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

Capital One® Platinum Credit Card Credit Recommended: Average, Fair, Limited

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 24.99% (Variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 24.99% (Variable)
Balance Transfer Fee: $0

FEES:

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

Capital One® Platinum Credit Card Credit Recommended: Average, Fair, Limited

Card details:

Pay no annual feeGet access to a higher credit line after making your first 5 monthly payments on timeFraud coverage if your card is lost or stolen Show More
Use online banking to access your account, even from your smartphone, with our mobile appPay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for youGet access to your account 24 hours a day, 7 days a weekHelp strengthen your credit for the future with responsible card use
Hide

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

All your personal information will be protected

Surge MasterCard® 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: N/A
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: N/A

Surge MasterCard® Credit Recommended: Fair/Bad

Card details:

All credit types welcome to apply!Monthly reporting to the three major credit bureaus.Initial Credit Limit of $500.00!* (subject to available credit). Show More
Fast and easy application process; results in seconds.Use your card at locations everywhere that MasterCard® is accepted.Free online account access 24/7.Checking Account Required.
Hide

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

All your personal information will be protected

Capital One® QuicksilverOne® Cash Rewards Credit Card Credit Recommended: Average, Fair, Limited

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 24.99% (Variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 24.99% (Variable)
Balance Transfer Fee: $0

FEES:

Annual Fee: $39
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 24.99% (Variable)
Intro APR on Balance Transfers: N/A
Regular APR: 24.99% (Variable)
Balance Transfer Fee: $0
Annual Fee: $39
Application Processing Fee: See terms

Capital One® QuicksilverOne® Cash Rewards Credit Card Credit Recommended: Average, Fair, Limited

Card details:

Earn unlimited 1.5% cash back on every purchase, every dayNo rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earnGet access to a higher credit line after making your first 5 monthly payments on time Show More
Fraud coverage if your card is ever lost or stolenUse online banking to access your account, even from your smartphone, with our mobile appHelp strengthen your credit for the future with responsible card use
Hide

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

All your personal information will be protected

Fingerhut Credit Account Credit Recommended: Bad

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: 25.15%

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: 25.15%
Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: See Terms
Annual Fee: $0
Application Processing Fee: See Terms

Fingerhut Credit Account Credit Recommended: Bad

Card details:

No Annual Fee*.No Over Limit Fee*.Instant Response (Delays may occur depending on application data provided). Show More
Apply for Fingerhut Credit today*. Fill out our easy online application.Low Monthly Payments*.Choose From Over 500,000 items.Shop Great Brands at Fingerhut.com.Budget Friendly Payments* with Fingerhut Credit!Get the Credit You Deserve*.We just love saying "YES!"*SEE Fingerhut.com Site for Terms & Conditions.
Hide

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

All your personal information will be protected

Matrix MasterCard® Credit Recommended: Bad/No

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: N/A
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: N/A

Matrix MasterCard® Credit Recommended: Bad/No

Card details:

All credit types welcome to apply!Initial Credit Limit of $500.00!* (subject to available credit).Fast and easy application process; results are provided online! Show More
Monthly reporting to the 3 major credit bureaus.Use your card at locations everywhere that MasterCard® is accepted.Free online account access 24/7.Checking Account Required.
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 Credit Card with Rewards Credit Recommended: Fair

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 15.90% - 24.40% 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: 15.90% - 24.40% 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

Journey® Student Rewards from Capital One® Credit Recommended: Average, Fair, Limited

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 20.49% (Variable)

BALANCE TRANSFERS:

Intro APR on Balance Transfers: N/A
Regular APR: 20.49% (Variable)
Balance Transfer Fee: $0

FEES:

Annual Fee: $0
Application Processing Fee: See terms
Intro APR on Purchases: N/A
Regular APR: 20.49% (Variable)
Intro APR on Balance Transfers: N/A
Regular APR: 20.49% (Variable)
Balance Transfer Fee: $0
Annual Fee: $0
Application Processing Fee: See terms

Journey® Student Rewards from Capital One® Credit Recommended: Average, Fair, Limited

Card details:

Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that monthThere’s no limit to the amount of cash back you can earn, and rewards don't expireGet access to a higher credit line after making your first 5 monthly payments on time Show More
Pay no annual or foreign transaction feesFraud coverage if your card is lost or stolenPick the monthly due date that works best for you
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.