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Credit Cards for Fair Credit

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Capital One QuicksilverOne Cash Rewards Credit Card
 

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on Capital One's secure site

  • Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • No Limits or Restrictions No rotating categories, cash back won't expire for the life of the account and no limit to how much you can earn
  • Regular Purchase APR 28.49% (Variable)
  • Annual Fee $39
  • Credit Needed Fair/Limited
  • Card Brand Mastercard®
  • Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • No Limits or Restrictions No rotating categories, cash back won't expire for the life of the account and no limit to how much you can earn
  • Regular Purchase APR 28.49% (Variable)
  • Annual Fee $39
  • Credit Needed Fair/Limited
  • Card Brand Mastercard®

Highlights

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Capital One Platinum Credit Card
 

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on Capital One's secure site

  • Credit Line Increase Be automatically considered for a higher credit line in as little as 6 months
  • Annual Fee Pay no annual fee
  • Regular Purchase APR 28.49% (Variable)
  • Annual Fee $0
  • Credit Needed Fair/Limited
  • Card Brand Mastercard®
  • Credit Line Increase Be automatically considered for a higher credit line in as little as 6 months
  • Annual Fee Pay no annual fee
  • Regular Purchase APR 28.49% (Variable)
  • Annual Fee $0
  • Credit Needed Fair/Limited
  • Card Brand Mastercard®

Highlights

  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you

See additional details for Capital One Platinum Credit Card

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

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on Petal's secure site

  • Rewards Rate Earn 1% cash back on eligible purchases right away, and 2% to 10% cash back at select merchants
  • Build Credit Those with thin to no credit file may be accepted based on Cash Flow underwriting alone. Petal card is reported to all 3 major credit bureaus.
  • No Fees Of Any Kind No late fee, foreign transaction fee, or annual fee.
  • Annual Fee $0
  • Credit Needed N/A
  • Card Brand Visa®
  • Rewards Rate Earn 1% cash back on eligible purchases right away, and 2% to 10% cash back at select merchants
  • Build Credit Those with thin to no credit file may be accepted based on Cash Flow underwriting alone. Petal card is reported to all 3 major credit bureaus.
  • No Fees Of Any Kind No late fee, foreign transaction fee, or annual fee.
  • Annual Fee $0
  • Credit Needed N/A
  • Card Brand Visa®

Highlights

  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Variable APRs range from 15.99% - 29.99%
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back at select merchants
  • $300 - $10,000 credit limits
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • See if you're pre-approved within minutes without impacting your credit score.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required
  • Card issued by WebBank, Member FDIC
AvantCard Credit Card
 

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on Avant's secure site

  • Apply Online Fast and easy application process
  • No Hidden Fees No deposit required and no penalty APR
  • Regular APR 28.74% Variable
  • Annual Fee $59
  • Credit Needed Fair/Poor/Limited
  • Card Brand Mastercard®
  • Apply Online Fast and easy application process
  • No Hidden Fees No deposit required and no penalty APR
  • Regular APR 28.74% Variable
  • Annual Fee $59
  • Credit Needed Fair/Poor/Limited
  • Card Brand Mastercard®

Highlights

  • Fast and easy application process
  • No deposit required
  • No hidden fees
  • No penalty APR
  • Report to all three major credit bureaus
  • Zero fraud liability for unauthorized charges
  • Avant branded credit products are issued by WebBank, member FDIC
  • Disclosure: If you are charged interest, the charge will be no less than $1.00
  • Late Fee up to $39
  • Checking your eligibility does not affect your credit score

See additional details for AvantCard Credit Card

Milestone Mastercard®
 

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on Genesis FS Card Services's secure site

  • Mastercard Benefits Accepted Worldwide and $0 Fraud Liability
  • Mobile Access Access your account online or from your mobile device 24/7
  • Regular Purchase APR 24.9%
  • Annual Fee $35-$99, depending on creditworthiness*
  • Credit Needed Fair/Poor
  • Card Brand Mastercard®
  • Mastercard Benefits Accepted Worldwide and $0 Fraud Liability
  • Mobile Access Access your account online or from your mobile device 24/7
  • Regular Purchase APR 24.9%
  • Annual Fee $35-$99, depending on creditworthiness*
  • Credit Needed Fair/Poor
  • Card Brand Mastercard®

Highlights

  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S

See additional details for Milestone Mastercard®

Credit One Bank® Platinum Visa®
 

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on Credit One Bank's secure site

