Fair credit? See 3 travel credit cards for you

Applying for travel credit cards isn't always fun if you have a fair credit score in the 580 and 669 range. That's because travel cards are usually aimed at consumers who have good credit in the 670 to 739 range. But even with fair credit, there are a few solid options for your next trip — including credit cards with rewards, no annual fees and credit cards with no foreign transaction fees. Use our table to compare your options. Select up to four cards and click "Compare" to see how their features stack up side by side. You can also click "Show filters" to narrow your search.

1 - 7 of 7

Name	Welcome Offer	Rewards	Annual fee
Capital One SavorOne Student Cash Rewards Credit Card	Limited Time Offer: Earn $100 when you spend $100 in the first three months	3% cash back on dining, entertainment, popular streaming services and at grocery stores, 1% on all other purchases. Plus, earn 8% cash back on Capital One Entertainment purchases and tickets at Vivid Seats, and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)	$0	Limited Time Offer: Earn $100 when you spend $100 in the first three months with this student card.	Apply now View details	Compare	loading Fetching your data...
Capital One QuicksilverOne Cash Rewards Credit Card	N/A	1.5% cash back on every purchase, every day and 5% on hotels and rental cars booked through Capital One Travel (terms apply)	$39	1.5% cash back on every purchase, every day. Plus earn 5% on hotels and rental cars booked through Capital One Travel (terms apply)	Apply now View details	Compare	loading Fetching your data...
Capital One Quicksilver Student Cash Rewards Credit Card	Limited Time Offer: Earn $100 when you spend $100 in the first three months	1.5% cash back on every purchase, every day and 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)	$0	Earn unlimited 1.5% cash back on every purchase, every day with this student card.	Apply now View details	Compare	loading Fetching your data...
Journey Student Rewards from Capital One	Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply	1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month. Also earn 5% cash back on hotels and rental cars booked through Capital One Travel (terms apply)	$0	A student credit card that boosts your cash back for the month when you pay on time.	Apply now View details	Compare	loading Fetching your data...
Brex 30 Card	Up to $150,000 worth of credits and offers for business services like Amazon Web Services, Slack, Zoom, Google Ads and more	8x points on rideshares, 5x on Brex Travel, 4x at restaurants, 3x on software subscriptions and 1x points on all other purchases	$0	The first corporate card for startups. No personal guarantee or security deposit needed, meaning your personal credit score won't be affected.	Apply now View details	Compare	loading Fetching your data...
Capital One Quicksilver Secured Cash Rewards Credit Card	N/A	1.5% cash back on every purchase, every day and 5% on hotels and rental cars booked through Capital One Travel (terms apply)	$0	No annual or hidden fees, and you can earn unlimited 1.5% cash back. See if you're approved in seconds.	Apply now View details	Compare	loading Fetching your data...
Finder Credit Card Quiz Exclusive			See terms	Take a quick quiz to get your personalized card recommendation.	Find your card View details	Compare	loading Fetching your data...

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Compare up to 4 providers

Best travel credit cards for fair credit

Quick look at the best travel credit cards for fair credit

Petal® 2 "Cash Back, No Fees" Visa® Credit Card: Best for no fees or security deposit
Capital One QuicksilverOne Cash Rewards Credit Card: Best for cash back
LATAM Visa® Secured Card: Best airline credit card for fair credit

If you have fair credit, secured credit cards may offer better approval odds. On the downside, you’ll have to put down an initial security deposit — typically $200 to $300.

As an alternative, you can shoot for an unsecured credit card that’s available to those with fair credit. But watch out for high fees and interest rates from less-reputable providers.

Best for no fees or security deposit

Petal® 2 "Cash Back, No Fees" Visa® Credit Card

Finder rating 3.1 / 5 ★★★★★

Apply now on WebBank's secure siteTerms apply, see rates & fees Read review

Petal has proprietary algorithms that help determine whether you'll be a good customer, which means you may be approved even with less than perfect credit. The card also comes with no fees, including annual and foreign transaction fees.

While the 1% cash back isn't immediately on par with that of the Capital One® QuicksilverOne® Cash Rewards Credit Card, it can increase with time. As you make on-time payments, your cash back could grow as high as 1.5%, a good rate on travel and other categories. Petal also has an offers program, allowing you to earn 2% to 10% cash back from select merchants.

