Some cash-back credit cards require good to excellent credit in order to be approved, but not all do. You can qualify for several cash-back cards if you have fair credit, defined as having a FICO score between 580 and 699, according to Experian.
If you have a FICO score in the “fair” range and want to start earning cash back with purchases, keep reading to find out more about the best credit cards for fair credit that offer rewards.
|Best Cash Rewards Credit Cards for Fair Credit|
|Credit Card||Annual Fee||Standard APR||Cash-Back Rewards|
|QuicksilverOne from Capital One||$39||26.49%||Unlimited 1.5% cash back on every purchase|
|Credit One Bank Platinum Visa||$0 to $75 for the first year; then $0 to $99 thereafter||19.99% to 25.99%||Unlimited 1% cash back on every purchase for your business, with no minimum|
|Discover it Student Cash Back||$0||14.99% to 23.99%||5% cash back at different places each quarter, such as gas stations, grocery stores, restaurants and Amazon.com, up to the quarterly maximum each time you activate;|
1% cash back on all other purchases
|Discover it Secured||$0||24.99%||2% cash-back bonus on your first $1,000 in combined gas and restaurant purchases each calendar quarter;|
1% cash back on all other purchases;
Discover will match all of the cash back you’ve earned at the end of your first year
|Credit One Bank NASCAR Visa Credit Card||$0 to $75 for the first year; then $0 to $99 thereafter||19.99% to 25.99%||1% cash-back rewards on eligible purchases;|
Double cash-back rewards at the NASCAR Shop
|Rates depend on creditworthiness and are accurate as of Dec. 12, 2018.|
- Best for: Getting a high percentage of cash back across all purchase categories compared to other cash-back cards for fair credit.
Out of all the credit cards on this list, the QuicksilverOne from Capital One card has the highest cash-back percentage on purchases that don’t meet a certain category requirement, with 1.5 percent cash back on all purchases. You’ll get access to a higher credit line with Credit Steps after making your first five monthly payments on time. The card also comes with unlimited access to CreditWise from Capital One, which reveals your credit score and gives you tools to help you monitor your credit profile. It’s one of the best unsecured credit cards for fair credit.
Browse: Best Capital One Credit Cards
- Best for: Small-business owners who want to earn cash back.
If you are just starting out in the business world or looking to rebuild and strengthen your credit, the Credit One Bank Platinum Visa could be a good option, as it allows you to build credit while earning 1% cash back on all purchases that can be reinvested into your business. With this card, you’ll get zero fraud liability if your card is lost or stolen. Plus, you can receive automatic fraud alerts via text, email or phone.
- Best for: Students who want to earn cash back.
This cash rewards card for college students allows you to earn 5 percent cash back on rotating categories. As a bonus, students get a $20 statement credit for each school year they achieve a GPA of 3.0 or higher. Discover will also automatically match the cash back earned at the end of the first year. The Discover it Student Cash Back card offers a 0% intro APR for six months on purchases, and a 10.99% intro APR for six months on balance transfers.
Check Out: Best Discover Credit Cards
- Best for: High percentage of cash back on gas and restaurant purchases compared to other cash-back cards for fair credit.
The Discover it Secured is the only card on this list that has no annual fee for all applicants, and it also offers the highest percentage of cash back on select purchases, with 2 percent cash back on up to $1,000 in gas and restaurant purchases each quarter. The card comes with a number of other perks, including free Social Security number monitoring and free access to your FICO credit score every month. Discover will also match all the cash back you earn at the end of the first year.
- Best for: NASCAR fans who want to earn cash back.
If you often make purchases from the NASCAR Shop, this could be a good cash-back credit card for you, as you’ll earn double cash-back rewards on these purchases. Other benefits of this card include monthly access to your Experian credit score and credit report summary, as well as $0 fraud liability.
Keep reading to find the right rewards credit card to match your lifestyle.
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GOBankingRates.com identified the best cash-back credit cards for fair credit by analyzing purchase APRs, rewards and offers. All fees and rates are subject to change at the credit card issuers’ discretion, and some bonus offers might no longer be available on the credit card issuers’ websites, depending on how you access the web page.
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