Fair credit (580–669 FICO) puts you in a tricky spot — you don't qualify for the best rewards cards, but you're past the point of needing a secured card. These cards are designed specifically for the 580–669 range and offer a path to better credit.

670+
Min. Credit Score
$200+
Avg. Limit
20–29%
Typical APR
Capital One QuicksilverOne1.5% cash back, $39/year, automatic credit line reviews
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Top Picks at a Glance

#1 Pick

Capital One QuicksilverOneCapital One QuicksilverOne

$39 annual fee · 1.5% cash back on everything
Automatic credit line reviews · Reports to all 3 bureaus
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#2 Pick

Discover it ChromeDiscover it Chrome

$0 annual fee · 2% cash back at gas & restaurants
Cashback Match first year · Automatic upgrade reviews
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#3 Pick

Credit One Bank Platinum VisaCredit One Bank Platinum Visa

$0–$99 annual fee · 1% cash back on eligible purchases
Pre-qualify without hard pull · Wide acceptance
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#4 Pick

Petal 2 VisaPetal 2 Visa

$0 annual fee · No deposit · 1–1.5% cash back
No hard pull to check odds · Good for thin files
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#5 Pick

Capital One PlatinumCapital One Platinum

$0 annual fee · No rewards · Automatic credit reviews
Best for rebuilding credit without annual fee
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#6 Pick

Mission Lane VisaMission Lane Visa

$0–$59 annual fee · No deposit required
Pre-qualify without hard pull
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#7 Pick

Avant Credit CardAvant Credit Card

$0 annual fee · No deposit · 580+ credit score
Automatic credit line increases
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Discover it Chrome2% at gas & restaurants, $0 annual fee, Cashback Match
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✓ Pros

  • Build or rebuild credit history
  • Earn rewards on everyday spending
  • Fraud protection & zero liability
  • Free FICO score on statements

✗ Cons

  • High APR if you carry a balance
  • Low initial credit limits
  • Annual fees on some cards
  • Hard inquiry on application

How We Chose These Picks

WiseIQ's editorial team evaluated each option based on annual fees, rewards rates, approval requirements, customer service ratings, and overall value for the target user. All rates and terms are verified as of April 2026.

💡 Expert Tip: Always pay your full statement balance each month to avoid interest charges. Even a small balance can cost you significantly at 20–29% APR.
Capital One Platinum$0 annual fee, no deposit, automatic upgrade reviews
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Frequently Asked Questions

What credit score is considered fair?
Fair credit is generally defined as a FICO score between 580 and 669. VantageScore uses a slightly different range (601–660). Both are considered 'below average' but above 'poor' or 'bad' credit.
Can I get a rewards card with fair credit?
Yes. The Capital One QuicksilverOne (1.5% cash back) and Discover it Chrome (2% at gas & restaurants) both accept fair credit applicants and offer meaningful rewards.
How can I improve my credit from fair to good?
The fastest ways to improve from fair to good credit: pay all bills on time, reduce credit card balances below 30% utilization, avoid applying for new credit frequently, and keep older accounts open.
What's the difference between fair and bad credit?
Fair credit (580–669) means you have some credit history with some negative marks. Bad credit (below 580) typically means recent late payments, collections, or very limited credit history. Fair credit borrowers have more options and lower rates than bad credit borrowers.