Best Credit Cards for Fair Credit of May 2026

BCC Editor's Pick 2026

Rates & Fees

Discover it® Student Cash Back

5.0 BCC Score

Apply Now

on Discover's secure site

Welcome Offer

Discover will match all the cash back you’ve earned at the end of your first year

Rewards Rate

5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.

Intro APR

0% Intro APR for 6 months and 10.99% Intro APR for 6 months, then 16.49% - 25.49% Variable APR

Annual Fee

$0

Credit Score Needed

Fair, New to Credit

Card Brand

Discover

INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $50 cash back into $100. Or turn $100 cash back into $200.
Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
Redeem cash back for any amount
No credit score required to apply.
No annual fee and build credit with responsible use.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.49% - 25.49% applies.
Terms and conditions apply.

Pros

Enjoy generous cash back rewards rates on purchases
Discover will match all the cash back you’ve earned at the end of your first year
No annual fee, no foreign transaction fees, and award-winning customer service

Cons

There is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*

Revenued Business Card

4.5 BCC Score

Apply Now

on Revenued's secure site

Welcome Offer

—

Rewards Rate

—

Intro APR

N/A, then N/A

Annual Fee

None

Credit Score Needed

No Credit, Fair, Poor, Good, Excellent

Card Brand

Visa

No origination fees, maintenance fees, or draw fees
As your revenue increases, your spending limit increases
Access cash on demand with funds deposited straight into your bank account via the Flex Line
Approvals based on your business revenue and not personal credit
24/7 access to business funding - via mobile app and Visa business card
Fast and easy - apply online and receive a funding decision in as little as an hour
Rated Excellent on Trustpilot with 600+ reviews

Pros

No origination fees, maintenance fees, or draw fees
Approvals based on your business revenue and not personal credit

Cons

High factor rates
Cannot build personal credit with this card

Rates & Fees

Discover it® Student Chrome

4.0 BCC Score

Apply Now

on Discover's secure site

Welcome Offer

Discover will match all the cash back you’ve earned at the end of your first year

Rewards Rate

2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.

Intro APR

0% Intro APR for 6 months and 10.99% Intro APR for 6 months, then 16.49% - 25.49% Variable APR

Annual Fee

$0

Credit Score Needed

Fair, New to Credit

Card Brand

Discover

INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. You could turn $50 cash back into $100. Or turn $100 cash back into $200.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. You'll still earn unlimited 1% cash back on all other purchases.
Redeem cash back for any amount
No credit score required to apply.
No annual fee and build credit with responsible use.
0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.49% - 25.49% applies.
Terms and conditions apply.

Pros

Earn generous cash back rewards on every purchase
Discover will match all the cash back you’ve earned at the end of your first year
No annual fee, no foreign transaction fees, and award-winning customer service

Cons

There is a 3% intro balance transfer fee, up to 5% fee on future balance transfers (see terms)*
A quarterly cap on the 2% cash back applies

Rates & Fees

Capital One Quicksilver Student Cash Rewards Credit Card

4.0 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

Earn $50 Cash Back when you spend $100 in the first three months

Rewards Rate

1.5% Cash Back on every purchase, every day and 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel

Intro APR

N/A, then 18.49% - 28.49% (Variable)

Annual Fee

$0

Credit Score Needed

Average, Fair, Limited

Card Brand

Mastercard

Earn unlimited 1.5% cash back on every purchase, every day
Early Spend Bonus: Earn $50 when you spend $100 in the first three months
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
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
Top rated mobile app

Pros

Simple cash back with 1.5% Cash Back on every purchase, every day
Pay no annual fee and no foreign transaction fees
Enjoy helpful account management tools like $0 fraud liability for unauthorized transactions and automatic consideration for a higher credit line in as little as 6 months

Cons

No intro APR on purchases or balance transfers. Balance Transfer Fee applies to balances transferred at a promotional rate.

Rates & Fees

Capital One Savor Student Cash Rewards Credit Card

4.0 BCC Score

Apply Now

on Capital One's secure site

Welcome Offer

Earn $50 Cash Back when you spend $100 in the first three months

Rewards Rate

3% Cash Back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel, 8% Cash Back on Capital One Entertainment purchases, and 1% Cash Back on all other purchases

Intro APR

N/A, then 18.49% - 28.49% (Variable)

Annual Fee

$0

Credit Score Needed

Average, Fair, Limited

Card Brand

Mastercard

Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Early Spend Bonus: Earn $50 when you spend $100 in the first three months
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Enjoy no annual fee, foreign transaction fees, or hidden fees
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
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
Top rated mobile app

Pros

Pay no annual fee and no foreign transaction fees
Earn generous cash back rewards on purchases with no limits
Enjoy helpful account management tools like $0 fraud liability and automatic consideration for a higher credit line in as little as 6 months

Cons

No intro APR on purchases or balance transfers. Balance Transfer Fee applies to balances transferred at a promotional rate