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Fair credit

Best Credit Cards for Fair Credit

A narrow list for applicants in the 580 to 669 range. Options are limited and rewards are modest. The honest goal at this credit level is approval, on-time payment for a year, and a clear path to a better card after that.

2 cards reviewed Rates verified through May 15, 2026 Ranking methodology

Discover it Student Cash Back

4.4 / 5

The best student card year one because of the Cashback Match. After graduation, it converts to a regular Discover it.

Welcome: No welcome bonus Fee: $0 Top: 5% rotating 5% categories

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Full review Rates May 15, 2026

Discover

Discover it Secured

Discover it Secured Credit Card

4.5 / 5

The clearest path from a secured card to an unsecured one. Real rewards on a card most people use for one purpose.

Welcome: No welcome bonus Fee: $0 Top: 2% gas & restaurants

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Full review Rates May 15, 2026

FAQ

Frequently asked questions

How are these cards ranked?

We order each hub by editorial rank weight first and use partner CPA as a tie-breaker for cards with similar weights. We disclose this on every hub. The full methodology is on our editorial policy page.

How current are the rates and terms?

Each card displays the date its rates were last verified, with a link to the issuer's official terms. The oldest verification date in this hub is May 15, 2026.

Do you earn a commission?

Yes. Some links on this page pay us a commission when readers apply through them, which is disclosed at the top of every page. Commission does not change rank order or which cards are recommended.