I’d remove yourself as an AU on their card right now. You’ve already got your own cards, and a 5 year history. Once the credit bureaus update (30-60 days), your score should recover. Answer from TV_Grim_Reaper on reddit.com
Mastercard
mastercard.com › us › en › personal › find-a-card › credit-card › credit-type › fair-credit.html
Credit Cards for Fair Credit - Mastercard
Find credit cards from Mastercard for people with fair credit. Compare credit cards from our partners, view offers and apply online for the card that is the best fit for you.
Experian
experian.com › credit-cards › best-for-fair-credit
Best Credit Cards for Fair Credit of 2025 - Experian
If you have fair credit, it’s unlikely that you’ll be approved for as high of a credit limit as someone with good credit. Most travel credit cards require you to have a credit score ranging from good to excellent credit in order to qualify. However, some credit cards for fair credit offer rewards programs that allow you to earn points or cash back on eligible travel purchases.
CC for fair credit
First piece of advice, never listen to Credit Karma approval odds or any recommendations provided by CK. What is the source of the credit score you are referencing? You have dozens: https://old.reddit.com/r/CRedit/comments/1bpl3ud/credit_myth_1_you_only_have_one_credit_score/ Is your 5 month old Discover card the only account as seen on your credit reports? If it's not your first account, perhaps you can see your TransUnion Fico 8 score through them. Can you? If it is your first account, it could take another cycle or two before it shows up, as you need to have an account open for 6 months in order to see your first Fico score. Stay away from Citi products until you have at least a year of revolving credit history. For the Capital One cards, go to the Capital One pre approval site and see if you have any offers on the table. Going with a card from them would be perfectly fine as a second in your lineup. Like Discover, Capital One is accepting of thin/young files. More on reddit.com
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August 23, 2024Good decent limit cards for fair credit?
I’d remove yourself as an AU on their card right now. You’ve already got your own cards, and a 5 year history. Once the credit bureaus update (30-60 days), your score should recover. More on reddit.com
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May 16, 2025Cash back cards for fair to good credit - Page 2 - myFICO® Forums - 6540927
See if you can get preapproved for a card that requires good credit, since you'll have a lot better options. WalletHub says Wells Fargo Active Cash is the best option, since there's no annual fee and you get 2% cash back on everything. Chase Freedom Unlimited is another top choice, and Citi Double Cash is more of a tweener between fair... More on ficoforums.myfico.com
What is a good credit card for fair credit scores?
What's the reason that your score is 640? Is it just a thin file? Or do you have derogatories? More on reddit.com
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Discover
discover.com › card smarts › getting a credit card › choosing credit cards for fair credit
Credit Cards for Fair Credit | Discover
May 30, 2025 - While a fair credit score isn’t the lowest range, it still may point to some financial challenges or bad credit habits that concern potential card issuers, limiting your options. Fortunately, a credit score is just a snapshot of your credit. Positive changes can turn your credit score around. If you want to gain access to credit and work on rebuilding credit history, a secured credit card may be the best fit.
Credit Karma
creditkarma.com › credit-cards › fair-credit
Best Credit Cards for Fair/Average Credit August 2025
Best for credit line increases: Credit One Bank® Platinum Visa® for Rebuilding Credit · Best for students: Discover it® Student Cash Back · Here’s why: Capital One advertises that this card is intended for people with fair credit, which ...
Visa
usa.visa.com › pay-with-visa › find-card › apply-credit-card › fair
Credit Cards for Fair Credit Score - Visa
Discover Visa personal payment solutions, secure transactions, travel support, cards and rewards designed to bring more value to your everyday experiences.
Reddit
reddit.com › r/credit › cc for fair credit
r/CRedit on Reddit: CC for fair credit
August 23, 2024 -
I (639 credit score) could use some advice on where to go from here. I currently have a Discover secured card ($300 limit) for the past 5 months or so and honestly its really helped me finally get a grasp of financial literacy/reaponsibity.
