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Best Credit Cards for Fair Credit of December 2021

*Editorial Note: The content of this article is based on the author’s opinions and recommendations alone. It may not have been reviewed, approved or otherwise endorsed by the credit card issuer. This site may be compensated through a credit card issuer partnership.

This article was last updated November 30, 2021 . Terms and conditions may have changed. For the most accurate information, please consult the issuer website.

Although the Capital One Platinum Credit Card doesn’t come with a rewards program, it’s still our top overall pick for best credit card for fair credit. That’s because, along with its credit requirements, the card offers a $0 annual fee, access to Capital One benefits and the potential for credit line increases.
Best Credit Cards for Fair Credit of December 2021
Best overall credit card for fair credit Capital One Platinum Credit Card
Best rewards credit card for fair credit Capital One QuicksilverOne Cash Rewards Credit Card
Best secured card for fair credit Discover it® Secured Credit Card
Best instant approval card for fair credit OpenSky® Secured Visa® Credit Card
Best student card for fair credit Discover it® Student Cash Back
Best business card for fair credit Capital One® Spark® Classic for Business

 

A fair credit score is one that falls between 580 and 669, and is one step above a poor or bad credit score. If you have fair credit, however, that doesn’t mean you have to settle for a credit card with high fees and few perks. Plus, with responsible borrowing and repayment behavior, you can move your credit score from fair to good or excellent.

After reviewing the cards available on LendingTree and from top issuers, we compiled a list of the best credit cards for individuals with fair credit.

Best For Overall credit card for fair credit

Capital One Platinum Credit Card

Capital One Platinum Credit Card

Apply Now
on Capital One's secure site
Intro Purchase APR N/A
Annual Fee $0
Regular Purchase APR 26.99% (Variable)

The Capital One Platinum Credit Card is a strong contender for those looking to boost their credit profile with the help of a credit card.

Along with reporting your card usage to the three major credit bureaus (Experian, Equifax and TransUnion), Capital One will automatically begin reviewing your account at six months to see if you qualify for a higher credit line. Plus, cardholders receive free and unlimited access to their credit score and tools to help monitor their credit through CreditWise from Capital One.

The Capital One Platinum Credit Card doesn’t offer a sign-up bonus or rewards for the purchases you make using the card. Keep in mind, though, that when building or establishing credit, it’s best to focus on practicing responsible credit card usage rather than racking up rewards. This means paying your bill on time and in full each month and keeping your balance well below your credit line.

The Capital One Platinum Credit Card comes with a $0 annual fee. As for foreign transaction fees? There are none.

Just know, the card comes with a high purchase APR of 26.99% (variable) if you carry a balance on your card from month to month.

The Capital One Platinum Credit Card is a $0 annual fee card designed for those with average/fair/limited credit who want a card that will furnish the credit bureaus with positive payment information.

While the card doesn’t earn rewards, after demonstrating responsible usage, you may be able to request a product change to a Capital One card that does — such as the Capital One QuicksilverOne Cash Rewards Credit Card or the Capital One VentureOne Rewards Credit Card.

  • Check your credit score with CreditWise
  • Foreign transaction fee of none
  • Lock your card in the Capital One app if it’s misplaced, lost or stolen
  • Shop online with virtual card numbers to protect your information

The Capital One Platinum Credit Card is a strong contender for those looking to boost their credit profile with the help of a credit card.

Along with reporting your card usage to the three major credit bureaus (Experian, Equifax and TransUnion), Capital One will automatically begin reviewing your account at six months to see if you qualify for a higher credit line. Plus, cardholders receive free and unlimited access to their credit score and tools to help monitor their credit through CreditWise from Capital One.

The Capital One Platinum Credit Card doesn’t offer a sign-up bonus or rewards for the purchases you make using the card. Keep in mind, though, that when building or establishing credit, it’s best to focus on practicing responsible credit card usage rather than racking up rewards. This means paying your bill on time and in full each month and keeping your balance well below your credit line.

The Capital One Platinum Credit Card comes with a $0 annual fee. As for foreign transaction fees? There are none.

