Best Cards for Fair Credit 2026
Accessible cards designed for building or rebuilding credit, available with fair credit scores of 580-669. 0 cards requiring fair credit (580-669) with $0+ in total sign-up bonus value.
No cards currently require fair credit credit. Browse all cards →
Frequently Asked Questions
What credit score is considered fair?
A fair credit score falls between 580 and 669 on the FICO scale. While options are more limited, several cards offer decent rewards and credit-building features at this range.
Can I still earn rewards with fair credit?
Yes, cards like the Discover it Cash Back and Capital One QuicksilverOne offer rewards programs accessible to those with fair credit. Some even include sign-up bonuses.
What is the fastest way to improve a fair credit score?
Pay all bills on time (35% of your score), reduce credit card balances below 30% of limits, avoid new hard inquiries, and consider becoming an authorized user on a family member's established account.