Best fair credit credit cards

1. 1
   

   Wells Fargo

   Active Cash Credit Card

   2% cash rewards on purchases with no categories to track or quarterly activations

   Worth about $624 every year on typical spending — rewards and credits minus the $0 fee.

   $624/ yearAnnual fee $0
2. 2
   

   Citi

   Citi Double Cash Credit Card

   2% cash back on purchases: 1% when you buy · 1% as you pay, with no category enrollment, caps, or annual fee

   Worth about $624 every year on typical spending — rewards and credits minus the $0 fee.

   $624/ yearAnnual fee $0
3. 3
   U.S. Bank Smartly Visa Signature Card

   U.S. Bank

   U.S. Bank Smartly Visa Signature Card

   2% cash back on every purchase with no caps, and up to an additional 2% cash back when paired with qualifying U.S. Bank accounts

   Worth about $624 every year on typical spending — rewards and credits minus the $0 fee.

   $624/ yearAnnual fee $0
4. 4
   

   American Express

   Blue Cash Preferred Card

   6% cash back on eligible purchases at U.S. supermarkets, on up to $6,000 per year in purchases (then 1%) · 6% cash back on select U.S. streaming subscriptions

   Worth about $607 every year on typical spending — rewards and credits minus the $95 fee.

   $607/ yearAnnual fee $95
5. 5
   

   Chase

   Chase Sapphire Preferred Credit Card

   5x points on Chase Travel · 3x points on dining, gas stations, EV charging, vacation homes, top streaming services, and online grocery

   Worth about $561 every year on typical spending — rewards and credits minus the $95 fee.

   $561/ yearAnnual fee $95
6. 6
   

   Barclays

   Wyndham Rewards Earner Plus Card

   6 points per $1 spent on eligible purchases made at Hotels by Wyndham · 4 points per $1 spent on dining, grocery store purchases, and travel

   Worth about $552 every year on typical spending — rewards and credits minus the $95 fee.

   $552/ yearAnnual fee $95
7. 7
   U.S. Bank Altitude Go Secured Visa Card

   U.S. Bank

   U.S. Bank Altitude Go Secured Visa Card

   4X points on dining, takeout, and restaurant delivery · 2X points at gas stations and grocery stores

   Worth about $545 every year on typical spending — rewards and credits minus the $0 fee.

   $545/ yearAnnual fee $0
8. 8
   

   Chase

   Chase Freedom Unlimited

   1.5% cash back · 3% on dining and drugstore purchases

   Worth about $540 every year on typical spending — rewards and credits minus the $0 fee.

   $540/ yearAnnual fee $0
9. 9
   

   Chase

   IHG One Rewards Premier Credit Card

   24X total points per $1 spent when you stay at IHG Hotels and Resorts

   Worth about $540 every year on typical spending — rewards and credits minus the $150 fee.

   $540/ yearAnnual fee $150
10. 10
    

    Citi

    Citi Strata Premier Card

    10 points per dollar spent on Hotels, Car Rentals, and Attractions booked on cititravel.com · 3 points per dollar spent on Air Travel, Restaurants, Supermarkets, and Gas & EV Charging Stations

    Worth about $531 every year on typical spending — rewards and credits minus the $95 fee.

    $531/ yearAnnual fee $95

Yearly value is rewards plus credits you'd realistically use, minus the annual fee, on $2,600/month: $500 groceries, $400 dining, $200 gas, $300 travel, $1,200 everything else. Points use conservative cash values; store-only rewards count at half. How we rank · Use your own spending

• Cash back
• Travel
• No annual fee
• Dining
• Groceries
• Gas
• No foreign fee
• Premium
• No-fee cash back
• No-fee travel
• No-fee dining
• No-fee groceries
• Balance transfer
• Students
• Business

Card details are collected from issuer websites and were last refreshed October 29, 2026. Terms change often; confirm them with the issuer before you apply.