Are you looking for easy-to-obtain credit cards? If you have fair credit and want to improve your credit score, I’m here for you. In this article, I will introduce you to 20+ credit cards that are perfect for people with fair credit. These credit cards will not only help you build your credit but will also offer you rewards and perks. So let’s get started and find the best credit card for you!
Capital One – Your Gateway to Better Credit
When it comes to credit cards for fair credit, Capital One is a reliable choice. They offer two different credit cards specifically designed for people with fair credit: the Capital One Platinum Card and the Capital One Quicksilver One Card. Both of these cards only require a fair credit score to be approved.
If you want to start earning rewards right away, I recommend the Capital One Quicksilver One Card. Although it has an annual fee, it offers cash back on all your purchases. If you prefer a card with no annual fee, opt for the Capital One Platinum Card. Starting with this card can be a stepping stone towards upgrading to the Quicksilver card in the future.
Store cards – Practical and accessible
Store cards are another option to consider when you have fair credit. Target and Walmart offer store cards that are relatively easy to get approved for. The Target Red Card, in particular, is known for granting high credit limits, even to those with fair credit. The Walmart Store Card, now issued by Capital One, is also a good choice for those who frequently shop at Walmart.
If you are an avid online shopper, you may want to consider the Amazon credit card. Amazon offers store cards with easy credit approval, and you can choose between a store-only card or an Amazon Visa card issued by Chase. Amazon store cards are known for offering cash back on your purchases with no annual fee.
Explore other options
If you’re looking specifically for store cards, consider the Comenity shopping cart trick. Comenity Bank offers store cards that are relatively easy to get approved for, especially if you have fair credit. The Express Card, issued by Comenity Bank, is a popular choice for those with fair credit. It not only allows for easy approval but also offers rewards and benefits.
Synchrony Bank is another bank known for its easy credit approvals. If you want to build credit and earn rewards, their TJX Store Card, Gap Store Card, and Lowe’s Store Card are worth considering.
Tips and Tricks for Better Odds
Here are some tips to increase your chances of getting approved for the credit cards mentioned above:
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Keep the Chase 5/24 rule in mind: Chase has a rule to deny most credit card applications if you’ve been approved for more than five credit cards in the last 24 months. So, plan your applications accordingly if you have your heart set on a Chase Card.
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Don’t give up easily: If you’re declined for your credit card, don’t give up hope. Call the credit card company’s customer service department and try to plead your case. Sometimes talking with a real person can help reverse denial.
Conclusion
In this article, I have introduced you to 20+ credit cards that are perfect for people with fair credit. From Capital One to store cards and other card options, there are many choices available to help you build your credit and earn rewards. Remember, applying for a credit card requires planning and thought. So, choose the card best suited to your needs, follow the tips and tricks provided, and get started on your journey to better credit and financial stability.
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