Pros
Cashback rewards. You’ll earn 1% cash back on all eligible purchases. To reward responsible spending, that cashback value will be bumped to 1.25% after six on-time payments and 1.5 after 12 on-time monthly payments. The Petal 2 also earns 2% to 10% back at select retailers, including Gap, Old Navy, Casper and more.
No credit history required. If you have no credit score or limited credit history, your income and financial records, including your checking accounts and bill payments, may be analyzed to determine your eligibility. You can still apply if you already have a good credit history and you want to take advantage of the card’s generous fee structure.
No fees. There’s no annual, foreign transaction, overlimit or even late fees.
Cons
No intro APR period. Most cashback cards come with a intro APR period on purchases, balance transfers or both. Unfortunately, that’s one perk you won’t get with the Petal 2.
No signup bonus. Unlike many of its competitors that offer signup bonuses or introductory offers, Petal has no such offer.

Annual fee	$0
Purchase APR	13.74% to 27.74% variable
Balance transfer APR	N/A
Welcome Offer	N/A
Rewards	10% cash back

Pros

Cashback rewards. You’ll earn 1% cash back on all eligible purchases. To reward responsible spending, that cashback value will be bumped to 1.25% after six on-time payments and 1.5 after 12 on-time monthly payments. The Petal 2 also earns 2% to 10% back at select retailers, including Gap, Old Navy, Casper and more.
No credit history required. If you have no credit score or limited credit history, your income and financial records, including your checking accounts and bill payments, may be analyzed to determine your eligibility. You can still apply if you already have a good credit history and you want to take advantage of the card’s generous fee structure.
No fees. There’s no annual, foreign transaction, overlimit or even late fees.

Cons

No intro APR period. Most cashback cards come with a intro APR period on purchases, balance transfers or both. Unfortunately, that’s one perk you won’t get with the Petal 2.
No signup bonus. Unlike many of its competitors that offer signup bonuses or introductory offers, Petal has no such offer.

Annual fee	$0
Purchase APR	13.74% to 27.74% variable
Balance transfer APR	N/A
Welcome Offer	N/A
Rewards	10% cash back

Disclaimer

Welcome Offer	n/a
Rewards	10% cash back
Annual Fee	$0
Minimum Credit Score	New to credit

Apply now on WebBank's secure siteTerms apply, see rates & fees Read review

Best for cash back

Capital One QuicksilverOne Cash Rewards Credit Card

Finder rating 4.3 / 5 ★★★★★

Apply now on Capital One Bank®'s secure site Read review

If you want a card with flat-rate cash back, you’ll have more options with good to excellent credit. But the Capital One QuicksilverOne Cash Rewards Credit Card may be accessible right away, as it’s aimed at consumers with average credit.

Offering 1.5% cash back on all purchases, the card is a great choice on vacations and anything else you want to spend on.

Pros
Cash back. Earn unlimited 1.5% cash back on all purchases.
Access to higher credit limits. Make your payments on time for five consecutive months and Capital One may consider increasing your credit limit.
No foreign transaction fees. Use this card freely abroad and you won't pay any foreign transaction fees.
Cons
Annual fee. You'll pay a $39 annual fee for this card.
No signup bonus. You don't get to earn a bonus when you signup for this card.

Annual fee	$39
Purchase APR	26.99% variable
Balance transfer APR	26.99% variable
Welcome Offer	N/A
Rewards	5% cash back

Pros

Cash back. Earn unlimited 1.5% cash back on all purchases.
Access to higher credit limits. Make your payments on time for five consecutive months and Capital One may consider increasing your credit limit.
No foreign transaction fees. Use this card freely abroad and you won't pay any foreign transaction fees.

Cons

Annual fee. You'll pay a $39 annual fee for this card.
No signup bonus. You don't get to earn a bonus when you signup for this card.