Id like to add a second card to my wallet if for anything to centralize bills and such. I've listed below one card I found out about and the rest are from Credit Karma. Im just not sure where I should go from here so any advice would be greatly appreciated. I dont have many bills, mainly just cell and some subscriptions. The one caveat to the quicksilverone is the annual fee $(40?) Which would be nice to avoid.
Citi Double Cash - heard about this card, any opinions?
Capital One QuicksilverOne - good chance (CK)
Capital One Quicksilver - excellent chance (CK)
Capital One Platinum - excellent chance (CK recommended)
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First piece of advice, never listen to Credit Karma approval odds or any recommendations provided by CK. What is the source of the credit score you are referencing? You have dozens: https://old.reddit.com/r/CRedit/comments/1bpl3ud/credit_myth_1_you_only_have_one_credit_score/ Is your 5 month old Discover card the only account as seen on your credit reports? If it's not your first account, perhaps you can see your TransUnion Fico 8 score through them. Can you? If it is your first account, it could take another cycle or two before it shows up, as you need to have an account open for 6 months in order to see your first Fico score. Stay away from Citi products until you have at least a year of revolving credit history. For the Capital One cards, go to the Capital One pre approval site and see if you have any offers on the table. Going with a card from them would be perfectly fine as a second in your lineup. Like Discover, Capital One is accepting of thin/young files.
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I always recommend waiting about a year between new accounts. Credit building is a bit of 'one step back, two steps forward' and each new account early in your credit building journey is a step back with the first step forward after that being about 6 months later and the second step being around a year after opening the account. Take those two steps forward before taking another single step back, is my way of thinking. A new account generally results in a small score drop that recovers within 6 months and with consistent use, perfect payment history and a habit of always paying your full statement balance each month, will generate decent steady net score gains up to that year mark. By giving each account at least a year to mature and generate some payment history, you're allowing your score and profile to be in a better place for the next account. If you apply for multiple new accounts too close together, you're just doubling up on the number of cards you're getting with the same qualifications instead of building up to better things by waiting for your score to improve. Of course if you had no credit prior to this card, you'll have nothing to compare it to 'a year ago' once the card reaches a year in age since it usually takes 6 months for a new credit profile to emerge with scoring data. But you can see where you stand when it 'debuts' vs the one year mark and as others have suggested, use pre-approval tools to see what cards you can qualify for at that point. A lot of people start with a secured card that can graduate but either way, your second card should certainly be an unsecured card with some benefit that your first card does not have. Each new card used right is a benefit to your score but can also offer perks that you wouldn't have gotten from previous offers. Don't rush the building process. Allow your finances to grow and pace your credit building alongside them. If you don't have enough expenses or types of expenses to warrant a new account, hold off until you do. Otherwise you may end up with a card that doesn't get enough use and your credit limit is decreased, or you'll be spreading your expenses to thinly across multiple cards and won't see credit limit increases (CLI's). CLI's are the best way to improve your utilization over time and have a more stable score that is resilient to score changes related to utilization. If you stifle growth on your cards, your limits won't grow as much, and small purchases could have larger impacts on your usage metrics. This is why it's better to generally ignore utilization in between any applications and spend regularly on your cards. It doesn't matter if you have higher utilization when no one is looking at your score and regular use of your cards combined with paying your full statement balances every month are the key to getting higher and more frequent CLI's that will improve your utilization without having to micromanage balances. You should make a concerted effort to lower utilization before applications but otherwise, don't worry about what your score likes with higher utilization. It has no long-term impact on your score and efforts to keep it low by paying balances early, limiting spending, etc. can be counterproductive to building credit. Eventually, your available credit will be high enough that even with regular spending, you maintain low utilization. Until then, you can always optimize it when needed. EDIT: Just saw you applied for a new card while I was writing this haha. All good if you were able to get an unsecured card with some benefits!
