Best Credit Cards If You Have Fair Credit
Best Credit Cards If You Have Fair Credit
Fair credit (580-669) limits your options but doesn’t exclude you from decent cards. Here’s what to consider.
Top Picks
Capital One QuicksilverOne: 1.5% cash back, $39 annual fee Discover it Secured: 2% rotating categories, builds to unsecured Credit One Visa: Cash back, designed for fair credit
Strategy
- Get a card designed for fair credit
- Use responsibly (low utilization, pay on time)
- Build score over 6-12 months
- Upgrade to better cards
The Bottom Line
Fair credit is temporary. Get an appropriate card, use it responsibly, and you’ll qualify for better options within a year.
Last updated: January 9, 2026
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