Annual fee	$39
Purchase APR	26.99% variable
Balance transfer APR	26.99% variable
Welcome Offer	N/A
Rewards	5% cash back

Welcome Offer	n/a
Rewards	1.5% cash back
Annual Fee	$39
Minimum Credit Score	580

Apply now on Capital One Bank®'s secure site Read review

Best airline credit card for fair credit

LATAM Visa® Secured Card

Read ReviewTerms apply, see rates & fees

There are two key features of the LATAM Visa® Secured Card. The introductory annual fee is a welcome touch, making the card less expensive than the SKYPASS Visa® Secured Card. You’ll also earn points on every purchase.

Since LATAM Airlines is in Oneworld Alliance, you can use your rewards for flights on other carriers such as American Airlines, Cathay Pacific and British Airways.

Pros
Low annual fee. $0 intro annual fee for the first card year, then $25.
Earn rewards. 1x points on all purchases.
Signup bonus. Earn 5,000 points after you use your card for the first time.
LATAM discount. Enjoy a 10% discount on your first LATAM purchase, with a maximum of $500 per calendar year.
Cons
High APR. The ongoing APR for this card is 22.99% variable, which is higher than the industry average of 16%.

Annual fee	$0 intro annual fee for the first year ($25 thereafter)
Purchase APR	22.99% variable
Balance transfer APR	22.99% variable
Welcome Offer	5,000 bonus points after your first card use
Rewards	1x points

Pros

Low annual fee. $0 intro annual fee for the first card year, then $25.
Earn rewards. 1x points on all purchases.
Signup bonus. Earn 5,000 points after you use your card for the first time.
LATAM discount. Enjoy a 10% discount on your first LATAM purchase, with a maximum of $500 per calendar year.

Cons

High APR. The ongoing APR for this card is 22.99% variable, which is higher than the industry average of 16%.

Annual fee	$0 intro annual fee for the first year ($25 thereafter)
Purchase APR	22.99% variable
Balance transfer APR	22.99% variable
Welcome Offer	5,000 bonus points after your first card use
Rewards	1x points

Welcome Offer	5,000 points
Rewards	1x points
Annual Fee	$25 ongoing
Minimum Credit Score	300

Read ReviewTerms apply, see rates & fees

How we picked our best cards

We examined cards that fair-credit consumers may have good approval odds for, and those that offered rewards for travel. We gave heavier weight to cards with superior rewards and lower fees.

What’s changed in 2022

The Petal® 2 "Cash Back, No Fees" Visa® Credit Card now offers rewards. What’s more, they can increase to as much as 1.5% cash back on all purchases, which is a standard but solid rewards rate among cashback cards.

How to compare travel credit cards for fair credit

There are several factors to consider when choosing a travel credit card for fair credit. Some of these factors include:

Annual fee.
You’ll find cards with and without annual fees. If you decide to pay an annual fee, be sure you’ll get sufficient value from your card to make the cost worth it.
Rewards.
They may not be spectacular, but rewards in fair-credit travel cards do exist. Think about what you typically spend on, and consider a card that rewards you most for those categories.
Alliance partners.
With an airline credit card, it might seem like your choices for reward redemptions are limited. But there are more choices than it seems. Because major airlines often operate under an airline alliances, you may be able to use your credit card’s rewards for flights on different carriers. Consider which airlines you fly on, and see whether your card offers rewards in the same alliance.
Signup bonus.
Fair-credit travel cards typically don’t offer great signup bonuses. But if your decision is close between two cards, the bonus could be the difference maker.
Foreign transaction fee.
The best fair-credit travel cards often come with no foreign transaction fees. Skipping this fee means saving up to 3% on every purchase made abroad and with foreign online merchants.
Secured vs. unsecured.
You’ll need to put down a security deposit to open a secured card, but you might have more products to choose from. Meanwhile, you don’t need a security deposit for an unsecured card, but you might have fewer options.

Bottom line

While you don’t have your pick of travel cards just yet, you can still find decent options for your next trip. Look for the right combination of rewards and low fees to find the right product. If you’re worried about your credit score, consider a secured credit card, which might offer better approval odds.

Frequently asked questions

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Kevin Joey Chen

Kevin Joey Chen was a credit cards, banking and investments writer for Finder. His work and analysis have appeared on CNN, U.S. News & World Report, Business.com, Lifehacker and CreditCards.com.

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Compare travel credit cards for fair credit