NerdWallet
nerdwallet.com › back to nerdwallet homepage › credit cards › best credit cards › best credit cards for fair or average credit of january 2026
Best Credit Cards for Fair or Average Credit of January 2026 - NerdWallet
4 days ago - This card for people with fair or "average" credit pays the same cash-back rate as the regular Quicksilver card, which targets people with excellent credit. The key difference is that this version charges an annual fee while the regular one does not (see rates and fees). Read our review. ... The $0-annual-fee Upgrade Cash Rewards Visa® is a cross between a credit card and a personal loan, and it can offer the best of both worlds: flexibility, but with predictable terms from month to month.
CompareCards.com
comparecards.com › credit-quality › fair
Best Credit Cards for Fair Credit | CompareCards.com
Looking for credit cards for fair credit? Browse our lists of credit cards for average credit holders and find good credit cards with low APRs and instant approval.
WalletHub
wallethub.com › popular credit card questions
Easiest Credit Card to Get With Fair Credit in 2026
1 month ago - It also... read full answer by WalletHub, Financial Company · The best instant approval credit cards for fair credit are the Upgrade Cash Rewards Visa® and the Petal® 2 Visa® Credit Card.
Reddit
reddit.com › r/creditcards › good decent limit cards for fair credit?
r/CreditCards on Reddit: Good decent limit cards for fair credit?
May 16, 2025 -
I’m trying to find a solid card with a decent limit with my fair credit score. It was in the 710-720 range a few months ago, but my parents ran the balance up on the card I’m listed as an AU on, and my utilization is now at 46% despite my own personal card being at 5%. I have some purchases coming up very soon I’d like to put on a CC for the cashback/other possible rewards, and the increase in limit will help my utilization until I can be removed as an AU, as I’m apartment hunting as well. I’m sitting at 660 average, what are my best options? My credit age is just under 5 years, and I only have two cards under my name only. Any suggestions, as well as tips all around, are very much appreciated.
Edit: Current cards: SYNCB $5500 (parents card) at $5144 currently Discover $3500 at $190 (paying off tomorrow!) SYNCB $5000 at $0
Income: I’m a student currently, so it’s hard to estimate between my part time job and internship, I’d say probably $20-$25k? this year
Oldest acct opened on July of 2015, the card I am an AU on opened in Oct of 2015
I’ve never made any late payments on my cards, I can’t speak for theirs as I have no way to access the info. I have no preference truly for the perks, travel would be nice but I don’t feel i am in the position to be very picky about it.
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I’d remove yourself as an AU on their card right now. You’ve already got your own cards, and a 5 year history. Once the credit bureaus update (30-60 days), your score should recover.
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Template for Card Recommendation Requests: Please use the following template, or the questionaire at creditcardtemplate.com to provide relevant information so that others can help you find the best card for you: Current cards: (list cards, limits, opening date) e.g. Amex BCP $8,000 limit, May 2019 e.g. Chase Freedom Flex $10,000 limit, June 2021 FICO Score: e.g. 750 Oldest account age: e.g. 5 years 6 months Chase 5/24 status: e.g 2/24 Income: e.g. $80,000 Average monthly spend and categories: dining $800 groceries: $400 gas: $100 travel: $100 other: $30 Open to Business Cards: e.g. No What's the purpose of your next card? e.g. Building credit, Balance transfer, Travel, Cashback Do you have any cards you've been looking at? e.g. Chase Freedom Unlimited Are you OK with category spending or do you want a general spending card? Please review the Card Recommendation Request Template here: Template for Card Recommendation Requests Interested in cashback cards? Take a look at these resources from the sidebar: List of Flat 2%+ Cashback Cards List of Best Cashback Cards by Category I can be summoned to comment by using command(s): !template I am a bot, and this action was performed automatically. Please contact the moderators of this subreddit if you have any questions or concerns.
Credit.com
credit.com › credit-cards › fair-credit
Credit Cards for Fair Credit: Ultimate Guide | Credit.com
Below, we highlight factors you should consider when evaluating and applying for a credit card for fair credit. Based on their APRs, fees, rewards and other features, we have selected these cards from as the best for individuals with fair credit from our partners.
myFICO
ficoforums.myfico.com › t5 › Credit-Cards › Cash-back-cards-for-fair-to-good-credit › td-p › 6540927 › page › 2
Cash back cards for fair to good credit - Page 2 - myFICO® Forums - 6540927
November 24, 2025 - See if you can get preapproved for a card that requires good credit, since you'll have a lot better options. WalletHub says Wells Fargo Active Cash is the best option, since there's no annual fee and you get 2% cash back on everything. Chase Freedom Unlimited is another top choice, and Citi ...
