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.

  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases.

    Fantastic:
    • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
    • No annual fee
    • Points don't expire as long as account is open, active and in good standing
    • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
    • No limit on the number of points you can earn or redeem
    • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
    • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    APPLY NOWAt Barclaycard's secure website

    Regular APR:

    25.24%* Variable

    Annual Fee:

    No annual fee

    Credit Required:

    Fair
    APPLY NOWAt Barclaycard's secure website
    Fantastic:
    • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases.
    • No annual fee.
    • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed.
    Beware of:
    • No introductory APR offer.

    Regular APR:

    25.24%* Variable

    Annual Fee:

    No annual fee

    Credit Required:

    Fair
    Fantastic:
    • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
    • No annual fee
    • Points don't expire as long as account is open, active and in good standing
    • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
    • No limit on the number of points you can earn or redeem
    • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
    • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    APPLY NOWAt Barclaycard's secure website
  • 0% intro APR on purchases until January 2017; 23.24% variable APR after that.

    Fantastic:
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
    • 0% intro APR on purchases until January 2017; 23.24% variable APR after that
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen

    Intro APR:

    0% on purchases until January 2017

    Regular APR:

    23.24% (Variable)

    Annual Fee:

    $39

    Credit Required:

    Fair
    Fantastic:
    • 0% intro APR on purchases until January 2017; 23.24% variable APR after that.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    Beware of:
    • $39 Annual fee.

    Intro APR:

    0% on purchases until January 2017

    Regular APR:

    23.24% (Variable)

    Annual Fee:

    $39

    Credit Required:

    Fair
    Fantastic:
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
    • 0% intro APR on purchases until January 2017; 23.24% variable APR after that
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen
  • Discover doubles all the cash back you've earned at the end of your first year. New cardmembers only.*.

    Fantastic:
    • No annual fee. No late fee on your first late payment. Paying late won't increase your APR.*
    • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.
    • Discover doubles all the cash back you've earned at the end of your first year. New cardmembers only.*
    • Your minimum security deposit amount of $200 or more will establish your credit line (up to the amount we can approve).*
    • Monthly reviews start at 12 months to see if you qualify to get your security deposit back while you continue to enjoy your card benefits.*
    • Reports to 3 major credit bureaus so you can build or rebuild credit with responsible use.*
    • FICO® Credit Score for free on monthly statements & online.*
    • Click "Apply Now." *See rates, rewards, FICO® Credit Score terms and secured card information.
    APPLY NOWAt Discover's secure website

    Intro APR:

    10.99% on balance transfers for 6 months

    Regular APR:

    23.24% Variable*

    Annual Fee:

    $0 annual fee

    Credit Required:

    Bad, Fair
    APPLY NOWAt Discover's secure website
    Fantastic:
    • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.
    • No annual fee. No late fee on your first late payment. No increase to your APR for paying late*.

    Intro APR:

    10.99% on balance transfers for 6 months

    Regular APR:

    23.24% Variable*

    Annual Fee:

    $0 annual fee

    Credit Required:

    Bad, Fair
    Fantastic:
    • No annual fee. No late fee on your first late payment. Paying late won't increase your APR.*
    • Earn 2% cash back at restaurants & gas stations on up to $1,000 in combined purchases each quarter. Earn 1% cash back on all other purchases.
    • Discover doubles all the cash back you've earned at the end of your first year. New cardmembers only.*
    • Your minimum security deposit amount of $200 or more will establish your credit line (up to the amount we can approve).*
    • Monthly reviews start at 12 months to see if you qualify to get your security deposit back while you continue to enjoy your card benefits.*
    • Reports to 3 major credit bureaus so you can build or rebuild credit with responsible use.*
    • FICO® Credit Score for free on monthly statements & online.*
    • Click "Apply Now." *See rates, rewards, FICO® Credit Score terms and secured card information.
    APPLY NOWAt Discover's secure website
  • Earn 1% cash back on every purchase, every day.

    Fantastic:
    • Enjoy no annual fee
    • Earn 1% cash back on every purchase, every day
    • Build business credit with responsible use
    • Fraud coverage if your card is ever lost or stolen
    • No foreign transaction fees
    • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service

    Regular APR:

    23.24% (Variable)

    Annual Fee:

    $0

    Credit Required:

    Fair
    Fantastic:
    • Earn 1% cash back on every purchase, every day.

    Regular APR:

    23.24% (Variable)

    Annual Fee:

    $0

    Credit Required:

    Fair
    Fantastic:
    • Enjoy no annual fee
    • Earn 1% cash back on every purchase, every day
    • Build business credit with responsible use
    • Fraud coverage if your card is ever lost or stolen
    • No foreign transaction fees
    • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service
  • 1% cash back on gas & groceries, terms apply.

    Fantastic:
    • Get Pre-Qualified without harming your credit score
    • 1% cash back on gas & groceries, terms apply
    • This is a fully unsecured credit card with no deposit requirement
    • Pick your payment due date to fit your schedule
    • Automatic reviews for credit line increase opportunities
    APPLY NOWAt Credit One Bank's secure website

    Regular APR:

    15.65% - 24.15% Variable

    Annual Fee:

    $0 - $99

    Credit Required:

    Fair
    APPLY NOWAt Credit One Bank's secure website
    Fantastic:
    • 1% cash back on gas & groceries, terms apply.
    • Get Pre-Qualified without harming your credit score.

