Earn points when you make 5 transactions that post each statement period. There's no minimum spending or maximum rewards. Everyone deserves a chance to build* credit: apply today! Rates & Fees 2.9 Up to 3X Reward Rate Earn unlimited 3X points on the things that really add up - like restaurants, travel, gas stations, transit, popular streaming Read More Welcome Bonus 20,000. Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. Find a card that meets your needs. Best credit card overall for fair credit Petal 2 "Cash Back, No Fees" Visa Credit Card. The Cashback Match could fall short for modest spenders, especially if your spending doesnt line up with the cards bonus categories. And while you can use points to cover rent, you cant opt for regular cash back. Best features: This popular Discover credit card offers a whopping 5% cash back in rotating categories on up to $1,500 in quarterly purchases in Discovers Cash Back Calendar throughout the year (enrollment required, then 1%). After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness. Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. For Capital One products listed on this page, some of the above benefits are provided by Visa or Mastercard and may vary by product. Annual fees are often tacked onto cards that give access to special benefits, like credit-builder cards, rewards cards or luxury travel cards, for example. Enrollment required. This is the most common type of credit card. 29.99%-34.99% At this time, approved applications submitted directly through the Avant website will have a $39 annual membership fee, $300 credit limit, and a 30.99% APR that varies . 1% cash back on eligible purchases right away. Card Categories Low Interest 0% APR Balance Transfers Cash Back Rewards Gas Rewards Credit Type Search by Bank ADVERTISER DISCLOSURE Best features: This popular Capital One credit card got a makeover in 2021: Cardholders now earn 3% cash back on dining and entertainment, 3% cash back at grocery stores (excluding superstores like Walmart and Target), 3% cash back on popular streaming services and 1% cash back on general purchases. Earn a 3% Cash Back Reward on Gas, Groceries and Utilities, Earn a 1% Cash Back Reward on all other eligible purchases, Up to $1,000 credit limit subject to credit approval*, Pre-qualify without affecting your credit score, Early Spend Bonus: Earn $50 when you spend $100 in the first three months, Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership statement credits through 11/14/2024, Enjoy no annual fee, foreign transaction fees, or hidden fees, Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen, Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card, Build your credit with responsible card use, Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you. All information about the Wells Fargo Cash Wise Visa card and the Chase Freedom Flex has been collected independently by CreditCards.com. View All Petal 2 "Cash Back, No Fees" Visa Credit Card Details. See if you're approved in seconds, Be automatically considered for a higher credit line in as little as 6 months, Help build your credit through responsible use of a card like this, Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges, Monitor your credit score with CreditWise from Capital One. From industry experts to data analysts and, of course, credit card users, were well-positioned to give you the best advice and up-to-date information about the credit card universe. The annual fee is $0.The issuer automatically reviews your account for potential credit line increases. Many of the card offers that appear on this site are from companies from which we receive compensation. Accepting a card after your application is approved will result in a hard inquiry, which may impact your credit score, Terms & Limitations Apply. Keep an eye on your inboxwell be sending over your first message soon. For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. Earn a $200 statement credit after you spend $2,000 in purchases on your new Card within the first 6 months. Its rare, but there are credit cards without an annual fee for consumers with bad credit and even no credit history. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. Discover will automatically match all the cash back you've earned at the end of your first year! Bonus requires a $1,000 spend in the first 90 days of account opening double the spending required to earn the same bonus on several competing cards. You can compare cards side-by-side, plus get info about rewards, points, interest rates, and how to apply all in one place. The major factors we considered in our analysis include: All criteria used: Rates and fees, rewards rates, sign-up bonus, other promotional offers, redemption options and flexibility, regular APR, extra features and benefits, customer service, credit needed, security, ease of application, ability to upgrade. Reasonable efforts are made to maintain accurate information. Read our Bank of America Customized Cash Rewards credit card review or jump back to this cards offer details. (Simply make your first 6 monthly minimum