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.
Recent denial mode: options with higher denial risk are deprioritized.
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 (Sep 2026 Update). Rankings prioritize fit and transparent terms for your range.
Chime Card™ (Credit Builder)
Builder path; often no FICO floor
- APR / premium
- No APR · $0 annual fee
- Credit
- No score requirement
OpenSky® Plus Secured Visa®
Secured access; no score requirement
- APR / premium
- ~28.99% variable · $0 annual fee
- Credit
- No score requirement
Self Visa® Secured
Builder account, then secured card
- APR / premium
- ~27.49% variable · $0 yr 1, then $25/yr
- Credit
- No minimum (Builder Account first)
Capital One Platinum
Unsecured fair-credit starter
- APR / premium
- ~29.99% variable · $0 annual fee
- Credit
- Fair (580+)
Warning: Hard credit check — weaker fit after a recent denial
Petal® 2 Visa®
Cash-flow underwriting for thin or fair files
- APR / premium
- ~17.74%–31.74% variable · $0 fees
- Credit
- Fair to good (580+)
Warning: Hard credit check — weaker fit after a recent denial
Capital One QuicksilverOne
Unsecured cash-back when the fee fits
- APR / premium
- ~29.99% variable · $39 annual fee
- Credit
- Fair (~630+)
Warning: Hard credit check — weaker fit after a recent denial
Mission Lane Visa®
Unsecured fair and rebuilding access
- APR / premium
- ~29.99%–33.99% variable · $0–$59 annual fee
- Credit
- Fair (580+)
Warning: Hard credit check — weaker fit after a recent denial
Chase Freedom Rise℠
Relationship-assisted starter
- APR / premium
- ~28.49% variable · $0 annual fee
- Credit
- Building credit (~620+)
Warning: Hard credit check — weaker fit after a recent denial
| Product | Best for | APR / premium | Credit | Rating | Actions |
|---|---|---|---|---|---|
| Chime Card™ (Credit Builder) | Builder path; often no FICO floor | No APR · $0 annual fee | No score requirement | 8.6 out of 10 Approval: Medium | Apply now |
| OpenSky® Plus Secured Visa® | Secured access; no score requirement | ~28.99% variable · $0 annual fee | No score requirement | 8.2 out of 10 Approval: Medium | Apply now |
| Self Visa® Secured | Builder account, then secured card | ~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 Platinum | Unsecured fair-credit starter | ~29.99% variable · $0 annual fee | Fair (580+) | 7.9 out of 10 Approval: Medium Warning: Hard credit check — weaker fit after a recent denial | Apply now |
| Petal® 2 Visa® | Cash-flow underwriting for thin or fair files | ~17.74%–31.74% variable · $0 fees | Fair to good (580+) | 7.8 out of 10 Approval: Medium Warning: Hard credit check — weaker fit after a recent denial | Apply now |
| Capital One QuicksilverOne | Unsecured cash-back when the fee fits | ~29.99% variable · $39 annual fee | Fair (~630+) | 7.4 out of 10 Approval: Medium Warning: Hard credit check — weaker fit after a recent denial | Apply now |
| Mission Lane Visa® | Unsecured fair and rebuilding access | ~29.99%–33.99% variable · $0–$59 annual fee | Fair (580+) | 7.3 out of 10 Approval: Medium Warning: Hard credit check — weaker fit after a recent denial | Apply now |
| Chase Freedom Rise℠ | Relationship-assisted starter | ~28.49% variable · $0 annual fee | Building credit (~620+) | 7.2 out of 10 Approval: Medium Warning: Hard credit check — weaker fit after a recent denial | Apply now |