Just know, the card comes with a high purchase APR of 26.99% (variable) if you carry a balance on your card from month to month.

The Capital One Platinum Credit Card is a $0 annual fee card designed for those with average/fair/limited credit who want a card that will furnish the credit bureaus with positive payment information.

While the card doesn’t earn rewards, after demonstrating responsible usage, you may be able to request a product change to a Capital One card that does — such as the Capital One QuicksilverOne Cash Rewards Credit Card or the Capital One VentureOne Rewards Credit Card.

  • Check your credit score with CreditWise
  • Foreign transaction fee of none
  • Lock your card in the Capital One app if it’s misplaced, lost or stolen
  • Shop online with virtual card numbers to protect your information

Best For Cash back card for fair credit

Capital One QuicksilverOne Cash Rewards Credit Card

Capital One QuicksilverOne Card

Apply Now
on Capital One's secure site
Intro Purchase APR N/A
Annual Fee $39
Regular Purchase APR 26.99% (Variable)

The Capital One QuicksilverOne Cash Rewards Credit Card is a solid option for consumers with average/fair/limited credit scores who want to earn a flat cashback rewards rate, since it offers 1.5% cash back on every purchase, every day.

Cash back can be redeemed for any amount, anytime. Rewards don’t expire for the life of the account, and can be redeemed for statement credits, checks or gift cards, or used to directly cover a recent purchase.

The Capital One QuicksilverOne Card charges a $39 annual fee, and comes with an APR of 26.99% (variable).

The Capital One QuicksilverOne Cash Rewards Credit Card is intended for individuals looking for a card that will help add positive payment history to their credit history and boost their credit score. The card is best for those who plan to spend at least $2,600 on the card in a year, since that’s how much cash back it will take to recoup the annual fee.

After demonstrating responsible card usage and building a relationship with Capital One, you may be able to request a product change to the Capital One® Quicksilver® Card, which earns cash back at the same flat rate as the Capital One QuicksilverOne Card and charges a $0 annual fee.

  • Check your credit score with CreditWise
  • Foreign transaction fee of none
  • Lock your card in the Capital One app if it’s misplaced, lost or stolen
  • Shop online with virtual card numbers to protect your information

The Capital One QuicksilverOne Cash Rewards Credit Card is a solid option for consumers with average/fair/limited credit scores who want to earn a flat cashback rewards rate, since it offers 1.5% cash back on every purchase, every day.

Cash back can be redeemed for any amount, anytime. Rewards don’t expire for the life of the account, and can be redeemed for statement credits, checks or gift cards, or used to directly cover a recent purchase.

The Capital One QuicksilverOne Card charges a $39 annual fee, and comes with an APR of 26.99% (variable).

The Capital One QuicksilverOne Cash Rewards Credit Card is intended for individuals looking for a card that will help add positive payment history to their credit history and boost their credit score. The card is best for those who plan to spend at least $2,600 on the card in a year, since that’s how much cash back it will take to recoup the annual fee.

After demonstrating responsible card usage and building a relationship with Capital One, you may be able to request a product change to the Capital One® Quicksilver® Card, which earns cash back at the same flat rate as the Capital One QuicksilverOne Card and charges a $0 annual fee.

  • Check your credit score with CreditWise
  • Foreign transaction fee of none
  • Lock your card in the Capital One app if it’s misplaced, lost or stolen
  • Shop online with virtual card numbers to protect your information

Best For Secured card for fair credit

Discover it<sup>®</sup> Secured Credit Card

Discover it® Secured Credit Card

Apply Now
on Discover's secure site
Intro Purchase APR N/A
Annual Fee $0
Regular Purchase APR 22.99% Variable APR

The Discover it® Secured Credit Card is a secured card — meaning, it requires a security deposit (ranging from $200 to $2,500) that serves as your credit line.

Discover it® Secured Credit Card holders earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically.

Plus, the card offers the following sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

The Discover it® Secured Credit Card charges a $0 annual fee. But if you carry a balance on your card from month to month, you’ll be subject to a 22.99% Variable APR.

The Discover it® Secured Credit Card is ideal for those looking to build or establish credit using a secured card. Secured cards are best for individuals whose credit scores prevent them from being approved for regular, unsecured cards.

