- Credit Card Offers
- Credit Cards for Fair Credit
Credit Cards for People with Fair Credit
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Surge® Platinum Mastercard® Credit Recommended: See website for Details*
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Surge® Platinum Mastercard® Credit Recommended: See website for Details*
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Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)All credit types welcome to apply!Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements) Show MoreClick apply button to get redirected to the bank’s secure application page
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First Access Visa® Card Credit Recommended: Fair/Bad
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First Access Visa® Card Credit Recommended: Fair/Bad
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Reporting monthly to all three major credit reporting agenciesPerfect credit not required for approval; we may approve you when others won’tEasy and secure online application Show MoreClick apply button to get redirected to the bank’s secure application page
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Citrus Loans Credit Recommended: Any Credit
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Citrus Loans Credit Recommended: Any Credit
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OpenSky® Secured Visa® Credit Card Credit Recommended: Bad / No
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OpenSky® Secured Visa® Credit Card Credit Recommended: Bad / No
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No credit check to apply. Zero credit risk to apply!Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time paymentsWith an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit Show MoreClick apply button to get redirected to the bank’s secure application page
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Destiny Mastercard® Credit Recommended: Poor to Good
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Destiny Mastercard® Credit Recommended: Poor to Good
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Total Visa® Card Credit Recommended: Bad/Fair
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Total Visa® Card Credit Recommended: Bad/Fair
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Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion®!Checking Account RequiredFast and easy application process; response provided in seconds Show MoreClick apply button to get redirected to the bank’s secure application page
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RescueLoans.net Credit Recommended: Any Credit
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RescueLoans.net Credit Recommended: Any Credit
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FIT® Platinum Mastercard® Credit Recommended: Bad/Fair
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FIT® Platinum Mastercard® Credit Recommended: Bad/Fair
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$400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)All credit types welcome to applyMonthly reporting to the three major credit bureaus Show MoreClick apply button to get redirected to the bank’s secure application page
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First Access Visa® Card Credit Recommended: Fair/Bad
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First Access Visa® Card Credit Recommended: Fair/Bad
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Reporting monthly to all three major credit reporting agenciesPerfect credit not required for approval; we may approve you when others won’tEasy and secure online application Show MoreClick apply button to get redirected to the bank’s secure application page
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Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Poor/Fair/Limited/Damaged
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Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Poor/Fair/Limited/Damaged
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Better than Prepaid…Go with a Secured Card! Load One Time - Keep On UsingAbsolutely No Credit Check or Minimum Credit Score RequiredAutomatic Reporting to All Three National Credit Bureaus Show MoreClick apply button to get redirected to the bank’s secure application page
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Milestone® Mastercard® Credit Recommended: Fair / Good
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Milestone® Mastercard® Credit Recommended: Fair / Good
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Greater access to credit than before - $700 credit limitGet a Mastercard accepted online, in store and in appAccount history is reported to the three major credit bureaus in the U.S. Show MoreKeep 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:
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.
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.
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.
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.