payments on time), Use your card at locations everywhere that Mastercard is accepted, We may periodically review your account for credit line increases, Help strengthen your credit history with responsible use, Zero fraud liability for unauthorized charges, Conveniently pay your card through our online portal, 24/7, Get Mastercard ID Theft Protection by Mastercard, Disclosure: If you are charged interest, the charge will be no less than $1.00. Best features: Its hard to match the Blue Cash Everyday Cards 3% cash back rate at U.S. supermarkets (on up to $6,000 in purchases per year, then 1%) without paying an annual fee. If you dont spend a whole lot on travel and prefer an easy-to-use credit card over trying to maximize the amount of rewards you can earn, this no annual fee card is worth a look. 1994-2023 MasterCard. Read our Blue Cash Everyday Card from American Express review or jump back to this cards offer details. Then 16.99% to 27.99% Standard Variable Purchase APR applies, based on credit worthiness. Many of the card offers that appear on this site are from companies from which we receive compensation. Unsecured credit cards for fair credit are designed for people who have trouble getting approved for regular cards. Its one of the easiest-to-use cash back cards out there flat-rate rewards, no annual fee and a sign-up bonus thats easy to reach. With Citi Entertainment, get special access to purchase tickets to thousands of events, including concerts, sporting events, dining experiences and more. $200 online cash rewards bonus after you make at least $1,000 in purchases in the first 90 days of account opening. With a higher cost to use the card, issuers make more money upfront in case a cardholder defaults. Whether having an annual fee or not is better solely depends on the user and what your financial goals are. If you prefer straightforwardness and arent as interested in building rewards, a no annual fee credit card is the better choice. Citi will only issue one Citi Custom Cash Card account per person. Its one of the only rewards cards with no sign-up bonus. It also comes with a $200 cash rewards bonus after spending $500 in purchases within the first three months of account opening. Petal 1 "No Annual Fee" Visa Credit Card - Best for no annual fee Chase Freedom Student credit card - Best for no credit history BEST FOR BUILDING CREDIT Chime is a financial technology company, not a bank. Best for No Annual Fee Capital One Platinum 4 out of 5 Overall No foreign fees Credit builder Limited to fair Credit Minimum Get Details Best for International Students This card charges a 3% foreign transaction fee, making it a poor choice for making purchases abroad. The Petal 2 is a great option for someone trying to build credit. Cardmembers can also earn 20,000 miles (worth up to $200 in travel purchases) after spending $500 in the first three months of account opening. You may get an even higher redemption value if you transfer points to one of the cards airline or hotel partners (easily the most impressive list weve seen on a card with no annual fee). Advertising considerations may impact where and in what order offers appear on the site but do not affect any editorial decisions, such as which card products we write about and how we evaluate them. Flat 1.5% cash-back rate Capital One . Receive your card more quickly with optional Expedited Processing (additional fee applies). However, people new to credit cards will have an easier time learning the basics with a no annual fee card. Apply Now. The application might lower your credit score slightly as issuers usually perform, Once you receive your card, start establishing good habits by. Not only does this card give you more control over where and when you earn cash back, but it also includes a number of categories that may be hard to maximize otherwise, like online shopping and home improvement stores. Bottom line: We love this card for frugal families due to the lack of an annual fee and the competitive bonus categories for everyday expenses. While this card doesnt offer 5% back, the consistent 2% cash rewards can still be lucrative. No fees whatsoever. Best features: If youre an existing Bank of America customer with assets in eligible savings, checking or investment accounts, you could benefit from this cash back credit card, which offers 1.5% back on all purchases, and a potential 25% to 75% rewards boost for Preferred Rewards members (actual value of the boost varies, depending on how much you have in your Bank of America accounts). View All Blue Cash Everyday Card from American Express Details. Eric Bank 5/29/2019 . Erica Sandberg is a prominent personal finance authority and author of "Expecting Money: The Essential Financial Plan for New and Growing Families." It's free for everyone, Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app, Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Amazon Prime Store Card. View All Bank of America Unlimited Cash Rewards credit card Details. For such a low-cost card, the QuicksilverOne's rewards rate is . Biggest drawbacks: Youll get the best redemption values