After you’ve had the card for eight months, Discover will begin conducting monthly account reviews to see if you’re eligible to graduate to an unsecured card and get your deposit refunded. If this happens, your card will transition to a Discover it® chrome.

Note that Discover will evaluate your behavior across your credit cards and loans from Discover, as well as those from other issuers or lenders. You can also get your deposit back if you choose to close your account and pay any remaining balance.

In addition to offering a $0 annual fee, the card doesn’t charge a fee the first time you pay late; after that, the late fee will be up to $40. But beware, it’s important to pay your bill on time when trying to establish a good credit history.

  • Free FICO Score access
  • Discover Identity Alerts
  • Ability to freeze and unfreeze your card
  • U.S.-based 24/7 customer support

The Discover it® Secured Credit Card is a secured card — meaning, it requires a security deposit (ranging from $200 to $2,500) that serves as your credit line.

Discover it® Secured Credit Card holders earn 2% cash back at gas stations and restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically.

Plus, the card offers the following sign-up bonus: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

The Discover it® Secured Credit Card charges a $0 annual fee. But if you carry a balance on your card from month to month, you’ll be subject to a 22.99% Variable APR.

The Discover it® Secured Credit Card is ideal for those looking to build or establish credit using a secured card. Secured cards are best for individuals whose credit scores prevent them from being approved for regular, unsecured cards.

After you’ve had the card for eight months, Discover will begin conducting monthly account reviews to see if you’re eligible to graduate to an unsecured card and get your deposit refunded. If this happens, your card will transition to a Discover it® chrome.

Note that Discover will evaluate your behavior across your credit cards and loans from Discover, as well as those from other issuers or lenders. You can also get your deposit back if you choose to close your account and pay any remaining balance.

In addition to offering a $0 annual fee, the card doesn’t charge a fee the first time you pay late; after that, the late fee will be up to $40. But beware, it’s important to pay your bill on time when trying to establish a good credit history.

  • Free FICO Score access
  • Discover Identity Alerts
  • Ability to freeze and unfreeze your card
  • U.S.-based 24/7 customer support

Best For Fair credit instant approval

OpenSky<sup>®</sup> Secured Visa<sup>®</sup> Credit Card

OpenSky® Secured Visa® Credit Card

Apply Now
on OpenSky's secure site
Intro Purchase APR N/A
Annual Fee $35
Regular Purchase APR 17.39% (variable)

The OpenSky® Secured Visa® Credit Card is a secured card that doesn’t require a credit check to be approved. However, a refundable security deposit ranging from $200 to $3,000 is mandatory, which will serve as your line of credit.

The OpenSky® Secured Visa® Credit Card has an ongoing APR of 17.39% (variable) and charges a $35 annual fee. Note, in addition, that if you use the card to make purchases outside of the U.S., you’ll be subject to foreign transaction fees of 3% of each Transaction in U.S. dollars.

Because the OpenSky® Secured Visa® Credit Card doesn’t pull your credit, there won’t be an impact to your credit score when you apply.

But while this card does not require a bank account for approval, you’ll have to provide some financial information, including your annual income, monthly housing payment and housing payment type.

That said, unlike some secured cards, the OpenSky® Secured Visa® Credit Card doesn’t offer the option to transition to an unsecured card after demonstrating responsible card usage. Therefore, the only way to get your deposit back is to pay your balance in full and close the account once your credit improves to the point where you can qualify for an unsecured card.

  • Access to Visa benefits
  • Monthly reporting to the three major credit bureaus
  • Mail alerts
  • Four-step application process
  • Convenient mobile app

The OpenSky® Secured Visa® Credit Card is a secured card that doesn’t require a credit check to be approved. However, a refundable security deposit ranging from $200 to $3,000 is mandatory, which will serve as your line of credit.

The OpenSky® Secured Visa® Credit Card has an ongoing APR of 17.39% (variable) and charges a $35 annual fee. Note, in addition, that if you use the card to make purchases outside of the U.S., you’ll be subject to foreign transaction fees of 3% of each Transaction in U.S. dollars.

