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See what terms you'd qualify for without a hard credit inquiry. Therefore, you typically dont have to worry about a hard pull on your credit report. Length of credit history. If possible, pay off your balance in full each month. We encourage everyone to share their knowledge while respecting our content guidelines. What's the minimum credit score needed for Discover cards? You want your scores to go up, not down. $0 intro with auto pay, then $39 after first year. Best Low Interest Credit Cards for Fair Credit. Best credit cards for credit score 600-649 (fair credit) - Money Under 30 Earn 1% cash back on all your purchases. Plus, Discover says there's no FICO history requirement for this card. The best credit cards for fair credit are ones that you may qualify for with a FICO score of 580 to 689. Who Should Get It: Apply for the Capital One Platinum Credit Cardif you want an inexpensive starter card to build credit with. And unlike many of those cards, any unpaid balance is automatically converted into an installment loan with a fixed monthly payment. If you find discrepancies with your credit score or information from your credit report, please contact TransUnion directly. One of the best unsecured credit cards for fair credit is Upgrade Cash Rewards Visa because it offers unlimited 1.5% cash back on all purchases (after you pay the bill) and a $0 annual fee. $0 annual fee, $0 activation fees, $0 foreign transaction fees. (The card also earns 5% back on hotels and rental cars booked through Capital One Travel. Here is a list of our partners and here's how we make money. You can choose your own due date, which lets you schedule payment for the time of the month that best suits your cash flow. If you do make a late payment, the card doesn't impose a penalty APR. This card requires a security deposit, which will . NerdWallet's ratings are determined by our editorial team. Doing so also avoids costly late fees. 7. You earn 2% cash back at restaurants and gas stations, on up to $1,000 in combined purchases per quarter, and 1% cash back on all other purchases. The annual fee is. Credit Cards for Fair Credit | Mastercard Do any issuers have a particularly good/bad reputation for offering decent fair-credit credit cards. We did not select any cards with especially low regular APRs because we recommend paying your monthly credit card bills in full when you have fair credit. Reviews show typical fair-credit applicants for the cards below start with a limit between $300 and $750, but see an increase after regular payments. Our pick for: Crypto rewards + flexibility. Actual terms may vary. In fact, only 40 credit-score points separates the two tiers (fair credit means a credit score of 620 to 659, while good credit is 660 to 719).