Rates & Fees
  • Rewards Rate Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • Purchase APR 26.99% Variable
  • Grow Your Credit Line Automatic reviews for credit line increase opportunities
  • Annual Fee $39
  • Credit Needed Good/Fair
  • Card Brand Visa®
  • Rewards Rate Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • Purchase APR 26.99% Variable
  • Grow Your Credit Line Automatic reviews for credit line increase opportunities
  • Annual Fee $39
  • Credit Needed Good/Fair
  • Card Brand Visa®

Highlights

  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Free Online Credit Score and Credit Report summary, terms apply
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Show off your personality by selecting from a variety of card designs, a fee may apply

See additional details for Credit One Bank® Platinum Visa®

Discover it® Student Cash Back
 

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on Discover's secure site

Rates & Fees
  • Intro Purchase APR 0% intro for 6 Months*
  • Rewards Rate 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Ongoing APR 16.74% - 25.74% Variable APR*
  • Annual Fee $0
  • Credit Needed Fair/Limited
  • Card Brand Discover
  • Intro Purchase APR 0% intro for 6 Months*
  • Rewards Rate 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Ongoing APR 16.74% - 25.74% Variable APR*
  • Annual Fee $0
  • Credit Needed Fair/Limited
  • Card Brand Discover

Highlights

  • INTRO OFFER: 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.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No credit score required to apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 16.74% - 25.74% applies.
  • Click "Apply Now" to see terms and conditions.

See additional details for Discover it® Student Cash Back

Chase Freedom® Student credit card
 

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on Chase's secure site

  • Rewards Rate Earn 1% cash back on all purchases plus $20 Good Standing Rewards after each account anniversary for up to 5 years
  • Sign-Up Bonus $50 Bonus after first purchase made within the first 3 months from account opening
  • APR 17.99% Variable on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®
  • Rewards Rate Earn 1% cash back on all purchases plus $20 Good Standing Rewards after each account anniversary for up to 5 years
  • Sign-Up Bonus $50 Bonus after first purchase made within the first 3 months from account opening
  • APR 17.99% Variable on purchases and balance transfers
  • Annual Fee $0
  • Credit Needed Excellent/Good
  • Card Brand Visa®

Highlights

  • $50 Bonus after first purchase made within the first 3 months from account opening
  • Earn 1% cash back on all purchases
  • No annual fee
  • $20 Good Standing Rewards after each account anniversary for up to 5 years
  • Earn a credit limit increase after making 5 monthly payments on time within 10 months from account opening when meeting credit criteria
  • No minimum to redeem for cash back. Cash Back rewards do not expire as long as your account is open.
  • Free credit score with Chase Credit Journey

See additional details for Chase Freedom® Student credit card

Surge® Secured Mastercard®
 

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on Celtic Bank's secure site

  • Rewards Rate 1% Cash Back rewards on every purchase
  • Credit Line $300
  • Regular APR 19.99% Variable
  • Annual Fee $69
  • Credit Needed Poor
  • Card Brand Mastercard®
  • Rewards Rate 1% Cash Back rewards on every purchase
  • Credit Line $300
  • Regular APR 19.99% Variable
  • Annual Fee $69
  • Credit Needed Poor
  • Card Brand Mastercard®

Highlights

  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash Back rewards on every purchase
  • Free access to your Vantage 3.0 Score from Experian (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard is accepted
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required

See additional details for Surge® Secured Mastercard®

Indigo® Mastercard®
 

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on Genesis FS Card Services's secure site

  • Easy Pre-qualification Quick pre-qualification available with no impact to your credit score*
  • Custom Card Design Pick from multiple card designs at no extra charge*
  • Reports to Credit Bureaus Account history is reported to the three major credit bureaus in the U.S.
  • Annual Fee $0 - $99
  • Credit Needed Good/Fair
  • Card Brand Mastercard®
  • Easy Pre-qualification Quick pre-qualification available with no impact to your credit score*
  • Custom Card Design Pick from multiple card designs at no extra charge*
  • Reports to Credit Bureaus Account history is reported to the three major credit bureaus in the U.S.
  • Annual Fee $0 - $99
  • Credit Needed Good/Fair
  • Card Brand Mastercard®

Highlights

  • Easy pre-qualification process with fast response
  • Don't have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.

