Home Cards Easy To Use Credit Cards With Fair Credit Score – Best Credit Cards To Use With Fair Credit Score

Easy To Use Credit Cards With Fair Credit Score – Best Credit Cards To Use With Fair Credit Score

by cardshure

Easy to use credit cards with a fair credit score. If you have a fair credit score (FICO score) of 600, 610, 620, 630, or 640 these are considered fair to a poor score. However, what it means is that you may not be approved for many prime credit cards. Also, if you don’t have any major new issues, some certain cards may offer a chance of approval to help you manage your credit wisely and boost your credit score.

In this article, I have picked some credit cards that will enable you to build and manage your credit score. Just keep reading further to see those easy to use credit cards with a fair credit score.

Easy To Use Credit Cards With Fair Credit Score

Easy To Use Credit Card With Fair Credit Score

To make it an easy deal for our readers we have carefully selected from the poll of Credit cards those cards that are easy to use with fair credit score. Here are the easy to use credit cards with a fair credit score:

The OpenSky® Secured Visa® Credit Card

This is a secured credit card that does not need a credit check to apply. Even if you have poor credit or no credit at all, OpenSky is an opportunity to build your credit history.

The credit comes with these Credit score requirements:

  • Poor 500-599
  • Fair 600-699
  • Good 700-749
  • Excellent 750-850

There’s no credit check needed to get approved for this card. Choose your own security deposit between $200 – $3,000 and that becomes your credit line. Your on-time payments will be reported to all three credit bureaus, so you can start building credit responsibly.

Capital One QuicksilverOne Cash Rewards Credit Card

The Capital One QuicksilverOne Cash Rewards Credit Card offers rewards and cardholders still earn cashback. It is an excellent card for everyday cashback rewards for fair credit.

If you do not have an excellent credit score to redeem some of the bonuses other Capital One credit cards offer. Just consider the Capital One QuicksilverOne Cash Rewards Credit Card. It’s a terrific card for average credit and you can still earn 1.5% cashback on all purchases with a modest $39 annual fee.

Credit score requirements:

The credit score required for this credit card is very fair. See their rating:

  • Poor 500-599
  • Fair 600-699
  • Good 700-749
  • Excellent 750-850

The credit has these benefits 1.5% cashback on all purchases. You will be automatically considered for a higher credit line in as little as 6 months. There are no foreign transaction fees and a modest $39 annual fee.

Credit One Bank® Unsecured Visa® with Cash Back Rewards

This credit card is compatible with cardholders with average credit histories. The Credit One Bank Unsecured Visa comes with Cash Back Rewards. You are offered 1% cash rewards on eligible purchases. You have access to enjoy visa card rewards including Zero fraud liability. There is no annual fee on the cards.

The Credit card Score Requirements

This credit card score requirements are as follows

  • Poor – 500-599
  • Fair – 600-699
  • Good – 700-749
  • Excellent 750-850

The credit is backed with perks like 1% cashback on all eligible purchases made. There is no annual fee in the card. You do not need to make any security deposit and when you pre-qualification check it would not affect your card score.

Capital One Platinum Credit Card

searching for an unsecured credit card with average credit can be difficult. From our research, the Capital One Platinum Credit Card is a very good option for your search. You won’t find many perks to owning this credit card, but it’s a great first card for young people looking up to building a strong credit history and the card does not come with an annual fee.

The credit cards have these Credit score requirements:

  • Poor 500-599
  • Fair 600-699
  • Good 700-749
  • Excellent 750-850

There ate some amazing perks on this credit card such as Only average / fair/limited credit is required for approval. You will be automatically considered for a higher credit line in as little as 6 months. No annual fee or foreign transaction fees in the card.

Secured MasterCard From Capital One

When you have a secured credit card it is a vital step in bringing your credit profile out of the poor pit. The Secured Mastercard® from Capital One is one of the strongest secured credit cards on the market today. It’s rare to find one that doesn’t charge an annual fee and Capital One will automatically review your credit limit in as little as six months.

Capital One Platinum Credit Card Score Requirements

These are the Credit Score requirements for Capital One Platinum Credit Card:

  • Poor500-599
  • Fair 600 – 699
  • Good 700 – 749
  • Excellent 750 – 850

Start off with an initial credit line of $200 w/ a minimum deposit of $49, $99 or $200. By the next six months, you will be automatically considered for a higher credit line with no additional deposit needed. No annual fee and no foreign transaction fees

Milestone Gold MasterCard

If you have poor credit and are looking for a way to build it back; the Milestone® Gold Mastercard® is an excellent option. There’s a quick pre-qualification process with no impact to your credit score, modest interest rate, and an annual fee of $35 – $99.

Milestone Gold MasterCard Credit score requirements:

  • Poor 500-599
  • Fair 600-699
  • Good 700-749
  • Excellent 750-850

The Milestone Golf MasterCard comes with a $35 – $99 annual fee. Easy pre-qualification process. Previous bankruptcy is not an issue

Indigo Platinum MasterCard

The Indigo® Platinum MasterCard® offers its cardholders with poor credit the opportunity to use a credit card for their everyday spending. The Pre-qualification is quick and easy and if you have the credit profile needed, you may be able to secure a credit card with no annual fee. ($0 – $99 annual fee).

Credit score requirements:

The credit score requirements for Indigo Platinum MasterCard

  • Poor 500-599
  • Fair 600-699
  • Good 700-749
  • Excellent 750-850

The indigo MasterCard is built with a $0 – $99 annual fee. An Easy pre-qualification process. Even you previously have bankruptcy issues you will still qualify for the card.

What Is Fair Credit?

Fair credit is a broad range between average and poor credit. It’s called broad because an exact definition of what constitutes fair credit is not as specific as often think. Fair credit ranges between 580 and 669. This is a general range, and primarily according to the major credit bureaus https://www.experian.com/blogs/ask-experian/credit- education/score-basics/what-is-a-good-credit-score/

However, the actual fair credit range will depend on the industry and even a specific lender.

For instance, A bank or credit union that makes auto loans may set the minimum credit score at 650, below which they won’t extend credit. From their standpoint, a credit score below 650 is considered poor.

A mortgage lender will not offer a loan to someone whose credit score is below 620. To them, a credit score of 605 is considered poor for mortgage lending purposes.

From the analysis, you can see how fair credit score is seen by different sectors. So would not like to stay long with a fair credit score. The best way to get out is by taking new, small credit lines, then making your payments on time each month. This will enable your good payment history to gradually overcome your bad payment history.

More Related Content:

 

You may also like

Leave a Comment