Card options for 580-669 (fair credit)
Compare fair-credit products with lower annual fees, manageable APR ranges, and clear upgrade potential.
What are card options for 580-669 (fair credit)?
What are card options for 580-669 (fair credit)? Compare fair-credit products with lower annual fees, manageable APR ranges, and clear upgrade potential.
Recommended path
Decision checklist for this range
- Prioritize predictable fees and transparent terms over aggressive reward marketing.
- Apply only when utilization and payment behavior are stable for recent cycles.
- Use one clear next step: compare cards, read the matching guide, then run the tool.
Top picks for this score band
Snapshot from Best Credit Cards for Fair Credit. Rankings prioritize fit and transparent terms for your range.
Chime Card™ (Credit Builder)
Active pick — no credit check, no APR
- APR / premium
- No APR · $0 annual fee
- Credit
- No score requirement
8.6 out of 10
Approval: Medium
Petal® 2 Visa®
Cash-flow underwriting for thin files
- APR / premium
- ~17.74%–31.74% variable · $0 fees
- Credit
- Fair to good (580+)
8.6 out of 10
Approval: Medium
Capital One Platinum
Best unsecured starter at 580+
- APR / premium
- ~29.99% variable · $0 annual fee
- Credit
- Fair (580+)
8.4 out of 10
Approval: Medium
OpenSky® Plus Secured Visa®
Active pick — no credit check, no annual fee
- APR / premium
- ~28.99% variable · $0 annual fee
- Credit
- No score requirement
8.2 out of 10
Approval: Medium
Chase Freedom Rise℠
Existing Chase customers
- APR / premium
- ~28.49% variable · $0 annual fee
- Credit
- Building credit (~620+)
8.2 out of 10
Approval: Medium
Self Visa® Secured
Active pick — card + installment tradeline
- APR / premium
- ~27.49% variable · $0 yr 1, then $25/yr
- Credit
- No minimum (Builder Account first)
8.0 out of 10
Approval: Medium
Capital One QuicksilverOne
Real rewards on an unsecured line
- APR / premium
- ~29.99% variable · $39 annual fee
- Credit
- Fair (~630+)
8.0 out of 10
Approval: Medium
Mission Lane Visa®
Backup if Capital One declines you
- APR / premium
- ~29.99%–33.99% variable · $0–$59 annual fee
- Credit
- Fair (580+)
7.8 out of 10
Approval: Medium
Warning: Higher Denial Risk
| Product | Best for | APR / premium | Credit | Rating | Actions |
|---|---|---|---|---|---|
| Chime Card™ (Credit Builder) | Active pick — no credit check, no APR | No APR · $0 annual fee | No score requirement | 8.6 out of 10 Approval: Medium | Apply now |
| Petal® 2 Visa® | Cash-flow underwriting for thin files | ~17.74%–31.74% variable · $0 fees | Fair to good (580+) | 8.6 out of 10 Approval: Medium | Apply now |
| Capital One Platinum | Best unsecured starter at 580+ | ~29.99% variable · $0 annual fee | Fair (580+) | 8.4 out of 10 Approval: Medium | Apply now |
| OpenSky® Plus Secured Visa® | Active pick — no credit check, no annual fee | ~28.99% variable · $0 annual fee | No score requirement | 8.2 out of 10 Approval: Medium | Apply now |
| Chase Freedom Rise℠ | Existing Chase customers | ~28.49% variable · $0 annual fee | Building credit (~620+) | 8.2 out of 10 Approval: Medium | Apply now |
| Self Visa® Secured | Active pick — card + installment tradeline | ~27.49% variable · $0 yr 1, then $25/yr | No minimum (Builder Account first) | 8.0 out of 10 Approval: Medium | Apply now |
| Capital One QuicksilverOne | Real rewards on an unsecured line | ~29.99% variable · $39 annual fee | Fair (~630+) | 8.0 out of 10 Approval: Medium | Apply now |
| Mission Lane Visa® | Backup if Capital One declines you | ~29.99%–33.99% variable · $0–$59 annual fee | Fair (580+) | 7.8 out of 10 Approval: Medium Warning: Higher Denial Risk | Apply now |