10 Best Credit Cards for Fair Credit

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Having a credit card offers a wide range of benefits. Hit with an unexpected expense like a flat tire or broken water pipe? You can take care of it right away and pay off the bill over time. You can also keep an itemized list of payments, apply for loans and even earn rewards like airline points.

Having a less-than-perfect credit score is no obstacle to obtaining a credit card. There are many cards tailored to people with fair credit scores, and owning one is a great way to start building a solid credit history.

What Is Fair Credit?

There are different metrics for measuring a credit score, but many banks and lenders use the Fair Isaac Corporation (FICO) model to calculate it:

• Poor: 300-579
• Fair: 580-669
• Good: 670-739
• Very good: 740-799
• Exceptional: 800-850

A fair credit score is below average, but it’s an excellent springboard for having better credit in the future. Many people start off with a fair score when they first get a credit card. One of the best ways to raise your score is by making on-time credit card payments, even if you’re only paying the minimum amount each month. Of course, you’ll need a credit card to get started.

The Best Cards for People With Fair Credit

Applying for one of these cards is a great idea if you need to bolster your credit score.

• Capital One Platinum Credit Card

This card is one of the best options if you have a fair credit score. It offers no annual or hidden fees. You can choose when your payment is due each month, and six months after opening your account and making regular payments, Capital One will consider you for a higher credit limit.