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- Credit Cards for Fair Credit
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.
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First Access Visa Credit Recommended: Fair/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:
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*
First Access Visa Credit Recommended: Fair/Bad
Card details:
Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and onlineReporting monthly to all three major credit reporting agenciesPerfect credit not required for approval; we may approve you when others won’t Show MoreYou may be eligible for a Credit Line Increase after six monthsEasy and secure online applicationIf approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)Receive your card more quickly with optional Expedited Processing (additional fee applies)Get a result in as little as 60 seconds upon completion of the online applicationOnline Customer Center available 24 x 7The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
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WebBank/Gettington Credit Account Credit Recommended: Fair / Good
PURCHASES:
Intro APR on Purchases:
n/a
Regular APR:
29.99% (non-variable)
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:
29.99% (non-variable)
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/Gettington Credit Account Credit Recommended: Fair / Good
Card details:
Gettington Credit Account (issued by WebBank)Gettington offers thousands of name brand products and convenient credit.Gettington Credit Account features a low APR, no annual fees**, no hidden fees** and the ability to pay your way: Show MoreFAST Option: Use this when you want to pay off purchases faster. Make 4 Monthly Payments and you´ll be paid in full.EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less - much faster than a typical credit card payback!New customer offer. Free shipping on your first order of $49 with an approved Gettington Credit Account** Enter Code: GTN918
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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 MoreCard 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
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Credit One Bank® Platinum Visa® with Cash Back Rewards Credit Recommended: Fair
PURCHASES:
Intro APR on Purchases:
N/A
Regular APR:
19.74% - 25.74% 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:
19.74% - 25.74% 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® with Cash Back Rewards Credit Recommended: Fair
Card details:
Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms applyCreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won´t be held responsible for unauthorized charges. Show MoreUse your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.
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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 MoreManageable 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!
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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 MoreApply 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!"
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Best Credit Cards from Credit-Land.com Credit Recommended: Fair
Intro APR on Purchases:
n/a
Regular APR:
See Site
Best Credit Cards from Credit-Land.com Credit Recommended: Fair
Card details:
Fair Credit History? Apply or pre-qualify for a credit card today!Earn great rewards or simply build your credit with responsible card use!Monthly reporting to major consumer reporting agencies and 24/7 access to your account.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 MoreChoice of card image at no extra chargeAccount history is reported to the three major credit bureaus in the U.S.*Dependent on credit worthiness
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Credit One Bank® Platinum Visa® Credit Recommended: Fair
PURCHASES:
Intro APR on Purchases:
N/A
Regular APR:
19.74% - 25.74% 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:
19.74% - 25.74% 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:
Enjoy peace of mind with $0 Fraud LiabilityQualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms applyView updates to your Experian credit score with free online access, terms apply Show MoreMake paying your bill easier with the ability to choose your payment due date, terms applyAccess your account on-the-go with the Credit One Bank mobile appNever miss an account update with customizable text and email alertsShow off your personality by selecting from a variety of card designs, a fee may apply
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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 MoreManageable 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!
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NASCAR® Credit Card from Credit One Bank® Credit Recommended: Fair
PURCHASES:
Intro APR on Purchases:
N/A
Regular APR:
19.74% - 25.74% 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:
19.74% - 25.74% 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:
See if you Pre-Qualify without harming your credit scoreGet 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore, terms applyNo need to fret—you’re covered by $0 Fraud Liability Show MoreAccounts are automatically reviewed for credit line increase opportunitiesChoose your monthly payment due date for added convenience, terms applyMonitor your credit with free online access to your Experian credit score, terms applyLooking to rebuild credit? We report to the major credit bureaus monthlyNever miss an account update with customizable text and email alerts
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.
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.
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