Smart Card Choices
Credit cards for fair credit
Banrox tracks 1 fair credit card, all of them at a $0 annual fee, with the terms each issuer publishes.
Recommended Credit: Fair to Good (580-739)
Processing NetworkVisa
Annual Fee$0
Capital One Quicksilver Secured Cash Rewards Credit Card
Regular Purchase APR
28.99% Variable
Balance Transfer APR
See issuer terms
Cash Advance APR
See issuer terms
At a Glance
This card is for people who need to build or rebuild credit and still want cash back while they do it. You put down a refundable deposit, $200 minimum, as of Sep 4, 2026, and that amount becomes your starting credit line, up to a higher limit if you deposit more before activation. Every purchase earns 1.5% cash back with no annual fee. The catch: several fees, including balance transfer, cash advance and late payment, are not published on the issuer's page and only appear after you apply, so treat those as unknowns until you see your terms. This is not a debit card and not a loan: it is a real revolving credit line backed by your own deposit, and it reports to the credit bureaus like any other credit card.
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