See additional details for Indigo® Mastercard®

Destiny Mastercard®
 

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on Genesis FS Card Services's secure site

  • Easy Pre-qualification Prequalify for a card today and it will not impact your credit score
  • Regular Purchase APR 24.9%
  • Build Credit Reports to all three major credit bureaus
  • Annual Fee $59-$99
  • Credit Needed Good/Fair/Poor/Limited
  • Card Brand Mastercard®
  • Easy Pre-qualification Prequalify for a card today and it will not impact your credit score
  • Regular Purchase APR 24.9%
  • Build Credit Reports to all three major credit bureaus
  • Annual Fee $59-$99
  • Credit Needed Good/Fair/Poor/Limited
  • Card Brand Mastercard®

Highlights

  • Earn 1.5% cashback rewards on all of your eligible purchases!
  • Reports to all three major credit bureaus
  • Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
  • Reports to all three major credit bureaus

See additional details for Destiny Mastercard®

PREMIER Bankcard® Grey Credit Card
 

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on PREMIER Bankcard®'s secure site

  • Build Credit* Manageable credit limit, manageable payment, meant to fit your budget
  • Fast Application Fill out an application and know in 60 seconds if you’re approved!
  • Online Account Access A full-service website means PREMIER Bankcard® customers enjoy 24-hour access to easily manage personal account needs.
  • Annual Fee See Provider Website
  • Credit Needed Poor
  • Card Brand Mastercard®
  • Build Credit* Manageable credit limit, manageable payment, meant to fit your budget
  • Fast Application Fill out an application and know in 60 seconds if you’re approved!
  • Online Account Access A full-service website means PREMIER Bankcard® customers enjoy 24-hour access to easily manage personal account needs.
  • Annual Fee See Provider Website
  • Credit Needed Poor
  • Card Brand Mastercard®

Highlights

  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • You can build* or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
  • *Build credit by keeping your balance low and paying all your bills on time every month.

See additional details for PREMIER Bankcard® Grey Credit Card

PREMIER Bankcard® Mastercard® Credit Card
 

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on PREMIER Bankcard®'s secure site

  • Build Credit* Manageable credit limit, manageable payment, meant to fit your budget
  • Fast Application Fill out an application and know in 60 seconds if you’re approved!
  • Online Account Access A full-service website means PREMIER Bankcard® customers enjoy 24-hour access to easily manage personal account needs.
  • Annual Fee See Provider Website
  • Credit Needed Poor
  • Card Brand Mastercard®
  • Build Credit* Manageable credit limit, manageable payment, meant to fit your budget
  • Fast Application Fill out an application and know in 60 seconds if you’re approved!
  • Online Account Access A full-service website means PREMIER Bankcard® customers enjoy 24-hour access to easily manage personal account needs.
  • Annual Fee See Provider Website
  • Credit Needed Poor
  • Card Brand Mastercard®

Highlights

  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
Credit One Bank® Platinum X5 Visa®
 

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on Credit One Bank's secure site

Rates & Fees
  • Rewards Rate Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
  • Cash Back Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
  • Fraud Protection With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Annual Fee $95
  • Credit Needed Good
  • Card Brand Visa®
  • Rewards Rate Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
  • Cash Back Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
  • Fraud Protection With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Annual Fee $95
  • Credit Needed Good
  • Card Brand Visa®

Highlights

  • Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges     
  • Free Online Credit Score and Credit Report summary, terms apply
  • Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply 
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer

See additional details for Credit One Bank® Platinum X5 Visa®

Discover it® Student chrome
 

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on Discover's secure site

Rates & Fees
  • Intro Purchase APR 0% Intro APR for 6 months
  • Rewards Rate 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
  • Ongoing APR 15.74% - 26.74% Variable APR*
  • Annual Fee $0
  • Credit Needed Fair/Limited
  • Card Brand Discover
  • Intro Purchase APR 0% Intro APR for 6 months
  • Rewards Rate 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
  • Ongoing APR 15.74% - 26.74% Variable APR*
  • Annual Fee $0
  • Credit Needed Fair/Limited
  • Card Brand Discover

Highlights

  • INTRO OFFER: 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.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • No credit score required to apply.
  • Discover helps remove your personal information from select people-search websites. Activate by mobile app for free.
  • No annual fee and build your credit with responsible use.
  • Get a 0% intro APR for 15 months on purchases. Then 15.74% to 26.74% Standard Variable Purchase APR applies, based on credit worthiness
  • Click "Apply Now" to see terms and conditions.