    Regular APR:

    15.65% - 24.15% Variable

    Annual Fee:

    $0 - $99

    Credit Required:

    Fair
    Fantastic:
    • Get Pre-Qualified without harming your credit score
    • 1% cash back on gas & groceries, terms apply
    • This is a fully unsecured credit card with no deposit requirement
    • Pick your payment due date to fit your schedule
    • Automatic reviews for credit line increase opportunities
    APPLY NOWAt Credit One Bank's secure website
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.

    Fantastic:
    • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
    • This credit card is best for members with average credit.
    • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
    • USAA will periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
    • Special rates are available for military members during deployment or PCS. See terms for additional information.
    • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
    APPLY NOWAt USAA's secure website

    Regular APR:

    18.15%-24.15% (Variable)

    Annual Fee:

    $35

    Credit Required:

    Fair
    APPLY NOWAt USAA's secure website

    Regular APR:

    18.15%-24.15% (Variable)

    Annual Fee:

    $35

    Credit Required:

    Fair
    Fantastic:
    • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
    • This credit card is best for members with average credit.
    • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
    • USAA will periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
    • Special rates are available for military members during deployment or PCS. See terms for additional information.
    • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
    APPLY NOWAt USAA's secure website
  • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.

    Fantastic:
    • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
    • This credit card is best for members with average credit.
    • Make consistent, on-time payments and you could improve your credit rating - sometimes in as little as 12 months.
    • USAA will periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
    • Special rates are available for military members during deployment or PCS. See terms for additional information.
    • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
    APPLY NOWAt USAA's secure website

    Regular APR:

    18.15%-24.15% (Variable)

    Annual Fee:

    $35

    Credit Required:

    Fair
    APPLY NOWAt USAA's secure website

    Regular APR:

    18.15%-24.15% (Variable)

    Annual Fee:

    $35

    Credit Required:

    Fair
    Fantastic:
    • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.
    • This credit card is best for members with average credit.
    • Make consistent, on-time payments and you could improve your credit rating - sometimes in as little as 12 months.
    • USAA will periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
    • Special rates are available for military members during deployment or PCS. See terms for additional information.
    • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
    APPLY NOWAt USAA's secure website
  • Pay no annual fee

    Fantastic:
    • Pay no annual fee
    • 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
    • Help strengthen your credit for the future with responsible card use

    Regular APR:

    24.99% (Variable)

    Annual Fee:

    $0

    Credit Required:

    Fair

    Regular APR:

    24.99% (Variable)

    Annual Fee:

    $0

    Credit Required:

    Fair
    Fantastic:
    • Pay no annual fee
    • 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
    • Help strengthen your credit for the future with responsible card use
  • Get Pre-Qualified without harming your credit score.

    Fantastic:
    • Get Pre-Qualified without harming your credit score.
    • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
    • All the bonus features you want in a credit card are included. Get 1% cash back on gas and grocery purchases (terms apply). Track your progress over time with free online monthly credit score tracking.
    • And, you could receive credit line increase opportunities.
    APPLY NOWAt Credit One Bank's secure website

    Regular APR:

    15.65% - 24.15% Variable

    Annual Fee:

    $0 - $99

    Credit Required:

    Fair
    APPLY NOWAt Credit One Bank's secure website
    Fantastic:
    • Get Pre-Qualified without harming your credit score.
    • Get 1% cash back on gas and grocery purchases (terms apply).

    Regular APR:

    15.65% - 24.15% Variable

    Annual Fee:

    $0 - $99

    Credit Required:

    Fair
    Fantastic:
    • Get Pre-Qualified without harming your credit score.
    • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
    • All the bonus features you want in a credit card are included. Get 1% cash back on gas and grocery purchases (terms apply). Track your progress over time with free online monthly credit score tracking.
    • And, you could receive credit line increase opportunities.
    APPLY NOWAt Credit One Bank's secure website
  • Checking account required

    Fantastic:
    • Checking account required
    • Fast and easy application process; response provided in seconds
    • A genuine VISA card accepted by merchants nationwide across the USA and online
    • Manageable monthly payments
    • If approved, simply pay a processing fee to open your account and access your available credit
    • Reports monthly to all three major credit bureaus
    APPLY NOWAt Mid America Bank & Trust Company's secure website

    Regular APR:

    See Terms*

    Annual Fee:

    See Terms*

    Credit Required:

    Bad, Fair
    APPLY NOWAt Mid America Bank & Trust Company's secure website

    Regular APR:

    See Terms*

    Annual Fee:

    See Terms*

    Credit Required:

    Bad, Fair
    Fantastic:
    • Checking account required
    • Fast and easy application process; response provided in seconds
    • A genuine VISA card accepted by merchants nationwide across the USA and online
    • Manageable monthly payments
    • If approved, simply pay a processing fee to open your account and access your available credit
    • Reports monthly to all three major credit bureaus
    APPLY NOWAt Mid America Bank & Trust Company's secure website