You can access the cards for fair credit if you have a credit score between 580 and 669. It can be challenging to qualify for credit cards with higher benefits in this range, and the options may include higher interest rates.

The good news is that people with fair or average credit are close to hitting the good credit range (670 to 739); once there, you'll have access to enhanced financial products with better benefits and lower interest rates.

Credit card benefits for fair credit

· Fast credit score increase
· Good rewards
· Low cost of entry

Frequent questions

How to choose a credit card for fair credit?

This may be a good option if you're new to cards or a student looking to start building credit. Many options have easy-to-understand benefits, like low annual fees or cash back.

What is the minimum score to apply?

These credit cards are designed for people with little or no credit history and can help you start your credit journey.

How easy is it to get approved?

Some people will find it easy to get a fair credit card approved. If you have a credit score of 580 or higher, your chances of getting approved for these cards are good. But credit card issuers look at more than just your credit score; most will also check your credit report to see how well you manage your debt.

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Associated credit card categories

Limited or No Credit History

No Credit History

Bad Credit


Good Credit