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, 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 $0 annual fee, $0 activation fees, $0 foreign transaction fees 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	29.74% (Variable) APR	29.74% (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
Journey Student Rewards from Capital One Hide Benefits Show Benefits	29.74% (Variable) APR	29.74% (Variable) APR No balance transfer fee	$0	Average, Fair, Limited CreditApply Now View 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 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 Pick the monthly due date that works best for you Pay for Amazon.com purchases using your Capital One rewards Pay for online purchases with virtual card numbers and keep your actual card number to yourself Get notified via text, email, and phone if Capital One notices potential suspicious transactions on your account Build your credit with responsible card use
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 fees, no foreign transactions fees 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.
Capital One QuicksilverOne Cash Rewards Credit Card Hide Benefits Show Benefits	29.74% (Variable) APR	29.74% (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
Indigo® Mastercard® with Fast Pre-qualification Hide Benefits Show Benefits	24.9% APR	N/A	$0 - $99	Fair / Good CreditApply Now View Card Details
Pre-qualify today without an impact on your credit score Keeping your account in good standing may help establish and/or improve your credit 24/7 access to your account, even on mobile! Protection from fraud, if your card happens to be lost or stolen Account history is reported to the three major credit bureaus in the U.S.
Milestone® Mastercard® - Mobile Access to Your Account Hide Benefits Show Benefits	24.9% APR	N/A	$35 - $99*	Fair / Good CreditApply Now View Card Details
Prequalify for a card today and it will not impact your credit score Don't have perfect credit? No problem! Mobile account access at any time Account history is reported to the three major credit bureaus in the U.S. *Dependent on credit worthiness
Milestone® Mastercard® Hide Benefits Show Benefits	24.9% APR	N/A	$35 - $99*	Fair / Good CreditApply Now View Card Details
Prequalify for a card today and it will not impact your credit score Less than perfect credit is okay 24/7 access to your account information, even on mobile Reports to all three major credit bureaus *Dependent on credit worthiness
Indigo® Mastercard® Hide Benefits Show Benefits	24.9% APR	N/A	$0 - $99	Fair / Good CreditApply Now View Card Details
Easy pre-qualification process with fast response Don't have perfect credit? No problem! 24/7 access to your account, even on mobile! No security deposit Account history is reported to the three major credit bureaus in the U.S.
Milestone Mastercard® Hide Benefits Show Benefits	24.9% APR	N/A	$35 - $99*	Fair / Good CreditApply Now View Card Details
Prequalify for a card today and it will not impact your credit score Less than perfect credit is okay Access your account online or from your mobile device 24/7 Account history is reported to the three major credit bureaus in the U.S. *Dependent on credit worthiness
Petal® 2 "Cash Back, No Fees" Visa® Credit Card Hide Benefits Show Benefits	17.49 - 31.49% Variable APR	N/A	$0	Excellent / Good / 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 17.49% - 31.49% 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
Indigo® Unsecured Mastercard® Hide Benefits Show Benefits	24.9% APR	N/A	$0 - $99	Fair / Good CreditApply Now View Card Details
Pre-qualify today without an impact on your credit score Keeping your account in good standing may help establish and/or improve your credit Access your account online or from your mobile device 24/7 Protection from fraud if your card is stolen Account history is reported to the three major credit bureaus in the U.S.
Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay Hide Benefits Show Benefits	24.9% APR	N/A	$0 - $99	Fair / Good CreditApply Now View Card Details
Pre-qualifying today will not affect your credit score Less than perfect credit histories can qualify, even with prior bankruptcy! Fraud protection for stolen or lost cards Account history is reported to the three major credit bureaus in the U.S.
Capital One Quicksilver Student Cash Rewards Credit Card Hide Benefits Show Benefits	19.24% - 29.24% (Variable) APR	19.24% - 29.24% (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	19.24% - 29.24% (Variable) APR	19.24% - 29.24% (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
Upgrade Triple Cash Rewards Visa® Hide BenefitsShow 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 $0 annual fee, $0 activation fees, $0 foreign transaction fees 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 28.99% (Variable) APR	17.99% or 28.99% (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

Upgrade Cash Rewards Visa®

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$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