Credit cards for fair credit?
The U.S. Bank Cash+® Visa® Secured Card is easy to get, even with poor credit or no credit, because it is a secured credit card and requires an upfront deposit.
The U.S. Bank Cash+® Visa® Secured Card is easy to get, even with poor credit or no credit, because it is a secured credit card and requires an upfront deposit.
But if you have fair credit, you might be able to qualify for unsecured cards that don't require you to put down a security deposit to get the card. Unfortunately, these cards might come with an annual fee and a high APR.
Chip Lupo, Credit Card Writer
The best credit card for a 650 credit score is the Citi Double Cash Card, which has a $0 annual fee and offers 2% cash back on purchases. The Citi Double Cash Card also reports to the major credit bureaus every month, so it can help you improve your credit history if used responsibly.
| Card | Credit score | Annual fees |
|---|---|---|
| OpenSky® Secured Visa® Credit Card | Fair, Poor, Bad, No Credit | $35 |
| Capital One Quicksilver Secured Cash Rewards Credit Card | Limited, Bad | $0 |
| Capital One Platinum Secured Credit Card | Limited, Bad | $0 |
| Revenued Business Card | Bad, Good | No annual fee |
The easiest credit card to get approved for is the OpenSky® Plus Secured Visa® Credit Card because there's no credit check for new applicants.
The easiest Citi card to get is the Citi® Secured Mastercard®, since it's the only Citi credit card that will accept applicants with limited credit (less than 3 years of credit history). This card requires a $200 refundable security deposit, but it has a $0 annual fee.
Capital One QuicksilverOne Cash Rewards Credit Card
A rating of 5 is the best a card can receive. Why We Like It: The Capital One QuicksilverOne Cash Rewards Credit Card is one of the best credit cards for people with fair credit who plan to charge a fair amount to their new card.
The minimum credit score needed to get most Discover credit cards is 700 or above. There are a few Discover cards for which there's no minimum credit score requirement, such as the Discover it® Secured Credit Card which you can get with a bad credit score (below 640).
One of the best credit cards for a 480 score is the OpenSky® Secured Visa® Credit Card because it does not require a credit check and its annual fee is relatively low at $35. This credit card requires a security deposit of at least $200 to open the account.
Can I get a Discover card with a 600 credit score?
Discover doesn't publish an official minimum credit score requirement for its cards, but certain products are designed for people with bad credit. A secured credit card, such as the Discover it® Secured Credit Card, is easier to get and could be an option if your credit score is around 640.
There are occasionally applicants who get approved for the top Chase credit cards with credit scores of 650 or below. You can try an application if you're in that situation, but you're probably better off building your credit first -- or starting with the Chase Freedom Rise℠ Credit Card, if you're building credit.
There's no minimum credit score for the Chase Freedom Rise℠ Credit Card, which is designed for consumers who are building credit. You can potentially qualify for it even with no credit history. It's a different story for the other two Chase Freedom credit cards: Chase Freedom Unlimited®
First Progress Platinum Elite Secured Mastercard: The First Progress Platinum Elite Secured Mastercard requires no credit history or minimum credit score for approval. Your security deposit is refundable, and the card is accepted nationwide. 4.
The easiest credit cards to be approved for are those designed for building or rebuilding credit, either with or without a security deposit. These are sometimes referred to as second chance credit cards.
If you have too many recent credit applications or missed payments on your credit report, you may not be approved. Your credit utilization ratio is too high. Your credit utilization ratio, or how much credit card debt you have compared to your available credit, is something that factors into your credit score.
Instant approval credit cards are the norm these days. Major credit card issuers like American Express, Chase, Citi and more can give you a "yes" or "no" within seconds of receiving your online application and reviewing the data you included, like your Social Security number, income and contact information.
- State Bank of India.
- Bank of Baroda.
- Kotak Mahindra Bank.
- Axis Bank.
- Central Bank of India.
The Capital One Platinum Secured Credit Card (see rates and fees) is easier to qualify for because it's a secured card, which means you'll need a security deposit to open the card. Although the card doesn't come with any rewards, you'll have an easier time getting approved even if you have a weaker credit score.
You can apply for a Citi credit card online, in a branch, or by calling (800) 248-4226. Applying for a Citi credit card online is the best approach because you can access the Citibank website anytime, and you may receive an instant decision.
What is the minimum credit score for a Costco Citi card?
You need a credit score of 750 or higher to get the Costco Anywhere Visa® Card by Citi, which requires excellent credit. You will also need a Costco membership if you don't already have one and enough income to afford monthly bill payments on the Costco Credit Card. A high personal credit score.
The best Citi credit card for bad credit is the Citi® Secured Mastercard® credit card because it has high approval odds as a secured credit card. It is open to applicants with limited credit, but there are some online forum reports of consumers getting accepted with bad credit.
Visa and Mastercard are the most widely accepted credit cards. Visa credit cards can be used at 44 million merchant locations in more than 200 countries and territories. Mastercard credit cards are accepted at 37 million merchant locations in more than 210 countries and territories.
| Card name | Annual fee | Security deposit |
|---|---|---|
| Discover it Secured® Secured Credit card | $0 | $200 |
| Petal® 2 “Cash Back, No Fees” Visa® Credit card | $0 | None |
| Mission Lane Visa® Credit card | $0 to $59 | None |
| Indigo® Mastercard® | $0 to $99 | None |
The best credit card for a 590 credit score is the OpenSky® Plus Secured Visa® Credit Card because it does not check your credit score when you apply and has a $0 annual fee. The OpenSky® Plus Secured Visa® Credit Card also reports to the credit bureaus on a monthly basis.