when you use points for travel, so the card may fall short if you only travel occasionally or dont plan to rent long-term. To determine if the card is truly worth it, estimate your potential rewards earnings, factor in the premium benefits youll receive and compare that to the annual price tag. Bottom line: This card is a solid option for Bank of America and Merrill customers with at least $20,000 across checking, savings or investment accounts as they can qualify for a 25% to 75% rewards boost through the Bank of America Preferred Rewards program. Think of the annual fee as the cost to access the line of credit. See if you're pre-approved within minutes without impacting your credit score. This will give you a better idea of whether or not you'll be approved. Youll be subject to the same fee whether youre a frequent user or only make purchases on your card in emergency situations. Check the data at the top of this page and the bank's website for the most current information. Other cash back cards could be more lucrative, as they may offer higher cash back rates in specific categories like groceries or dining. The Chime Credit Builder Card is a secured credit card that can help consumers safely build credit history. Individuals looking to establish credit will want to focus on practicing healthy financial habits and devote less of their budget towards an annual fee and the perks that come along with it. *, Your points don't expire as long as your account is in good standing, Save up to 25% at 40,000+ merchants - including gas, meals, office supplies, hotels and more - with Mastercard Easy Savings, Enjoy discounts on Intuit Quickbooks and TurboTax to streamline your accounting and simplify your taxes*. and have not been previously reviewed, approved or endorsed by any other Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. If you had spent $500 on a cash back credit card with 1% rewards that had an average APR, and only paid the minimum payment of $15 when the bill was due, then the interest you pay for that month could be $8. Cardholders also immediately earn 1% cash back on every purchase. Clicking See your approval odds will authorize us to run a soft credit pull, which well need to estimate your approval odds. FAIR CREDIT RATING 4.8. Balance Transfers do not earn cash back. to maintain accurate information. Biggest drawbacks: The spending cap may make it difficult for people with large groceries and gas budgets to earn on every purchase throughout the year. Read our Capital One VentureOne Rewards Credit Card review or jump back to this cards offer details. ago. He previously covered travel rewards credit cards, budget travel, and aviation news at SmarterTravel Media. Biggest drawbacks: Cardholders may be better served if they pair it with a card that features bonus categories in order to maximize reward earning potential. If you are looking to potentially have your annual fee waived, at least in the short term, there are a few strategies you can use when conversing with your issuer. It is one of the factors that lenders use when making approval decisions. Cardholders can also enjoy a 0% introductory APR on purchases as well as qualifying balance transfers for 15 months from account opening, then 19.99%, 24.99%, or 29.99% variable APR. Get up to $600 of cell phone protection against damage or theft when you pay your monthly cell phone bill with your eligible Wells Fargo card (subject to a $25 deductible). Theres a 0% intro APR on purchases and balance transfers made in the first 60 days for 18 billing cycles, then 17.99% to 27.99% variable APR. A credit limit that low may not cover emergency expenses. Card comes with a generous introductory APR offer on purchases and balance transfers. This bonus offer will be fulfilled as 20,000 ThankYou Points, which can be redeemed for $200 cash back. No annual or hidden fees. Prior to launching her own reporting and consulting business, she was affiliated with Consumer Credit Counseling Services of San Francisco where she counseled individuals, conducted educational workshops and led the media relations department. These editors thoroughly edit and fact-check the content, ensuring that the information is accurate, authoritative and helpful to our audience. Also, earn unlimited 1% cash back on all other purchases. This also holds true for those looking to consolidate debt, as many cards with no annual fee offer a 0% introductory APR on balance transfers. Your FICO score is calculated based on the data in your credit report collected by the three major credit bureaus: Equifax, Experian and TransUnion. On top of that, the Petal 2 has a fast preapproval process, which will not affect your credit score. Get a 0% intro APR for 15 months on purchases. Perfect credit not required for approval; we may approve you when others wont. Carrying a balance on a high-interest card can result in significant interest charges, so you should find a card with the lowest rate possible. Unsecured credit cards for fair credit are not backed by a cash deposit like secured cards. In this example, the $5 cash back for spending the $500 