Credit cards for fair/average scores
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CK Editors’ Tips††: If you have fair or average credit, you’ll probably have the chance to continue to build your credit while also benefitting from rewards and other useful card features. While you likely won’t yet qualify for the most lucrative rewards cards on the market, there are options out there.Read more
What to consider when choosing a credit card for fair credit
It can be difficult to find a credit card when you have fair credit because not all issuers advertise what kind of credit you need to qualify for a particular card. But some do, so watch out for any cards that note fair or average credit as a standard for approval. Otherwise, it may be helpful to find credit marketplaces and articles (like those on Credit Karma) that classify specific cards as right for this credit band — those sources are more likely to rely on accurate information than rumors.
It can be difficult to find a credit card when you have fair credit because not all issuers advertise what kind of credit you need to qualify for a particular card. But some do, so watch out for any cards that note fair or average credit as a standard for approval. Otherwise, it may be helpful to find credit marketplaces and articles (like those on Credit Karma) that classify specific cards as right for this credit band — those sources are more likely to rely on accurate information than rumors.
How we picked the best credit cards for fair credit
Finding a credit card for fair or average credit can feel like a guessing game, so we made our picks from cards that we could confirm were targeted at people with fair credit. Issuers don’t always make this information readily available, so we made our picks from cards that specifically advertise this feature or that allow themselves to be displayed as an option for people with fair credit on Credit Karma’s marketplace. Read more about our methodology for picking the best credit cards.
Jump to editors’ picksFinding a credit card for fair or average credit can feel like a guessing game, so we made our picks from cards that we could confirm were targeted at people with fair credit. Issuers don’t always make this information readily available, so we made our picks from cards that specifically advertise this feature or that allow themselves to be displayed as an option for people with fair credit on Credit Karma’s marketplace. Read more about our methodology for picking the best credit cards.
Great for automatic payments††
Great for automatic payments††
Prosper® Card
Regular purchase APR
23.24% - 34.74%* VariableAnnual fee
$0 intro with auto pay, then $59 after first year
Regular purchase APR
23.24% - 34.74%* Variable
Annual fee
$0 intro with auto pay, then $59 after first year
- We welcome applicants with less-than-perfect credit
- $0 first year annual fee with AutoPay
- No security deposit required
- $0 ATM cash withdrawal fee and zero fraud liability
- Checking your offer won't affect your credit score
- Instantly access 50% of your credit while your card ships to you
- Annual Percentage Rate (APR) for purchases: 23.24% - 34.74% variable based on Prime Rate
- APR for cash advances: 34.74% variable based on Prime Rate
- Annual Fee: $59 (waived for the first year if you sign up for AutoPay before your first statement)
- Minimum interest charge: no less than $1.00 (ME residents no more than $0.50)
- Foreign transaction fee: 1% of the transaction amount
- Issued by Coastal Community Bank, Member FDIC pursuant to a license by Mastercard® International
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†† The opinions you read here come from our editorial team. Intuit Credit Karma receives compensation from third-party advertisers, but that doesn’t affect our editors' opinions. Our marketing partners don’t review, approve or endorse our editorial content. It’s accurate to the best of our knowledge when it’s posted.