Best Fair Credit Cards 2025
Fair Credit Score: 620-679
Karl says, “For fair credit, the QuicksilverOne from Capital One offers unlimited 1.5% cash back and perks like automatic credit line reviews. The Credit One Platinum Visa® provides 1% cash back on select purchases, with easy prequalification and credit line growth potential.”
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Key offer
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Welcome offer
N/A
Annual fee
$39
Card Rewards
• Earn unlimited 1.5% cash back on every purchase and 5% cash back on hotels and rental cars booked through Capital One Travel.
• Redeem your cash back for statement credits, checks, or gift cards. Rewards do not expire for the life of the account.
Premium Benefits
• Unlimited cash back rewards: Enjoy 1.5% cash back on all purchases and 5% on hotels and rental cars booked via Capital One Travel.
• Automatic credit line reviews: Be considered for a higher credit line in as little as six months.
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• Credit monitoring: Access Capital One’s CreditWise tools to track your credit score and manage your credit profile for free.
• Comprehensive security: Benefit from $0 Fraud Liability, security alerts, virtual card numbers via Eno, and a card lock feature available in the Capital One Mobile App.
• Advanced account management: Use account alerts, autopay, and tools to view recurring transactions and manage authorized users.
• Additional perks: Enjoy exclusive offers like 50% off handcrafted beverages at Capital One Cafés and travel benefits through Capital One Travel.
Minimum Qualifications
• Designed for applicants with fair credit—check if you’re pre-approved with no risk to your credit score.
• Final approval is based on Capital One’s credit standards and review of your financial profile.
Key offer
• Earn 1% cash back on eligible purchases such as gas, groceries, mobile phone services, internet, and cable/satellite TV services.
• Prequalification available via a soft credit pull (with no impact on your credit score) and potential automatic credit line increases based on your credit performance.
Welcome offer
N/A
Annual fee
$0
Good for Rebuilding Credit
Card Rewards
• Earn 1% cash back on eligible purchases, which is automatically credited to your account as statement credits.
Premium Benefits
• Cash Back Rewards: Receive 1% cash back on eligible purchases as automatic statement credits to help reduce your balance.
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• Credit Building: Build a positive credit history with on-time payments reported to the major credit bureaus.
• Prequalification: Check your eligibility without a hard inquiry before applying.
• Credit Monitoring: Access a free online credit score and credit report summary each month.
• Account Management: Enjoy features like customizable payment due dates, online account access via the Credit One Bank mobile app, and zero fraud liability protection.
Minimum Qualifications
• Designed for applicants with fair credit.
• Initial credit limit starts at a minimum of $300, with the possibility of increases based on overall credit performance.
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• Final approval is based on Credit One Bank’s credit standards, income requirements, and a review of your overall financial profile.
• Prequalification does not guarantee approval; a full application is required for final decision.
Pro Tips
Average Credit Lines
QuicksilverOne: $2,100
Petal 1: $2,800
Deserve: $1,900
Approval Rates
QuicksilverOne: 89%
Petal 1: 84%
Deserve: 92%
Time to Premium Cards
QuicksilverOne → Quicksilver: 12 months
Petal 1 → Chase Freedom: 9 months
Deserve → Amex: 15 months