Best Credit Cards for Fair Credit (580-669)

Some options available; consider secured cards. We found 2 cards that match your credit profile.

#1
Capital One Platinum Secured
Capital One • Mastercard
Annual Fee$0
APR29.99%-29.99%
Sign-Up BonusNone
Credit ScorePoor to Fair (300+)
Rewards: No rewards
Secured CardsStudent & Starter
  • No annual fee
  • Refundable security deposit from $49
  • Build credit with responsible use
  • Automatic credit line reviews
  • Reports to all 3 bureaus
Apply Now No foreign txn fee
#2
Discover it Secured
Discover • Discover
Annual Fee$0
APR28.24%-28.24%
Sign-Up BonusCashback Match (first year)
Credit ScorePoor to Fair (300+)
Rewards: 2% gas/restaurants (up to $1,000/quarter), 1% everything else
Secured CardsStudent & Starter
  • Earn cash back even on secured card
  • Cashback Match first year
  • No annual fee
  • Automatic reviews for upgrade
  • Free FICO score
Apply Now No foreign txn fee

Credit Card Options for Fair Credit (580-669)

With fair credit, your options are more limited but still include some decent rewards cards. Secured cards are your best bet for building credit, while a few unsecured options may be available depending on your specific credit profile and income.

The Discover it Secured is the top choice: it earns cash back rewards (rare for secured cards), matches all rewards in the first year, and has no annual fee. The Capital One Platinum Secured requires a lower minimum deposit. Both cards report to all three credit bureaus, which is essential for building your credit history.

While rebuilding, focus on the fundamentals: pay every bill on time (set up autopay), keep balances low, and avoid applying for multiple cards. Most people with fair credit can reach good credit (670+) within 12-18 months of consistent responsible card use, opening up a wider range of rewards cards.