Because the OpenSky® Secured Visa® Credit Card doesn’t pull your credit, there won’t be an impact to your credit score when you apply.

But while this card does not require a bank account for approval, you’ll have to provide some financial information, including your annual income, monthly housing payment and housing payment type.

That said, unlike some secured cards, the OpenSky® Secured Visa® Credit Card doesn’t offer the option to transition to an unsecured card after demonstrating responsible card usage. Therefore, the only way to get your deposit back is to pay your balance in full and close the account once your credit improves to the point where you can qualify for an unsecured card.

  • Access to Visa benefits
  • Monthly reporting to the three major credit bureaus
  • Mail alerts
  • Four-step application process
  • Convenient mobile app

Best For Student credit card for fair credit

Discover it<sup>®</sup> Student Cash Back

Discover it® Student Cash Back

Apply Now
on Discover's secure site
Intro Purchase APR 0% Intro APR for 6 months on purchases
Annual Fee $0
Regular Purchase APR 12.99% - 21.99% Variable APR

If you’re a college student with fair/limited credit who’s looking to build up your credit score, the Discover it® Student Cash Back can help do that — while also letting you earn generous cash back on your purchases.

Cardholders earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically.

There’s also a sign-up bonus for new cardmembers: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

And if you need to finance a large purchase, like a laptop or school books, over a few months, there is an intro APR offer of 0% Intro APR for 6 months on purchases from the date of account opening. After that, the interest rate will range from a 12.99% - 21.99% Variable APR.

The Discover it® Student Cash Back has a $0 annual fee — which helps make it a good fit for college students on a budget.

Note, though, that if you don’t activate the quarterly 5% categories, you’ll earn just 1% back on every purchase — plus, there’s a $1,500 spending cap on each quarterly category. If you max out that cap each quarter, you’ll earn $75 in cash back before your rate drops to 1% after the first year.

Despite the effort required to activate a new category every quarter, the Discover it® Student Cash Back’s rewards program, along with its $0 annual fee, make it hard to beat. But if fussing over bonus categories is too much trouble, students should look to other student cards that are more straightforward, such as the Discover it® Student chrome.

  • Foreign transaction fees: None
  • Free access to your FICO Score
  • Dark web monitoring for your Social Security number (when you opt in)
  • Ability to freeze and unfreeze your card online
  • No late fee on your first late payment
  • No penalty APR

If you’re a college student with fair/limited credit who’s looking to build up your credit score, the Discover it® Student Cash Back can help do that — while also letting you earn generous cash back on your purchases.

Cardholders earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically.

There’s also a sign-up bonus for new cardmembers: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

And if you need to finance a large purchase, like a laptop or school books, over a few months, there is an intro APR offer of 0% Intro APR for 6 months on purchases from the date of account opening. After that, the interest rate will range from a 12.99% - 21.99% Variable APR.

The Discover it® Student Cash Back has a $0 annual fee — which helps make it a good fit for college students on a budget.

Note, though, that if you don’t activate the quarterly 5% categories, you’ll earn just 1% back on every purchase — plus, there’s a $1,500 spending cap on each quarterly category. If you max out that cap each quarter, you’ll earn $75 in cash back before your rate drops to 1% after the first year.

Despite the effort required to activate a new category every quarter, the Discover it® Student Cash Back’s rewards program, along with its $0 annual fee, make it hard to beat. But if fussing over bonus categories is too much trouble, students should look to other student cards that are more straightforward, such as the Discover it® Student chrome.

  • Foreign transaction fees: None
  • Free access to your FICO Score
  • Dark web monitoring for your Social Security number (when you opt in)
  • Ability to freeze and unfreeze your card online
  • No late fee on your first late payment
  • No penalty APR

Best For Business credit card for fair credit

Capital One® Spark® Classic for Business

Highlights
  • Earn unlimited 1% cash back for your business on every purchase, everywhere, no limits or category restrictions
  • No annual fee
  • Build and strengthen credit for your business by using this credit card responsibly
  • $0 Fraud Liability if your card is lost or stolen
  • Free employee cards, which also earn unlimited 1% cash back on all purchases
  • Rewards won't expire for the life of the account, and you can redeem your cash back for any amount
  • No foreign transaction fees

Most small business credit cards require good-to-excellent credit to qualify. However, the Capital One® Spark® Classic for Business is available to applicants with fair/limited credit.

