Best Credit Cards of September 2026 for Fair Credit

Products from our Partners.

Capital One Platinum Credit Card

4.0

CompareCredit Score

on Capital One's secure site

Boost Your CreditReports to the credit bureaus and builds your credit when used responsibly
Fewer FeesPay no annual fee and no foreign transaction fees
Mastercard AcceptanceUse your card wherever Mastercard is accepted
Annual Fee$0
Credit Score NeededAverage, Fair, Limited
Card Brand

Select to apply online
No annual or hidden fees. See if you're approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
Top rated mobile app

4.5

CompareCredit Score

on Capital One's secure site

Mastercard AcceptanceUse your card wherever Mastercard is accepted
Rewards Rate1.5% Cash Back on every purchase, every day and 5% Cash Back on hotels, vacation rentals and rental cars booked through Capital One Travel
Extra PerksHelpful credit management tools and no foreign transaction fees
Annual Fee$39
Credit Score NeededAverage, Fair, Limited
Card Brand

Select to apply online
Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
Be automatically considered for a higher credit line in as little as 6 months
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Help strengthen your credit for the future with responsible card use
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Top rated mobile app