Advertising Disclosure

Credit Cards for People with Fair Credit

There are cards designed for people who have had some issues with their credit history. These cards for people with fair credit are an ideal way to start rebuilding your credit rating by making on-time payments and maintaining your account balances below their credit limits. Some of these cards offer rewards and others may have different perks and benefits. Some of these cards have no annual fee and others do not require a credit check. If you are looking to raise your credit rating, these cards are a great way to get started.
Sort by:
🔍

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Credit One Bank® Platinum Credit Card with Rewards Credit Recommended: Fair

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 16.99% - 24.99% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $0 - $99
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 16.99% - 24.99% Variable
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $0 - $99
Application Processing Fee: See terms

Credit One Bank® Platinum Credit Card with Rewards Credit Recommended: Fair

Card details:

Find out if you Pre-Qualify without affecting your credit scoreThis unsecured card provides opportunities to raise your credit scoreReceive opportunities for credit line increases, a fee may apply Show More
Monitor your credit with free online access to your credit score1% cash back on eligible purchases, terms applyZero fraud liability protects you from unauthorized chargesEmail or text alerts to remind you when your payment is due
Hide

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Milestone® Mastercard® with Free Choice of Card Image Credit Recommended: Fair / Good

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 23.9%

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $35 - $99*
Application Processing Fee: See Terms*
Intro APR on Purchases: N/A
Regular APR: 23.9%
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $35 - $99*
Application Processing Fee: See Terms*

Milestone® Mastercard® with Free Choice of Card Image Credit Recommended: Fair / Good

Card details:

Applying is quick and easy with our fast decision processLess than perfect credit is okay24/7 access to your account information, even on mobile Show More
Card designs to fit your personality at no extra chargeAccount history is reported to the three major credit bureaus in the U.S.*Dependent on credit worthiness
Hide

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

WebBank/Fingerhut Credit Account Credit Recommended: Bad

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: See Terms

BALANCE TRANSFERS:

Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See Terms

FEES:

Annual Fee: $0
Application Processing Fee: See Terms
Intro APR on Purchases: n/a
Regular APR: See Terms
Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See Terms
Annual Fee: $0
Application Processing Fee: See Terms

WebBank/Fingerhut Credit Account Credit Recommended: Bad

Card details:

No Annual Fee. See WebBank/Fingerhut Credit Account Terms.No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.Instant Response (Delays may occur depending on application data provided). Show More
Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.Choose From Over 450,000 items.Shop Great Brands at Fingerhut.com.Get the Credit You Deserve.We just love saying "YES!"
Hide

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Credit One Bank® Platinum Visa® for Building Credit Credit Recommended: Fair

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 16.99% - 24.99% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $0 - $99
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 16.99% - 24.99% Variable
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $0 - $99
Application Processing Fee: See terms

Credit One Bank® Platinum Visa® for Building Credit Credit Recommended: Fair

Card details:

See if you Pre-Qualify without harming your credit score.This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Credit One Bank® Platinum Visa® Credit Recommended: Fair

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 16.99% - 24.99% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $0 - $99
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 16.99% - 24.99% Variable
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $0 - $99
Application Processing Fee: See terms

Credit One Bank® Platinum Visa® Credit Recommended: Fair

Card details:

Receive 1% cash back on eligible purchases, terms applyMake paying your bill easier with the ability to choose your payment date. Terms apply.See if you Pre-Qualify without harming your credit score Show More
Zero fraud liability protects you from unauthorized chargesMonitor your credit with free online access to your credit scoreShow off your style with a premium card design, a fee may applyReceive opportunities for credit line increases, a fee may applyEmail or text alerts to remind you when your payment is due
Hide

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Milestone Gold Mastercard® Credit Recommended: Fair / Good

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 23.9%

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $35 - $99*
Application Processing Fee: See Terms*
Intro APR on Purchases: N/A
Regular APR: 23.9%
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $35 - $99*
Application Processing Fee: See Terms*

Milestone Gold Mastercard® Credit Recommended: Fair / Good

Card details:

Our application is quick and easy with instant pre-qualification availableAll credit histories consideredAccess your account online or from your mobile device 24/7 Show More
Choice of card image at no extra chargeAccount history is reported to the three major credit bureaus in the U.S.
Hide

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Best Credit Cards from Credit-Land.com Credit Recommended: Fair

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: See Site

BALANCE TRANSFERS:

Intro APR on Balance Transfers: n/a
Regular APR: See Site
Balance Transfer Fee: See Site

FEES:

Annual Fee: See Site
Application Processing Fee: See Site
Intro APR on Purchases: n/a
Regular APR: See Site
Intro APR on Balance Transfers: n/a
Regular APR: See Site
Balance Transfer Fee: See Site
Annual Fee: See Site
Application Processing Fee: See Site

Best Credit Cards from Credit-Land.com Credit Recommended: Fair

Card details:

Fair Credit History? Apply for a Credit Card Today.Earn Great Rewards for Fair Credit!Monthly Reporting to major Consumer Reporting Agencies.

