The best cards for fair credits in January 2025

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If you have a fair Creditsss, the valuable and prestigious benefits of a Travel Creditssssssssssss of travel would possibly appear out of reach. But don’t despair. Even if your Creditsss score is not quite where you want, those most productive travel credit cards for a fair credit package in rewards and key benefits.

With over 60 years of combined experience, our editors are committed to bringing you unbiased ratings and information. Advertisers do not and cannot influence our ratings. We use data-driven methodologies to evaluate financial products and companies, so all are measured equally. You can read more about our editorial guidelines and the credit card methodology for the ratings below.

The Citi Double Cash card’s simple cash-back structure and long-lasting balance transfer APR offer make it a favorite among those who want to set it and forget it. It offers a solid cash-back rate on all purchases and an intro APR on balance transfers, all without an annual fee.

American Express® Credit One Bank® Wander® card rates are an annual rate, however, it may be the value of the position for travelers thanks to their unbeatable bonuses for travel related expenses.

Why do we love 

The Credit One Bank® Wander® Express® Credit Card wins five to 10 problems consisting of the dollar spent on purchases without maximum awards. You can also comply with your credits in line with score for free.

What We Don’t Like

This card is not offering a welcome to be offered and the rewards are only provided in money, it will not be to move them or mix them with common programs of loyalty or loyalty of the hotel. The ambitious travelers will locate the lack of purchase options restrictions.

Who is it most productive for

Since the card is designed for someone with average or better credit, the Credit One Wander is best for someone who expects to spend a lot on travel to earn rewards while they’re still building their credit score.

The Credit One Bank Wander Card offers lucrative points-earning opportunities within key travel categories, however, its extra perks and benefits fall short when compared to other premium credit cards.

The Citi Double Cash® card reigns supreme in the constant rate replacement category, with very beneficial win rates for other superior cards for fair credit.

Why We Like It 

The Citi Double Cash® Card earns an impressive 2% coins on all purchases: 1% when purchases are made and an additional 1% when paid and you get 5% general coins at the hotel, car rentals, and attractions booked on the Citi Travel℠ Portal through 12/31/25. Earnings are advertised as coin rewards, in fact, they are in fact issued as Citi Thankyou® points, which means cardholders also have a handful of airline and hotel movement partners.

For those who move a balance, the double species gives an advent to 0% in balance movements for 18 months. After that, the popular APR variable will be 18. 2 four percent to 28. 2 four percent, based on creditworthiness. Introductory moves fees of $five or 3%, depending on the highest, apply to moves completed within the first four months of opening the account. After that, prices will be five percent of the move-in (minimum $five).

What we don’t like

The 3% foreign transaction fee might dissuade frequent international travelers, making this card a better choice for people who tend to travel within the U.S.

Who It’s Best For

Nearly any traveler can appreciate the Double Cash’s high flat-rate earnings, making it a good option for someone with fair credit who wants a card that still makes sense after their credit score improves.

Not everyone needs to pursue the categories of bonuses or reorganize cars in their portfolio, which causes CITI double coins to be the best automatic credits “establish it. ” This is one of the only cars about what not only earns 2% of the currencies in all purchases: 1% when purchases are made and 1% even when reimbursed and obtained a 5% reduction in general currencies in The hotel, car rental and attractions reserved on the Citi Travel℠ portal until 12/31/25, but also offers a path to use these coins in the form of more precious travel problems on the road when it is in a position to give the Next step.

The Capital One QuickSilverone Rewards Reward Credit Card offers a superior cashback rate on each and every one purchased for a modest annual payment and there are no foreign transaction payments (fees and payments).

Why We Love It 

The lack of foreign transaction fees makes this card worth a look if you frequently travel outside the U.S. The fact that it’s marketed directly to those with Average, Fair, Limited credit is a plus if you’re starting (or restarting) your credit journey, and its flat-rate rewards make earning a breeze.

What we don’t like

Card holders can reserve Capital One Travel reservations, paying with their card, rewards or an aggregate of the two, however, this can be dissuasive if you prefer to reserve accommodation directly.

Who It’s Best For

International travelers with fair credits will work well with this card, because the lack of prices of foreign transactions can temporarily compensate their annual prices.

To find the best travel credit cards for someone with fair credit, we looked at dozens of cards from major card issuers. However, the key to finding the best cards was narrowing it down to the most likely to approve applicants with only fair credit.

Many credit card issuers will indicate which products are designed for those with fair credit. Then, it’s a matter of comparing the card’s terms, conditions and benefits. Since many credit cards for fair credit are simple products (rewards and benefits are often sacrificed in return for being accessible to those with past credit problems or a limited credit history), we further narrowed things down to cards with rewards or benefits of particular interest to travelers.

Card features reviewed and rated include:

Forbes Advisor re-evaluates the best travel credit cards for fair credit at least every six months to determine if any cards need to be added and/or removed.

For more information about our score and review method and our editorial process, consult our consultant on how Forbes Advisor accreditation cards.

The benefits of getting a credit card with fair credits include:

When you’re researching travel credit cards for fair credit, you’ll want to gather information and compare card features such as:

The procedure on how to apply for a credit card is simple, even with credits:

To download the longest price of your card to get a fair credit, be obliged to pay the credit card bill each month. In doing so, it will make significant progress towards the structure of your credits while taking merit of linked merits directed on the road.

Although it may be tempting to rate a great vacation on a card, when you have fair credit, it’s vital to be aware that you’re using the card to attend to the perks.

Since the maximum cards for fair credits do not have the same gentle benefits as ultra luxurious cards, focus on the search price where you can through things like support without transactions foreign transactions or winners of long -term trip prizes.

Although it is likely that you can not get all the benefits of the travel credit card on a single card when you have fair credits, you can get some, and there are enough functions to decide the benefits that you have more for you. Do not read the characters small before submitting the application so that you can avoid the unforeseen “extras” that you do not want, such as annual and transaction costs abroad.

Forbes accredits the Lisa Maloney card contributed to this report.

All of the credit cards on this list are potentially for someone with fair credits. Approval is never guaranteed upfront, however, it will be less difficult to get approved for one of those cards than to look at to get a premium card specially designed for someone with correct credit.

Yes, some travel credit cards for other people with a fair loan do not qualify annual rates. However, some travel cards in this category qualify the annual or foreign transaction rates. It is an intelligent practice to read the card prices list before applying.

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