Best Credit Cards for Fair Credit
Building or rebuilding credit can be a challenge. This curated list features the best credit cards for those with fair credit. These cards offer opportunities to improve your credit score with responsible use. We've selected cards based on their fees, rewards programs, and reporting to credit bureaus, helping you make informed decisions.
Our Picks
Last updated July 29, 2025
Discover it® Student Cash Back
Discover
| Annual Fee | $0 |
| Rewards Rate | 5% cash back on everyday purchases |
| Sign Up Bonus | Unlimited dollar-for-dollar cash back match |
| Network | Discover |
Discover it® Student Chrome
Discover
| Annual Fee | $0 |
| Rewards Rate | 2% cash back at gas, restaurants |
| Sign Up Bonus | Unlimited dollar-for-dollar match of cash back |
| Network | Discover |
Discover it® Secured Credit Card
Discover
| Annual Fee | $0 |
| Rewards Rate | 2% cash back at gas stations |
| Sign Up Bonus | Unlimited dollar-for-dollar cash back match |
| Network | Discover |
Bank of America Customized Cash Rewards Secured Credit Card
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 3% and 2% Cash Back |
Petal 2
WebBank
| Annual Fee | $0 |
| Rewards Rate | 1%-10% Cash Back |
| Sign Up Bonus | No signup bonus |
| Network | Visa |
Petal 1
WebBank
| Annual Fee | $0 |
| Rewards Rate | 1%-10% Cash Back |
| Sign Up Bonus | No signup bonus |
| Network | Visa |
Spark 1% Classic
Capital One
| Annual Fee | $0 |
| Rewards Rate | 1% Cash Back, 5% on travel |
| Sign Up Bonus | No signup bonus |
USAA Secured American Express® Credit Card
USAA
| Annual Fee | $0 |
| Network | American Express |
Bank of America® Unlimited Cash Rewards Secured Credit Card
Bank of America
| Annual Fee | $0 |
| Rewards Rate | 1.5% Cash Back |