Plus, it earns 1% cash back on every purchase, with an annual fee of $0.

Rewards won’t expire as long as the account is open, and there’s no cap on how much cash back you can earn. Cash back can be redeemed for statement credits, checks or gift cards, or as credit for previous purchases.

In addition, there’s no charge for extra cards to issue to your employees, and you’ll earn cash back on the purchases they make.

There’s also a high 26.99% (variable) APR.

Business owners with less-than-stellar credit can build credit history and earn cash back with the Capital One® Spark® Classic for Business. It’s a flat-rate, $0-annual-fee card that’s worthy of consideration if you think you’ll struggle to qualify for other business credit cards.

While many business cards offer sign-up bonuses if you spend a certain amount within a set period of time from opening the account, this one does not.

There are numerous business cards with better cashback rates than 1%. However, keep in mind that such cards will require better than fair credit.

  • Foreign transaction fee: None
  • Free employee cards with customizable spending limits
  • Extended warranty
  • Lock your card or an employees if it has been misplaced, lost or stolen
  • Make payments online with virtual card numbers to protect your info
  • Downloadable purchase records
  • Itemized year-end summaries of spending
  • Roadside assistance

Most small business credit cards require good-to-excellent credit to qualify. However, the Capital One® Spark® Classic for Business is available to applicants with fair/limited credit.

Plus, it earns 1% cash back on every purchase, with an annual fee of $0.

Rewards won’t expire as long as the account is open, and there’s no cap on how much cash back you can earn. Cash back can be redeemed for statement credits, checks or gift cards, or as credit for previous purchases.

In addition, there’s no charge for extra cards to issue to your employees, and you’ll earn cash back on the purchases they make.

There’s also a high 26.99% (variable) APR.

Business owners with less-than-stellar credit can build credit history and earn cash back with the Capital One® Spark® Classic for Business. It’s a flat-rate, $0-annual-fee card that’s worthy of consideration if you think you’ll struggle to qualify for other business credit cards.

While many business cards offer sign-up bonuses if you spend a certain amount within a set period of time from opening the account, this one does not.

There are numerous business cards with better cashback rates than 1%. However, keep in mind that such cards will require better than fair credit.

  • Foreign transaction fee: None
  • Free employee cards with customizable spending limits
  • Extended warranty
  • Lock your card or an employees if it has been misplaced, lost or stolen
  • Make payments online with virtual card numbers to protect your info
  • Downloadable purchase records
  • Itemized year-end summaries of spending
  • Roadside assistance
The information related to the Capital One® Spark® Classic for Business has been collected by LendingTree and has not been reviewed or provided by the issuer of this card prior to publication. Terms apply.

Side-by-side comparison of the best credit cards for fair credit

Credit cardBest forAnnual fee
Capital One Platinum Credit CardOverall credit card for fair creditNon-rewards Card$0
Capital One QuicksilverOne Cash Rewards Credit CardCash back card for fair credit1.5% Cash Back on every purchase, every day$39
Discover it® Secured Credit CardSecured card for fair credit2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, 1% unlimited cash back on all other purchases - automatically$0
OpenSky® Secured Visa® Credit CardFair credit instant approvalNone$35
Discover it® Student Cash BackStudent credit card for fair credit5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate, 1% unlimited cash back on all other purchases - automatically$0
Capital One® Spark® Classic for BusinessBusiness credit card for fair credit1% Cash Back on every purchase$0

Methodology

To select the best card for each of these categories, our credit card experts compared credit cards that require fair credit for approval on LendingTree.com and on major issuer and credit union sites.

We chose our top picks based on a variety of factors, such as each card’s annual fee, the rewards program and the interest rate.

Other factors that come into play when making our selection may include the benefits offered by the card, as well as the opportunity to improve your credit score or increase your line of credit.

