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
    Exclusive offer: Double all the cash back you've earned at the end of your 1st year-automatically*.
    Intro APR:0% on purchases for 6 months and 10.99% on balance transfers 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% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 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 first late payment & paying late won't raise your APR.*
    • Exclusive offer: Double all the cash back you've earned at the end of your 1st year-automatically.*
    • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
    • Free FICO® Credit Score on statements, online & by mobile app.* 100% U.S.-based service any time. Text alerts when payment is due & a free mobile app to stay on top of your account.
    • New Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
    • 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%.
    • *See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
    At Discover's secure website
  • Discover it® chrome for Students

    Discover it® chrome for Students

    • Our Verdict:
    • 4.30/5 Stars
    At Discover's secure website
    Exclusive offer: Double all the cash back you've earned at the end of your 1st year-automatically*.
    Intro APR:0% on purchases for 6 months and 10.99% on balance transfers 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:
    • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed.* 1% cash back on all your other purchases.
    • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR*.
    Beware of:
    • No low intro APR for balance transfers.
    View full Discover it® chrome for Students details
    Card FeaturesRead Review
    • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.*
    • Exclusive offer: Double all the cash back you've earned at the end of your 1st year-automatically.*
    • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter-no sign-ups needed.* 1% cash back on all your other purchases.
    • Free FICO® Credit Score on statements, online & by mobile app.* 100% U.S.-based service any time. Text alerts when payment is due & a free mobile app to stay on top of your account.
    • New Freeze It(SM) on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.*
    • 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%.
    • *See rates, rewards, free FICO® Credit Score terms & other info by clicking "Apply."
    At Discover's secure website
  • Journey® Student Rewards from Capital One®

    Journey® Student Rewards from Capital One®

    • Our Verdict:
    • 3.90/5 Stars
    At Capital One's secure website
    Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for 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 Details
    Fantastic:
    • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back.
    View full Journey® Student Rewards from Capital One® details
    Card FeaturesRead Review
    • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for 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 or foreign transaction fees
    • Fraud coverage if your card is lost or stolen
    • Pick the monthly 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
  • 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 Details
    Fantastic:
    • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
    View full Capital One® Platinum Credit Card details
    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
  • Credit One Bank® Platinum Card

    Credit One Bank® Platinum Card

    • Our Verdict:
    • 3.00/5 Stars
    At Credit One Bank's secure website
    Regular APR:17.90% - 23.90% (Variable)*
    Annual Fee:$35-$99
    Rewards:Cash Back
    Credit Required:Fair
    At Credit One Bank's secure website
    Card Details
    Fantastic:
    • Get pre-qualified.
    • Choose card design.
    • Unlimited 1% cash back gas rewards.
    Beware of:
    • Annual fee.
    View full Credit One Bank® Platinum Card details
    Card FeaturesRead Review
    • Automatic reviews for credit line increase opportunities
    • Keep an eye on your credit information with free online monthly credit score tracking
    • Get Pre-Qualified without affecting your credit score
    • Choose your card design from our premium gallery
    • Email or text alerts to remind you when your payment is due
    • Unlimited 1% cash back gas rewards
    At Credit One Bank'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)
    Annual Fee:$39
    Credit Required:Fair
    At Capital One's secure website
    Card Details
    Fantastic:
    • Get access to a higher credit line after making your first 5 monthly payments on time.
    Beware of:
    • Annual fee.
    View full Capital One® Classic Platinum Credit Card details
    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