Best Credit Cards for Fair Credit
18 cards whose issuers name fair credit as the credit level they are meant for, ranked by score.
“Fair credit” is a credit level issuers use to describe who a card is meant for, usually a FICO score somewhere in the high 500s to high 600s. This page lists the cards whose issuer pages describe them that way. The wording is the issuer’s, not ours, and each issuer decides who it approves: meeting the listed level does not guarantee approval, and a lower or higher score can still be approved or declined.
The list includes store cards and one business card because those issuers name fair credit too. Store cards usually work only at one retailer and often carry high APRs, so compare them with the general-purpose cards above them before you apply.
Cards for fair credit ranked
Ranked from our card database on October 9, 2026. Confirm the terms on the issuer’s site before you apply.
| # | Card | Type | Annual fee | Security deposit | All 3 bureaus | Ongoing APR | Score | Link |
|---|---|---|---|---|---|---|---|---|
| #1 | Quicksilver Secured from Capital OneCapital One1.5% cash back on all purchases | Secured | $0 | Refundable deposit | — | — | 82 | View card → |
| #2 | Chase Slate Edge℠Chase | No deposit | $0 | None | — | — | 80 | View card → |
| #3 | Platinum Mastercard® from Capital OneCapital One | No deposit | $0 | None | — | — | 80 | View card → |
| #4 | PlatinumNavy FCU | No deposit | $0 | None | — | — | 65 | View card → |
| #5 | cashRewards PlusNavy FCU2.00% cash back on all purchases | No deposit | $0 | None | — | — | 59 | View card → |
| #6 | Navy Federal More Rewards American Express® CardNavy FCU3X points at restaurants and on food delivery | No deposit | $0 | None | — | — | 57 | View card → |
| #7 | cashRewardsNavy FCU1.5% cash back on all purchases | No deposit | $0 | None | — | 14.15% to 18.00% variable APR | 52 | View card → |
| #8 | Target™ Mastercard®Target2% rewards for gas or dining | No deposit | $0 | None | — | — | 45 | View card → |
| #9 | SavorOne Rewards from Capital OneCapital One3% at grocery stores (excl. superstores), dining, entertainment, streaming | No deposit | $39 | None | — | — | 42 | View card → |
| #10 | Ollie's Army Visa Credit CardTAB Bank (via Sunbit)1 Ollie's Army point per $2 spent anywhere Visa is accepted | Store account | $0 | None | — | 15.99%-35.99% variable APR | 42 | View card → |
| #11 | GO REWARDS®Navy FCU3X points at restaurants | No deposit | $0 | None | — | 13.49%-18% APR | 39 | View card → |
| #12 | QuicksilverOne RewardsCapital OneUnlimited 1.5% cash back on every purchase | No deposit | $39 | None | — | — | 38 | View card → |
| #13 | Capital One Spark Classic for BusinessCapital OneUnlimited 1% cash back | Business | $0 | None | — | — | 35 | View card → |
| #14 | My Bob's Credit Card (Bob's Discount Furniture)Wells FargoNo rewards | Store account | $0 | None | — | ~28-30%+ variable APR | 20 | View card → |
| #15 | Dell Preferred AccountWebBank (Dell Financial Services)No rewards | Store account | $0 | None | — | high revolving (verify) APR | 20 | View card → |
| #16 | Amazon Prime Store CardSynchrony5% back at Amazon + Whole Foods (Prime required) | Store account | $0 | None | — | — | 20 | View card → |
| #17 | QVC QCardSynchrony BankNo cash back or points | Store account | $0 | None | — | 33.24% variable (penalty up to 39.99%) APR | 20 | View card → |
| #18 | Target Circle CardTargetInstant 5% off every Target and Target.com purchase (includes Target groceries) | Store account | $0 | None | — | ~27.40% variable APR | 20 | View card → |
How this list is ranked. Cards are placed on this page by the credit level the issuer itself states (its own “credit level” or “best for” wording), then sorted by our card score (0–100), the same score used on our other ranking pages. We do not assign the tier ourselves, and a dash in the table means our data doesn’t state it. Partner links never change the order. Full methodology →
What to check before you apply
- Check the annual fee. A fee on a card with a low credit limit takes a large share of what you can use.
- Look at the APR. Cards for fair credit often carry high rates, so plan to pay the balance in full each month.
- Prefer cards that report to all three bureaus if building credit is the goal. A dash in the table means our data does not say.
- Confirm the terms on the issuer’s page. Offers, fees and eligibility change.
Credit lower than fair? See cards for bad credit or secured cards.
FAQ
What counts as fair credit?
Issuers describe the credit level a card is meant for in their own words, and these cards are the ones whose issuer pages name fair (sometimes “average”) credit. Fair credit is commonly a FICO score in the high 500s to high 600s, but each issuer sets its own cutoffs. We list a card on this page only when the issuer’s own wording places it at this credit level; we do not infer it from our scores.
Will I be approved for these fair credit cards?
Not necessarily. Each issuer decides who is approved, based on your full credit report, income and other factors, and a card’s listed credit level is only a guide. Applying can trigger a hard inquiry, so check the issuer’s requirements first.
Which fair credit card ranks first?
By our score, the Quicksilver Secured from Capital One ranks first on this page (score 82, $0 annual fee). Of the 18 cards listed, 16 have a $0 annual fee. Cards that charge a fee: SavorOne Rewards from Capital One ($39), QuicksilverOne Rewards ($39). The order is by score only; partner links never change it.
Keep going
- Best cards for bad credit →
- Best cards for no credit →
- Best cards to build credit (secured vs. no deposit) →
- Best secured credit cards →
- Secured, student & starter cards compared →
- Best credit-builder loans & accounts →
- How long it takes to rebuild credit →
- Credit score ranges (FICO and VantageScore) →
- Credit utilization guide and calculator →
- Authorized-user strategy →
- Rent and utility reporting →
Card details come from our card database, the same one YourBestCards uses. Verify terms with each issuer before applying. · Advertiser disclosure