Having a fair credit score (660-699) doesn't mean you cannot get a credit card. The credit card offers here are our best rated cards for people with a fair to average credit score. Apply for the fair credit card of your choice by completing the online application.

How We Rate Credit Cards

How We Rate Credit Cards

At GET.com we compare credit cards and rate them objectively based on the credit card's features, interest rates and fees.

Cards are rated by our team based primarily on the basis of value for money to the cardholder. The GET.com team rates each card based on its annual fee, rewards, benefits, bonus, introductory APR, ongoing APR, flexibility (in how its benefits can be used and how rewards are earned and redeemed), and other card features.

  • Barclaycard® Rewards MasterCard®

    Barclaycard® Rewards MasterCard®

    • Our Verdict:
    • 4.50/5 Stars
    At Barclaycard's secure website
    Regular APR:24.99%* Variable
    Annual Fee:$0
    Rewards:Points
    Credit Required:Fair
    At Barclaycard's secure website
    Card Details
    Fantastic:
    • Rewards program.
    • No annual fee.
    • Complimentary FICO® Credit Scores as a benefit to active cardmembers.
    • Opt-in to have instant and convenient access to FICO® Credit Scores from your Barclaycard online account.
    Beware of:
    • No introductory APR offer.
    View full Barclaycard® Rewards MasterCard® details
    Card FeaturesRead Review
    • No annual fee
    • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
    • Use the points you earn like cash to pay for almost any purchases you've made.
    • No redemption fees, no limit on the points you can earn and no complicated set up.
    • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
    • Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
    At Barclaycard's secure website
  • Discover it® for Students

    Discover it® for Students

    • Our Verdict:
    • 4.30/5 Stars
    At Discover's secure website
    5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
    Intro APR:0% intro APR on purchases for 6 months
    Regular APR:12.99%-21.99% Variable*
    Annual Fee:$0
    Rewards:Cash Back
    Credit Required:Fair
    At Discover's secure website
    Card Details
    Fantastic:
    • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
    • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
    View full Discover it® for Students details
    Card FeaturesRead Review
    • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
    • 5% Cashback Bonus for gas and ground transportation on up to $1500 in purchases from Jan. through Mar. 2015 after you sign up for 5% Cashback Bonus. 1% cash back on all other purchases.
    • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
    • 100% U.S.- based customer service— day or night.
    • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
    • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
    • Free text alerts can remind you when your payment is due. And free mobile app helps you stay on top of your account.
    • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
    At Discover's secure website
  • Journey<sup>SM</sup> Student Rewards from Capital One®

    JourneySM Student Rewards from Capital One®

    • Our Verdict:
    • 3.90/5 Stars
    At Capital One's secure website
    For every month you pay on time, you receive a 25% bonus—that's a total of 1.25% cash back.
    Regular APR:19.8% (Variable)
    Annual Fee:$0
    Rewards:Cash Back
    Credit Required:Fair
    At Capital One's secure website
    Card FeaturesRead Review
    • Earn 1% cash back on every purchase
    • For every month you pay on time, you receive a 25% bonus—that's a total of 1.25% cash back
    • 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 fee or foreign transaction fees
    • Fraud coverage if your card is lost or stolen
    • Pick the monthly payment due date that works best for you
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    At Capital One's secure website
  • NFL Extra Points Credit Card

    NFL Extra Points Credit Card

    • Our Verdict:
    • 3.40/5 Stars
    At Barclaycard's secure website
    Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for a $100 cash back statement credit.
    Intro APR:0% on balance transfers for 15 months (must be completed within first 45 days of account opening)
    Regular APR:14.99%, 19.99% or 24.99% variable
    Annual Fee:$0
    Rewards:Points
    Credit Required:Fair, Excellent
    At Barclaycard's secure website
    Card Details
    Fantastic:
    • Earn 10,000 bonus points after $500 in purchases in the first 90 days - enough to redeem for a $100 cash back statement credit.
    View full NFL Extra Points Credit Card details
    Card FeaturesRead Review
    • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for a $100 cash back statement credit
    • 0% promotional APR for 6 months on ALL ticket purchases from a team ticket office. After that, a variable APR currently 14.99%, 19.99% or 24.99%, based on your credit worthiness
    • Earn 2 points per $1 on NFL or team purchases - game tickets, in-stadium and at team Pro Shops - and 1 point per $1 on all other purchases
    • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
    • Redeem points for VIP NFL experiences, game tickets or 1% cash back statement credits beginning at 2,500 points for a $25 statement credit
    • All 32 team cards are available, customized with your favorite team's colors and logo
    • 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that a variable APR, currently 14.99%, 19.99% or 24.99%, based on your creditworthiness
    At Barclaycard's secure website
  • Capital One® Platinum Credit Card

    Capital One® Platinum Credit Card

    • Our Verdict:
    • 3.10/5 Stars
    At Capital One's secure website
    Regular APR:24.9% (Variable)
    Annual Fee:$0 intro for first year; $19 after that
    Credit Required:Fair
    At Capital One's secure website
    Card FeaturesRead Review
    • Start with a $0 intro annual fee for the first year; $19 after that
    • 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
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    At Capital One's secure website
  • Capital One® Classic Platinum Credit Card

    Capital One® Classic Platinum Credit Card

    • Our Verdict:
    • 3.00/5 Stars
    At Capital One's secure website
    Regular APR:20.9% variable APR
    Annual Fee:$39
    Credit Required:Fair
    At Capital One's secure website
    Card FeaturesRead Review
    • Get the credit you need with a competitive rate
    • 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
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
    At Capital One's secure website