would be wiped out and you would actually owe more because of the interest paid. Theres a welcome bonus of $200 after you spend $1,000 in the first three months of opening your account. These terms allow CreditCards.com to use your consumer report information, including credit score, for internal business purposes, such as improving the website experience and to market other products and services to you. If you spend more than $500 on gas and groceries, then youll hit that 3% rewards spending limit and earn only 1% until the next year. In addition, this card comes with a 0% introductory APR on purchases as well as qualifying balance transfers for 15 months from account opening (then 19.99%, 24.99% or 29.99% variable APR). For more information on all things no annual fee cards, continue reading content from our credit card experts: This can be explained by observing the relationship between the cost and pricing of a card. Dont let a low FICO score stop you from applying we approve applications others may not. Like secured cards, unsecured cards for fair credit usually have low credit limits though they are typically higher than the limits on secured cards. Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. Apply on the company's website. 0% Intro APR on balance transfers and purchases for 15 months. High limit credit card. Credit limit could be as high as $10,000. Upgrade Cash Rewards Visa . Read our Wells Fargo Active Cash Card review or jump back to this cards offer details. Some of the card offers on this site are from companies who are advertising clients of U.S. News. A no annual fee card can help keep your immediate costs down while still providing plenty of value by way of lucrative sign-up bonuses, ancillary benefits and rewards programs. Also, for consumers with below-average credit or a limited credit history, the annual fee will compensate for the financial risk that the issuer assumes. Your email address unlocks your approval odds. If youre always first in line at the hottest restaurants or pre-ordering tickets for the next big concert, the SavorOne can be a valuable addition to your wallet. Get your pay up to 2 days early - Get your government benefits up to 4 days early.*. There are no annual fee flat-rate cash back cards with 1.5% or even 2% cash back on the market. No annual fee and no foreign transaction fees. Disclosure: When you apply through links on our site, we often earn referral fees from partners. If you're a Preferred Rewards member, you can earn 25%-75% more cash back on every purchase. Read our Petal 2 Cash Back, No Fees Visa Credit Card review or jump back to this cards offer details. Youll still earn rewards and avoid credit card transaction fees. Introductory 0% APR for 18 billing cycles for purchases, and for any balance transfers made in the first 60 days. Some annual fee cards will waive the annual fee for your first year as a cardholder. Compare credit cards from our partners, view offers and apply online for the card that is the best fit for you. Best features: With the Petal 2 card, you get an unsecured credit card with no annual fee, foreign transaction fee, late payment fee or penalty APRs. This can prove to be more lucrative than a flat-rate card, especially if your spending varies from month to month. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. Total Visa Card APPLY HERE Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion! No rotating bonus categories to sign up for as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories. If you have a credit score in the fair FICO range, you have fair credit. The U.S. supermarket category excludes superstores and wholesale clubs, so the card may fall short if you frequent stores like Walmart and Costco. What Are Unsecured Credit Cards for Fair Credit? When you need assistance our award-winning US-based Customer Service agents are there to help. Most no-annual-fee rewards cards offer at least $200 back as a welcome bonus. Alternatives: Depending on your spending habits, the fact that you only earn a high rewards rate in your top spend category means you may be missing out on big rewards in your second and third top spending categories. Plus, earn unlimited 1% cash back on all other purchases - automatically. The rewards rate of 1.25 miles per dollar for every purchase could be bigger. Find credit cards from Mastercard for people with fair credit. All of those fees can result in a high utilization ratio, which can have a negative effect on your credit score. You can take advantage of this offer when you apply now. Navy Federal Platinum Credit Card. There are lots of reasons why you might choose a credit card that doesnt charge an annual fee, the most obvious reason being affordability. Her articles and insights are featured in such publications as The Wall Street Journal, Pregnancy, Babytalk, Redbook, Bank Investment Consultant, Prosper.com, MSN Money and Dow Jones MarketWatch. Get free access to your FICO Score online. I understand that this is not an application for credit and that, if I wish to apply for a credit card with any participating credit card