See additional details for Discover it® Student chrome

Petal® 1 No Annual Fee Visa® Credit Card
 

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on Petal's secure site

  • Rewards Rate Earn 2% to 10% cash back at select merchants
  • Build Credit Cash Score technology may help applicants without credit history get approved. Petal reports to all 3 major credit bureaus
  • Credit Limit $300 - $5,000 credit limits
  • Annual Fee $0
  • Credit Needed N/A
  • Card Brand Visa®
  • Rewards Rate Earn 2% to 10% cash back at select merchants
  • Build Credit Cash Score technology may help applicants without credit history get approved. Petal reports to all 3 major credit bureaus
  • Credit Limit $300 - $5,000 credit limits
  • Annual Fee $0
  • Credit Needed N/A
  • Card Brand Visa®

Highlights

  • $0 Annual Fee
  • Variable APRs range from 22.99% - 32.49%
  • $300 - $5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • 2% - 10% cash back at select merchants
  • See if you're pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
Aspire® Cash Back Reward Card
 

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on Aspire's secure site

  • Rewards Rate Up to 3% Cashback Reward
  • Regular APR 29.99% OR 36% (V)
  • Credit Line Up to $1,000 credit limit subject to credit approval
  • Annual Fee As low as $85
  • Credit Needed Fair
  • Card Brand Mastercard®
  • Rewards Rate Up to 3% Cashback Reward
  • Regular APR 29.99% OR 36% (V)
  • Credit Line Up to $1,000 credit limit subject to credit approval
  • Annual Fee As low as $85
  • Credit Needed Fair
  • Card Brand Mastercard®

Highlights

  • With the Aspire® Mastercard® Credit Card, you earn 3% cash back reward on Gas, Groceries and Utility Payments
  • Earn 1% cash back reward on all other purchases
  • Up to $1,000 credit limit subject to credit approval
  • Pre-qualify without affecting your credit score
  • No deposits or program fee
  • Free access to your Vantage 3.0 score from Equifax*
  • Simple Secure Online Application
  • Unsecured Mastercard®
  • *Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

See additional details for Aspire® Cash Back Reward Card

Merrick Bank Double Your Line® Mastercard®
 

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on Merrick Bank's secure site

  • Credit Line Automatic account reviews for credit line increases.
  • FICO History Get your updated FICO® Score for free each month when it is provided to us from the credit bureau.
  • Pre-Qualification Find out in 60 seconds without harming your credit score.
  • Annual Fee $0 - $72
  • Credit Needed Good/Fair/Poor/Limited
  • Card Brand Mastercard®
  • Credit Line Automatic account reviews for credit line increases.
  • FICO History Get your updated FICO® Score for free each month when it is provided to us from the credit bureau.
  • Pre-Qualification Find out in 60 seconds without harming your credit score.
  • Annual Fee $0 - $72
  • Credit Needed Good/Fair/Poor/Limited
  • Card Brand Mastercard®

Highlights

  • Credit lines range from $550-$1,350 which double to $1,100-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Credit Card Offers for Fair Credit

If you have fair credit, or have had some credit history dings or other problems but are not yet in the bad credit category, then you should be able to apply for and get a credit card for fair credit. Those with bad credit generally have no choice but to apply for a secured or prepaid card, but in your case having average or fair credit qualifies you to be responsible for adhering to a credit limit and carrying a balance over from one month to the next if you decide to do that. That also means that you’ll have a great chance to improve your credit score and credit history – which will entitle you to even better rates, credit cards, and cardholder privileges.

It’s a good idea to shop for a good credit card with the most manageable fees and interest rates, because that will make it much easier for you to manage your budget and card payments. Cards with no annual fee, for example, are cheaper – and so are ones that have a lower APR. Use the info in the reviews in this section – and crunch the numbers using this site’s credit card calculators and other tools – to help you make a wise pick of the best credit cards for fair credit. FICO ranges for fair or average credit typically range from 620 to 680.

Try to use not more than 25-30% of your allowed limit each month, because that will look better on your credit report. Soon you may be offered a higher credit limit and as your credit score rises from fair to good it will be possible to shop for even more attractive and competitive interest rate card.

Disclaimer: FICO scores are used to represent the creditworthiness of a person and may be one indicator of the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.


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