Credit Sesame
creditsesame.com › credit cards › credit cards – cards for fair credit
Credit Cards for Fair Credit | Credit Sesame
November 21, 2022 - Even though your credit score may be in the Fair Credit range, there still are some good cards in this category. Some may even have rewards. If you are approved, expect a low credit line and potentially an annual fee. Regardless of how small the credit limit may be, responsible use of these cards will help build your credit. Compare offers from our partners. ... No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account.
Bankrate
bankrate.com › global › credit cards › advertiser disclosure category pages
Best Credit Cards for Fair/Average Credit of December 2025 | Bankrate
November 22, 2024 - Why you'll like this: This card is one of the more accessible cards on the market with a forgiving, low ongoing APR compared to other cards for fair credit. ... What we know: It doesn’t require a credit check when you apply, or even a bank account (you can send your security deposit via check or money order). That makes it ultra-accessible for people with limited credit or anyone who’d rather avoid the credit score ding that comes with hard credit pulls. Alternative: If you think you may need to carry a balance, a secured card probably isn’t the best option.
Capital One
capitalone.com › credit cards › fair or building credit
Credit Cards for Fair Credit | Capital One
If you’re simply new to the world of credit or are trying to expand your credit history, consider applying for a credit card for fair credit, like SavorOne, QuicksilverOne, the Quicksilver Secured, or the Platinum Mastercard.
Credit Karma
creditkarma.com › credit-cards
Best Credit Cards | January 2026
1 month ago - Do you need access to credit with reasonable terms? Once you focus on the answers to these kinds of questions, you’re more likely to find the right card for you. How we picked the best credit cards To pick the best credit cards, we identified several crucial categories that fit a wide range of needs.
Capital One
capitalone.com › learn & grow › money management › cards for average credit
Credit Cards for Fair or Average Credit | Capital One
November 18, 2025 - Capital One offers credit cards for fair or average credit including secured, student or unsecured cards.
Reddit
reddit.com › r/creditcards › what is a good credit card for fair credit scores?
r/CreditCards on Reddit: What is a good credit card for fair credit scores?
October 31, 2021 -
My credit score is currently 640. It dropped significantly after I paid off my student loans last year (my only debt). I would like to increase my score but I really don’t want to pay a deposit on a secured card. That seems to be the only offers my bank is sending me. Having a CC that’s good for travel/hotel/car rentals would be nice because I honestly couldn’t care less about the 1-3% cash back rewards. Is it possible to be approved for any unsecured cards? Also, ones that periodically raise credit limits? Which would you recommend?
CNET
cnet.com › money › credit cards › got fair or average credit? here's how a credit card can help raise your score even higher
Got Fair or Average Credit? Here's How a Credit Card Can Help Raise Your Score Even Higher - CNET
February 18, 2025 - You'll also have an easier time finding a credit card that's best suited to your needs and preferences. You can get the most of the same types of cards that people with good or excellent credit can get: cash-back rewards cards, secured credit cards, student cards and simple ones with no annual fees, to name a few. However, the APRs might be higher if you have fair or average credit, or the credit limits may be modest. Typically, the minimum credit score needed to get approved for a credit card depends on the particular credit card and the type of card.
Reddit
reddit.com › r/creditcards › cc recommendations with fair credit
r/CreditCards on Reddit: Cc recommendations with fair credit
December 12, 2024 -
Hello does anyone know of a good credit card that I could get approved for my credit is at 645 so it’s fair I just have no credit I have a secured credit card through my bank for 200 from when I was 18 but I never use it but now I’m trying to get a apartment and move out so I need to start building I was thinking of credit one premium card rebuilder what do you guys think ?