issuer, I will need to click through to complete and submit an application directly with that issuer. This compensation may impact how and where products appear on the site, including for example, the order in which they appear within listing categories. Earn up to 1x points on rent payments without the transaction fee, up to 100,000 points each calendar year. If you maximize your first-year rewards, Discovers unique Cashback Match could prove more lucrative than the flat cash bonus youll find on other cards. Our team is made up of diverse individuals with a wide range of expertise and complementary backgrounds. After the intro APR offer ends, 17.99% to 27.99% variable APR will apply. Travelers will enjoy the chance to earn unlimited 1.25 miles per dollar on every purchase as well as 5 miles per dollar on hotels and rental cars booked through Capital One Travel. Best features: The Citi Custom Cash earns 5% cash back on up to $500 in purchases each billing cycle in your top spending category (then 1%) and 1% cash back on all other purchases. 7 Credit Cards for Fair Credit: No Annual Fee (June 2023) Written by: Eric Bank Edited by: Lillian Guevara-Castro Updated: May 31, 2023 There's no shortage of credit cards for fair credit with no annual fee, but they usually lack many of the bells and whistles associated with cards pegged to higher scores. This online only offer may not be available if you leave this page or if you visit a Bank of America financial center. This card earns rewards in two of the average persons biggest spending categories: U.S. supermarkets and U.S. gas station purchases, making it a solid choice if youre looking for an easy way to save on some of your everyday spending without worrying about an annual fee. For example, if you need to build credit, consolidate debt or add a low maintenance card to your wallet, a no annual fee card is best suited. For further information about automated content on CreditCards.com, email Lance Davis, VP of Content, at lance.davis@bankrate.com. Bottom line: This no annual fee card fires on a lot of cylinders, so if youre looking for the combo of cash back, a lucrative sign-up bonus and a promotional APR, consider it a top contender. Late fees may apply, 0% Intro APR on purchases for the first 12 months, variable of 18.99% to 28.99% APR after, See if you're approved with no impact to your credit score. Depending on your spending habits, you could net more cash back at U.S. supermarkets and U.S. gas stations if youre willing to pay an annual fee. Just hover your card over a contactless reader, wait for the confirmation, and you're all set, Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you, Earn unlimited 1.5% cash back on every purchase, every day, No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. Rates as of 6/1/2023, 0% introductory APR on purchases for 15 months from account opening date, 0% introductory APR on all eligible purchases for 9 months, Earn a one-time $200 cash bonus after you spend $500 on purchases within 3 months from account opening, Earn unlimited 1.5% cash back on every purchase, every day, $0 annual fee and no foreign transaction fees, Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024, Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000. If you cant pay your balance off in full each month and end up at the high end of the variable APR (17.74% to 31.74%), you could rack up considerable debt. Biggest drawbacks: If its not your idea of fun to chase rotating categories, this isnt the best choice for you. The cards high-end APR could spell trouble if you wind up carrying a balance and may be especially risky for inexperienced cardholders. Whether you love trying new restaurants, hosting dinner parties or hitting the town, this card can help you rack up considerable cash back. Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. Apply now on Capital One's secure site Add to compare 4.9 Bankrate review Rewards Rate 10% Earn 10% cash back on purchases made through Uber & Uber Eats, plus complimentary Uber One membership. Those who frequently travel and want to maximize their spending may opt for an option that offers premium benefits and the ability to offset their cards annual fee in other ways. After that, the variable APR will be 18.99% - 28.99%, based on your creditworthiness. You can build* or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time. Alternatives: Any traveler who wants to maximize their rewards earning potential will want to look at cards that offer at least 1.5 miles per dollar on general purchases, like the Bank of America Travel Rewards Credit Card. An active television and radio commentator, Sandberg is the credit and money management expert for San Franciscos KRON-TV, a frequent guest on Forbes Video Network, Fox Business News, Bloomberg TV and all Bay Area networks. The information, including card rates and fees, presented in the review is accurate as of the date of the review. For the best experience, we encourage you to use Internet Explorer 9 (IE9) or higher. A 3% fee applies to all balance transfers. CreditCards.com is an