 TITLE: What Is the Easiest Credit Card to Get With Fair Credit? CONTENT: What Credit Cards Can I Qualify for With Fair Credit?\n-----------------------------------------------------\nCredit card companies may consider multiple factors when reviewing your card application, including your credit report, income, monthly bills and history with the card issuer. Your credit score can also be an important factor, and if you have a fair credit score, you may want to start by looking for one of these types of cards:\n*   **Secured credit cards**: Secured credit cards can be good for building or rebuilding your credit. You need to send the card issuer a security deposit to open your card, which will generally set your card's credit limit. To limit their risk, the issuer can hold on to the deposit if you fall behind on your bill.\n*   **Student credit cards**: Student credit cards can be easier to qualify for than other cards, as it's understood that many students don't have a credit history or high income. However, you'll typically need to be a college student to qualify.\n*   **A card from your bank or credit union**: If you have an established relationship with a bank or credit union, you may want to ask about what credit cards it offers. Sometimes, you may be able to get approved based on your account balances and history with the financial institution, even if you don't meet the standard credit score requirement.\n*   **Retail store cards**: Retail or store cards are often easier to qualify for than more general-use rewards cards. However, you might only be able to qualify for a closed-loop card, which can only be used at the associated brand's stores. An open-loop store card can be used anywhere the card's payment network (Visa or Mastercard, for instance) is accepted, and might have added perks when used with its associated retailer.\nIf you're able to qualify for a credit card with a fair score, you might not get a card that has a high credit limit or low ongoing interest rate. However, raising your score to the high end of the fair range—say 640 to 669—could expand your prospects to general-use unsecured rewards cards and cards with promotional interest rate offers.\nWhile the \"easiest\" card to get will depend on your specific credit score and overall creditworthiness, here are a few credit cards that could be good picks for applicants with fair credit.\n*   **Capital One QuicksilverOne Cash Rewards Credit Card****.** Earn 1.5% cash back on every purchase with this unsecured credit card. There's a $39 annual fee, but you may be eligible for a credit limit increase in as little as six months.\n*   **Journey Student Rewards from Capital One.** This is an unsecured no-annual-fee card with 1% cash back on all purchases, which can be boosted each month to 1.25% cash back if you pay your bill on time. Cardholders also get a $5 credit per month credit for 12 months on select streaming services.\n*   **Petal® 1 \"No Annual Fee\" Visa® Credit Card****.** As the name states, there's no annual fee on this unsecured credit card. You can earn up to 10% cash back at select merchants, and can use your banking history to help you qualify for the card.\nConsider the cards within each type and narrow in on which specific one could be best for you. If you're planning on making a large purchase, a card with an introductory 0% interest rate offer might be best. But if you want something to use for everyday purchases, a rewards card may be more appealing. END