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.

    Why we like it
    • 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
    Why we like it
    • 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.
    What we would avoid
    • No introductory APR offer.

    Regular APR

    25.24%* Variable

    Annual Fee

    No annual fee

    Credit Required

    Fair
    Why we like it
    • 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 for 9 months; 23.24% variable APR after that.

    Why we like it
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017.
    • 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 for 9 months; 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 for 9 months

    Regular APR

    23.24% (Variable)

    Annual Fee

    $39

    Credit Required

    Fair
    Why we like it
    • 0% intro APR on purchases for 9 months; 23.24% variable APR after that.
    • Earn unlimited 1.5% cash back on every purchase, every day.
    What we would avoid
    • $39 Annual fee.

    Intro APR

    0% on purchases for 9 months

    Regular APR

    23.24% (Variable)

    Annual Fee

    $39

    Credit Required

    Fair
    Why we like it
    • Earn unlimited 1.5% cash back on every purchase, every day.
    • Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017.
    • 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 for 9 months; 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 matches all the cash back you've earned at the end of your first year - automatically. New cardmembers only.

    Why we like it
    • Once approved, 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 Discover card benefits. Reviews are based on responsible credit management across all of your credit cards and loans.
    • No annual fee. No late fee on your first late payment. Paying late won't raise 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 matches all the cash back you've earned at the end of your first year - automatically. New cardmembers only.
    • 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" to see rates, rewards, FICO® Credit Score terms, Cashback Matchtm details & other 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

    Credit Required

    No Credit, Fair
    APPLY NOWAt Discover's secure website
    Why we like it
    • 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. Paying late won't raise your APR.

    Intro APR

    10.99% on balance transfers for 6 months

    Regular APR

    23.24% Variable

    Annual Fee

    $0

    Credit Required

    No Credit, Fair
    Why we like it
    • Once approved, 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 Discover card benefits. Reviews are based on responsible credit management across all of your credit cards and loans.
    • No annual fee. No late fee on your first late payment. Paying late won't raise 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 matches all the cash back you've earned at the end of your first year - automatically. New cardmembers only.
    • 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" to see rates, rewards, FICO® Credit Score terms, Cashback Matchtm details & other information.
    APPLY NOWAt Discover's secure website
  • Earn 1% cash back on every purchase, every day.

    Why we like it
    • 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
    Why we like it
    • Earn 1% cash back on every purchase, every day.

    Regular APR

    23.24% (Variable)

    Annual Fee

    $0

    Credit Required

    Fair
    Why we like it
    • 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.

    Why we like it
    • 1% cash back on gas & groceries, terms apply.
    • See if you Pre-Qualify without harming your credit score.
    • This is a fully unsecured credit card with no deposit requirement.
    • Flexible payment date to assist you in making your payments on time.
    • 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
    Why we like it
    • 1% cash back on gas & groceries, terms apply.
    • See if you Pre-Qualify without harming your credit score.

    Regular APR

    15.65% - 24.15% Variable

    Annual Fee

    $0 - $99

    Credit Required

    Fair
    Why we like it
    • 1% cash back on gas & groceries, terms apply.
    • See if you Pre-Qualify without harming your credit score.
    • This is a fully unsecured credit card with no deposit requirement.
    • Flexible payment date to assist you in making your payments on time.
    • 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.

    Why we like it
    • 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
    Why we like it
    • 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.

    Why we like it
    • 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
    Why we like it
    • 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

    Why we like it
    • 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
    Why we like it
    • 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.
  • See if you Pre-Qualify without harming your credit score.

    Why we like it
    • See if you Pre-Qualify 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
    Why we like it
    • See if you Pre-Qualify without harming your credit score.
    • 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.

    Regular APR

    15.65% - 24.15% Variable

    Annual Fee

    $0 - $99

    Credit Required

    Fair
    Why we like it
    • See if you Pre-Qualify 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

    Why we like it
    • 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
    Why we like it
    • 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