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 match of cash back |
| Network | Discover |
Discover it® Student Chrome
Discover
| Annual Fee | $0 |
| Rewards Rate | 2% cash back gas and restaurants |
| Sign Up Bonus | Unlimited dollar-for-dollar match first year |
| Network | Discover |
Discover it® Secured Credit Card
Discover
| Annual Fee | $0 |
| Rewards Rate | 1%-2% Cash Back |
| Sign Up Bonus | Unlimited dollar-for-dollar cash back match |
| Network | Discover |
USAA Secured American Express® Credit Card
USAA
| Annual Fee | $0 |
| Rewards Rate | No rewards rate |
| Sign Up Bonus | No signup bonus |
| Network | American Express |
TD Cash Secured Credit Card
TD Bank
| Annual Fee | $29 |
| Rewards Rate | 1%-3% Cash Back |
| Sign Up Bonus | None |
| Network | Visa |
Citi® Secured Mastercard®
Citi
| Annual Fee | $0 |
| Rewards Rate | Not earning rewards |
| Sign Up Bonus | No signup bonus |
| Network | Mastercard |
