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.
WiseIQ Expert Tip
Always pay your statement balance in full each month — not just the minimum. Carrying a balance costs the average American over $1,200 per year in interest charges.
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
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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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Who Should Look Elsewhere
A credit card is not the right tool for every situation. Consider alternatives if any of the following apply to you:
- You carry a balance month-to-month: At an average APR of 21.76%, carrying a balance on a rewards card will cost more than the rewards are worth. A personal loan at a lower fixed rate is almost always cheaper for debt you cannot pay off monthly.
- You need cash, not credit: Credit card cash advances typically charge 25–30% APR with no grace period and a 3–5% transaction fee. A personal loan is significantly cheaper for cash needs.
- Your credit score is below 580: Most rewards and cashback cards require 670+. Below 580, a secured credit card or credit-builder loan is a more realistic path to building credit.
- You are rebuilding after bankruptcy: Most unsecured cards are unavailable for 1–2 years post-discharge. A secured card with a refundable deposit is the standard rebuilding tool.
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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.