Best of

Best Credit Cards for Fair Credit of May 2019

NerdWalletMay 21, 2019

At NerdWallet, we strive to help you make financial decisions with confidence. To do this, many or all of the products featured here are from our partners. However, this doesn’t influence our evaluations. Our opinions are our own.

NerdWallet's Best Credit Cards for Fair Credit of May 2019

Our pick for

Flat-rate cash back

Capital One QuicksilverOne Credit Card

on Capital One's website

on Capital One's website

Annual Fee

$39

Regular APR

26.96% Variable APR

Intro APR

N/A

recommended credit score

The Capital One® QuicksilverOne® Cash Rewards Credit Card offers those with average credit a chance to both earn rewards and, potentially, gain access to a higher credit line.

Our pick for

Flexibility

Capital One Platinum Credit Card Credit Card

on Capital One's website

on Capital One's website

Annual Fee

$0

Regular APR

26.96% Variable APR

Intro APR

N/A

recommended credit score

The Capital One® Platinum Credit Card is an ideal choice for those with average credit who don't carry a balance, don't want to pay for carrying a card and appreciate an incentive for responsible behavior. It also travels well.

Our pick for

College students

Deserve® Edu Mastercard for Students

on Deserve's website

on Deserve's website

Annual Fee

$0

Regular APR

20.99% Variable

Intro APR

N/A

recommended credit score

The Deserve® Edu Mastercard for Students doesn't require a Social Security number in the application for international students, making it a contender for a broader audience of students looking to build credit. No foreign transaction fee means this card can travel well abroad, too.

Our pick for

Small business

Capital One Spark Classic Business Credit Card

on Capital One's website

on Capital One's website

Annual Fee

$0

Regular APR

25.24% Variable APR

Intro APR

N/A

recommended credit score

Business owners with fair or average credit don't have tons of options. The Capital One® Spark® Classic for Business is a good start, especially if you're looking for a card that can reward you for business-related purchases.

Our pick for

Bonus rewards + 0% intro APR

ABOC Platinum Rewards

on Amalgamated Bank of Chicago's website

on Amalgamated Bank of Chicago's website

Annual Fee

$0

Regular APR

15.15% - 25.15% Variable APR

Intro APR

0% Intro APR for 12 months on Purchase and Balance Transfers

recommended credit score

The ABOC Platinum Rewards Card offers a relatively rare benefit among cards for average credit: elevated rewards for an annual fee of $0. Plus, you'll be eligible for a sign-up bonus and a 0% intro APR period.

Last updated on May 21, 2019

Methodology

NerdWallet's credit cards team selects the best cards in each category based on overall consumer value. Factors in our evaluation include fees, promotional and ongoing APRs, and sign-up bonuses; for rewards cards, we consider earning and redemption rates, redemption options and redemption difficulty. A single card is eligible to be chosen in multiple categories.