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If you have fair or average credit, you may not qualify for the best credit cards; but you don't have to scrape the bottom of the barrel either. There are plenty of cards designed for your credit level, from rewards to balance transfers to business.
By Brendan Harkness
By Brendan Harkness
If you have fair or average credit, with a FICO Score 8 in the 580–669 range, you’ll have access to a fairly diverse spread of credit cards. In many cases, people with fair credit may qualify for cards that seem like they’re for better credit, depending on other factors like income.
Aside from our best picks, store credit cards typically have low approval requirements, meaning people with fair or average credit can often qualify. But there are some reasons why you should be careful when applying for and using store cards, as explained below.
Credit builder loans are another tool you can employ to improve your credit, along with or instead of credit cards. These installment loans require you to pay them back before you can actually use them, creating a record of timely payments.
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