Best Credit Cards for Fair Credit
Recommended for Fair Credit
✨ Showing 6 Fair Credit Options
Reporting, eligibility, fees, and terms vary by issuer. Advertiser Disclosure
Milestone® Mastercard® – $1,000 Credit Limit
Tailored for fair credit users, offering a $1,000 credit limit and tools to help rebuild or strengthen credit. Manage your account online and receive spending insights.
Fortiva® Cash Back Rewards Mastercard
A cash back credit card designed for individuals with fair credit who want to earn rewards on everyday spending. Cardholders can earn cash back on purchases while rebuilding or improving their credit.
Aspire® Cash Back Rewards Mastercard
Aspire® Cash Back Rewards Mastercard offers fair credit users an opportunity to earn rewards while improving credit. Cardholders earn cashback on everyday purchases.
PREMIER Bankcard® Mastercard® Credit Card
Ideal for those with fair credit looking for a reliable way to build credit while making everyday purchases. Enjoy flexible credit limits, detailed account management, and alerts.
Destiny® Mastercard® with Instant Credit
Designed for individuals with fair credit, the Destiny® Mastercard® provides instant credit access to help manage emergencies or day-to-day expenses.
PREMIER Bankcard® Grey Credit Card
A simple, no-frills credit card for fair credit applicants seeking to build or repair credit. Gain access to manageable credit limits, payment reminders, and secure account monitoring.
Compare Fair Credit Cards
Choosing the Right Card
Know Your Score
Fair credit is typically between 580-669. These cards are specifically designed for this range.
Check the Fees
Some cards charge annual fees. Weigh these against the rewards and credit-building benefits.
Credit Reporting
All cards on this page report to the major bureaus (Equifax, Experian, TransUnion) to help you build history.
Reviewed July 17, 2026 by the CreditVana Editorial Team
How We Compare Fair-Credit Cards
We compare the issuer-stated fee structure, credit requirements, rewards, account-management features, and potential credit-building value. A high editorial rating is not a promise of approval and does not replace the issuer's current terms.
- Confirm the annual fee, APR range, one-time charges, and any monthly maintenance fees.
- Check whether prequalification is available before submitting a full application.
- Verify bureau reporting, eligibility, rewards, and credit-limit language on the issuer's website.
Product terms can change. See our editorial guidelines, how we make money, and guides for 580, 620, 650, and 670 credit scores.
Frequently Asked Questions
What is considered a "Fair" credit score?
FICO scores between 580 and 669 are generally considered fair. This range is below the average U.S. consumer but still qualifies for many credit card options designed to help you improve.
Will applying hurt my credit score?
Many of these issuers offer a pre-qualification process that checks your approval odds without a hard inquiry. A hard inquiry is only performed if you choose to submit a full application, which may temporarily lower your score by a few points.
How long does it take to improve my credit score?
With consistent on-time payments and low credit utilization, you can begin to see improvements in your score in as little as 6 to 12 months.