What is fair credit?

According to FICO, the most commonly used credit scoring model, a fair credit score ranges from 580 to 669. It’s competitor, VantageScore, considers a fair credit score to be 601 to 660. Experian states that roughly 17% of Americans have a fair FICO score, and 13% have a fair VantageScore.

Credit scores, which generally range from 300 to 850, are calculated using information that’s been reported to the three major credit bureaus (Equifax, Experian and TransUnion) from previous or existing credit accounts. The credit ratings of poor to exceptional vary depending on the credit-scoring model.

For example, FICO uses the following ranges:

  • Poor credit: 300 to 579
  • Fair credit: 580 to 669
  • Good credit: 670 to 739
  • Very good: 740 to 799
  • Exceptional: 800 to 850

 

VantageScore, on the other hand, utilizes the following ranges:

  • Very poor credit: 300 to 499
  • Poor credit: 500 to 600
  • Fair credit: 601 to 660
  • Good credit: 661 to 780
  • Excellent credit: 781 to 850

 

When determining which category you fall within, a credit card issuer may take additional factors into consideration. For example, Capital One considers fair credit applicants to be those who have defaulted on a loan in the past five years, or those who have limited credit history — meaning, they’ve owned a credit card or other credit for less than three years (including students, people new to the U.S. or authorized users on someone else’s credit card). While Discover states that the fair credit category generally includes consumers who may have been 30, 60 or 90 days late on a payment.

The lower your credit score, the less chance you have of being approved for a credit card or loan with favorable terms and a low interest rate.

Fair credit credit cards FAQs

Once you have a credit card, you can improve your credit score by following these best practices:

 

  • Pay on time and in full. Your payment history is the most important factor affecting your credit score, so you should always pay on time. Paying in full isn’t required for a good score, but will help you to avoid building up a balance and incurring interest charges.
  • Don’t max out your card. Utilization, or how much of your credit limit you’re using, is the second-most important factor weighing on your credit score. Personal finance experts recommend spending no more than 30% of your credit limit. For example, on a card with a $500 credit limit, don’t carry more than a $150 balance at any point.
  • Apply for new credit sparingly. When you apply for new credit, it generates a hard inquiry and lowers your average age of accounts, both of which hurt your score. However, with responsible usage, your score should recover over time and continue to move up.

Yes, each card in this list is available to consumers with fair credit. Just know, you should avoid applying for multiple credit cards at the same time, since each application typically initiates a hard inquiry on your credit report — which can have a negative impact on your score.

Probably not. Typically, balance transfer credit cards require at least a good credit score (670 or higher) to qualify.

Cards that earn travel rewards and provide travel benefits are usually aimed at applicants with good or excellent credit. However, it is possible for applicants with fair credit to find cards that earn cash back or offer discounts on purchases.

You can check your credit score in a variety of ways without generating a hard inquiry, so it won’t be negatively affected. For example, you can request a free copy of your FICO Score every 30 days through Experian, or sign up for a free credit score through the LendingTree app.

 

Additionally, the Fair Credit Reporting Act (FCRA) requires each of the three major credit bureaus to provide individuals with free credit report through AnnualCreditReport.com — in particular, you’ll receive one any time that a company takes adverse action against you, such as rejecting you for a credit card or loan.

FICO considers a score of 670 to 739 to be a good credit score. According to Discover, the “good credit” category generally includes dependable borrowers who may have been slightly late on a payment in the past or who may not have a long credit history.

 

Capital One, on the other hand, states that a good credit candidate has not declared bankruptcy on a loan in the past five years. Additionally, the individual has a credit card or loan and have not been more than 30 day late on any payment in the last five years.

Tracy Brackman

Tracy joined LendingTree in June 2019 as a senior writer. She began working in the credit card space in 2009 as the editorial department manager for FlexOffers, an affiliate marketing company. She went on to work as product information manager for Bankrate, where she managed the financial and credit card product details for two affiliate networks, as well as Bankrate owned and operated sites. Prior to joining LendingTree, Tracy worked as products editor for CreditCards.com, where she developed the credit card products section and created content focused on breaking credit card news.

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