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Credit One Bank® Unsecured Visa® Credit Card Credit Recommended: Fair

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 16.99% - 24.99% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $0 - $99
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 16.99% - 24.99% Variable
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $0 - $99
Application Processing Fee: See terms

Credit One Bank® Unsecured Visa® Credit Card Credit Recommended: Fair

Card details:

Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date. You´ll also receive free online access to your credit score and credit report summary from Experian.See if you´re Pre-Qualified in less than 60 seconds.This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account. Show More
Automatically get 1% cash back on eligible purchases, terms apply.Choose your monthly payment due date for added convenience, terms apply.
Hide

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Total Visa Card Credit Recommended: Bad/Fair

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: See Terms*

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: See Terms*
Application Processing Fee: See Terms*
Intro APR on Purchases: N/A
Regular APR: See Terms*
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: See Terms*
Application Processing Fee: See Terms*

Total Visa Card Credit Recommended: Bad/Fair

Card details:

Checking Account RequiredFast and easy application process; response provided in secondsA genuine VISA card accepted by merchants nationwide across the USA and online Show More
Manageable monthly paymentsIf approved, simply pay a Processing Fee to open your account and access your available creditReports monthly to all three major credit bureausSelect your favorite card design from our gallery, for free! No-Fee credit line increase opportunities!
Hide

Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

NASCAR® Credit Card from Credit One Bank® Credit Recommended: Fair

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 17.40% - 24.90% Variable

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A

FEES:

Annual Fee: $0 - $99
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 17.40% - 24.90% Variable
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $0 - $99
Application Processing Fee: See terms

NASCAR® Credit Card from Credit One Bank® Credit Recommended: Fair

Card details:

1% cash back on eligible purchases, terms applyDouble cash back at the NASCAR.com SuperstoreAccess to exclusive offers and discounts from NASCAR partners Show More
Zero Fraud Liability ensures that your account is protected against unauthorized chargesStay in-the-know with customizable account alerts via email and textMonitor your credit with free online access to your credit score
Hide

Keep Your Credit Moving On The Right Path With Credit Cards For Fair Credit

Those with fair credit have had problems in the past and have suffered some damage on their credit report. However, all is not lost and bouncing back from bad credit is possible, provided that you use fair credit credit cards as a helping hand to prove yourself credit worthy once again.

With such cards, you will probably be charged some annual and maintenance fees. The best thing for you to do when researching credit cards is to determine which credit card suits your needs more in regard to credit limit, fees, and interest rates.

Paying off the entire balance on a monthly basis will help you avoid interest charges and actually help you save money in the long run. At the same time, you will be gaining good payment history which will positively affect your credit score. Fair credit credit cards can only do that much to better your credit score; you should work to take care of any other instances of bad credit on your credit report at the same time.

Not sure which card to choose?

Ask your question to our experts: explain your financial situation and you'll get personal financial consultation by email.

Frequently Asked Questions:

What is fair credit? What credit score is considered fair credit?

Most credit card issuers use FICO scoring system to make an approval decision. According to the FICO credit score range, fair credit falls between 640 and 699. If your credit score falls within this range or close to this range, then your credit can be considered fair. Some credit card issuers have their own criteria to determine an applicant’s credit but as a rule the FICO score is used in most cases.

Is there instant credit card approval for fair credit?

As a rule instant approval credit cards are offered to people with poor credit but if your credit is fair or better you can get an instant response as well. Many credit card issuers are able to respond to a credit card application right away after submission. If the credit card approval requires additional information or manual approval, then the approval process can take from two days to two weeks.

How to improve credit fast?

Credit score is not something you can improve fast. It requires hard work and time. However, there are ways to improve credit faster and one of them is getting a credit card that reports credit activity to major credit bureaus every month. Some credit card issuers offer credit cards with credit score trackers. Getting such card will help you save time on checking credit reports. Credit trackers will allow you to see whether you are doing right or you need to change something. Once you have a credit card, try to manage it responsibly: make all due monthly payments on time and stay within credit limits. Gaining some positive payment records will help you improve your credit.

What are the best rewards credit cards for fair credit?

There are a lot of credit cards with different credit card programs and which one is the best for you depends on your preferences. First of all, think where you shop most often or what purchases you are going to charge to your new card. Then think what types of rewards you want to earn. Do you feel comfortable with earning cash back or bonus points? There are credit cards with fixed rewards and with rewards that change depending on shopping category. Sometimes you will need to sign up in rotating categories to earn more rewards. So take this into consideration as well when you choose a credit card with rewards.