![]() ![]() If your credit is fair, you should be eligible for several decent credit cards, including the ones on Forbes Advisor’s list above of best credit cards for fair credit. Higher credit scores can result in higher credit limits, more card application approvals and more favorable terms. A higher credit score can indicate that you have a good financial history and are less likely to default on a loan, so lenders use credit scores to decide whether to approve new loan and credit applications and to determine the interest rate charged on the loans or lines of credit. Higher credit scores signal to lenders that you are a responsible borrower and can be trusted to repay your debts. What is or is not an adequate credit score also varies among lenders, and you typically won’t be told what a particular lender’s exact cutoff point is between a good credit score and a not-so-good one. This makes it difficult for you to qualify for most credit cards, but options do exist-especially if you’re a student. You could have fair credit because you have very little information in your credit history or because you’ve had some credit problems in the past. ![]() You won’t find another card in the fair credit category with this full suite of additional benefits.įair credit is typically defined as a FICO Score below 669, according to Experian. Those who do can benefit from price protection, extended warranty, cell phone insurance, auto rental insurance and trip cancellation/interruption coverage. Other Benefits and Drawbacks: What helps the Capital One Walmart Card lead the fair credit card crowd is its additional benefits for those who qualify for the World Elite version of the card. Balance transfer fee of 3% of the amount of each transferred balance applies Regular APR: 17.99% or 29.74% variable APR on purchases and balance transfers. Welcome Offer: 5% back in Walmart stores for the first 12 months when using the Capital One Walmart Rewards card with Walmart Pay Rewards: 5% back on & in the Walmart app, including grocery pickup and delivery, 2% on restaurants and travel, and at Walmart Stores, Walmart & Murphy USA fuel stations and 1% back everywhere else The Capital One® Walmart Rewards® Card * might not seem like it should be a top contender, but it’s a surprisingly lucrative card-even more so for regular Walmart shoppers and in the first year of card membership. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier.Monitor your credit score with CreditWise from Capital One.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.Enjoy up to 6 months of complimentary Uber One membership statement credits through. ![]()
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