independent, advertising-supported comparison service. Even if you never use the card for purchases, just owning it and incurring fees will cost you money. Reasonable efforts are made Bottom line: This is one of the best cards for restaurants and a great card for foodies, given it offers best-in-class cash back on dining, groceries and entertainment for a no annual fee credit card. This cards solid rewards rate in practical everyday categories and $0 annual fee make it ideal for frugal families and cash back newbies. Credit line increase . Along with cash back at grocery stores, the card earns year-round rewards at wholesale clubs, a category often missing from rewards cards. Plus, if you want to make purchases and earn rewards without having to worry about which card to pull out, you may want to consider another card. $2,000 within 3 months of opening your account. 3% Cash Back at U.S. gas stations, on up to $6,000 per year in purchases, then 1%. Instead, you'll see recommended credit ranges from the issuers listed next to cards on our site. Alternatives: Moderate spenders who rarely dine out may be better off with a single flat-rate credit card like the Capital One Quicksilver Cash Rewards card that doesnt require tracking bonus categories. Biggest drawbacks: The go-to rate after the 15-month 0% intro APR purchase and balance transfer offer ends is high, at 19.74% to 29.74% variable, which means this is not a card you want to carry a balance on. 5 min read. Intro APR does not apply to purchases. Earn unlimited 1.5% cash back on every purchase, every day, No annual or hidden fees. For example, theres the Discover it Secured Credit Card, which offers 2% at gas stations and restaurants for up to $1,000 a quarter in combined purchases, then its 1%. Despite its high point values, the card may also disappoint some travelers since it lacks perks like airport lounge access or credits for expedited security screening. Choosing An Unsecured Card for Fair Credit, Capital One QuicksilverOne Cash Rewards Credit Card, Capital One Quicksilver Cash Rewards Credit Card, Paid credit-monitoring services or websites offering free credit scores, Your monthly credit card statement, if it is offered as a cardholder benefit. Last four digits of your Social Security number, Capital One SavorOne Cash Rewards Credit Card, Capital One VentureOne Rewards Credit Card, Capital One Quicksilver Cash Rewards Credit Card, Blue Cash Everyday Card from American Express, Bank of America Customized Cash Rewards credit card, Bank of America Unlimited Cash Rewards credit card, Petal 2 Cash Back, No Fees Visa Credit Card, Petal 2 "Cash Back, No Fees" Visa Credit Card, popular Capital One credit card got a makeover in 2021, Capital One Quicksilver Cash Rewards card, Capital One SavorOne Cash Rewards Credit Card review, Bank of America Travel Rewards Credit Card, Capital One VentureOne Rewards Credit Card review, Capital One Quicksilver Cash Rewards Credit Card review, Blue Cash Preferred Card from American Express, Blue Cash Everyday Card from American Express review, Bank of America Customized Cash Rewards Card, Bank of America Preferred Rewards program, Bank of America Customized Cash Rewards credit card review, Bank of America Unlimited Cash Rewards credit card review, Petal 2 Cash Back, No Fees Visa Credit Card review. Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. They have a greater chance of defaulting than someone with a higher score, which is why applicants with fair credit are often denied new cards. Read our Discover it Cash Back review or jump back to this cards offer details. Plan your purchases well and you can end your first year with an impressive stockpile of rewards from both quarterly bonus category spending and Discovers unique Cashback Match bonus. If looking over a long receipt full of savings fills you with pride, this cards top-tier rewards and cash back variety make it a great match. If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit). Dont worry, we wont spam your inbox. There is a balance transfer fee of either $5 or 5% of the amount of each transfer, whichever is greater. The 7 Best Credit Cards for Fair or Average Credit of October 2022 The best credit cards for people with fair credit have no fees and broad criteria for approval. This new release from Bank of America lets you earn an unlimited 1.5% cash back on all eligible purchases and $200 online cash rewards bonus after making at least $1,000 in purchases in the first 90 days of your account opening. Many credit cards for fair credit charge no annual fees and come with credit-building features like free credit score and credit monitoring. Enjoy 0% intro APR on purchases and balance transfers for 15 months from the date of account opening. In the U.S. call 1.800.MasterCard (1.800.627.8372). When renting at a Bilt Alliance property, you can choose to have your rent payments automatically reported by Bilt to the three major credit bureaus each month; Experian, TransUnion, and Equifax. You when others wont having an annual fee for consumers with bad credit and no. 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