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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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Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Bad/No

PURCHASES:

Intro APR on Purchases: n/a
Regular APR: 9.99% (Fixed)

BALANCE TRANSFERS:

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

FEES:

Annual Fee: $48
Application Processing Fee: None
Intro APR on Purchases: n/a
Regular APR: 9.99% (Fixed)
Intro APR on Balance Transfers: n/a
Regular APR: n/a
Balance Transfer Fee: n/a
Annual Fee: $48
Application Processing Fee: None

Applied Bank® Secured Visa® Gold Preferred® Credit Card Credit Recommended: Bad/No

Card details:

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 More
9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are LateActivate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
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First Access Visa® Solid Black Credit Card 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® Solid Black Credit Card 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 More
Easy and secure online application$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 applicationSelect your favorite card design from our gallery, for free!Online Customer Center available 24 x 7Issued by The Bank of Missouri
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Surge Mastercard® Credit Recommended: Fair/Bad

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 25.90% - 29.99%

BALANCE TRANSFERS:

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

FEES:

Annual Fee: $75 - $99
Application Processing Fee: See Terms*
Intro APR on Purchases: N/A
Regular APR: 25.90% - 29.99%
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $75 - $99
Application Processing Fee: See Terms*

Surge Mastercard® Credit Recommended: Fair/Bad

Card details:

All credit types welcome to apply!Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)Monthly reporting to the three major credit bureaus Show More
See if you’re Pre-Qualified without impacting your credit scoreFast and easy application process; results in secondsFree online account access 24/7Checking Account Required
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OpenSky® Secured Visa® Credit Card Credit Recommended: Bad / No

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 17.39% (variable)

BALANCE TRANSFERS:

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

FEES:

Annual Fee: $35
Application Processing Fee: See Terms
Intro APR on Purchases: N/A
Regular APR: 17.39% (variable)
Intro APR on Balance Transfers: N/A
Regular APR: N/A
Balance Transfer Fee: N/A
Annual Fee: $35
Application Processing Fee: See Terms

OpenSky® Secured Visa® Credit Card Credit Recommended: Bad / No

Card details:

No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.Build credit quickly. OpenSky reports to all 3 major credit bureaus. Show More
99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.*View our Cardholder Agreement located at the bottom of the application page for details of the card.
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Total Visa® Unsecured Credit 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® Unsecured Credit 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 payments$300 credit limit (subject to available credit)Reports monthly to all three major credit bureausSelect your favorite card design from our gallery, for free!
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Fit Mastercard® Credit 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: 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

Fit Mastercard® Credit Card Credit Recommended: Bad/Fair

Card details:

All credit types welcome to apply!Monthly reporting to the three major credit bureausInitial Credit Limit of $400.00!* (subject to available credit) Show More
Fast and easy application process; results in secondsUse your card at locations everywhere that Mastercard® is acceptedFree online account access 24/7Checking Account Required
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First Access American Pride Visa® Credit Card 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 American Pride Visa® Credit Card 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 More
Easy and secure online application$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 applicationSelect your favorite card design from our gallery, for free!Online Customer Center available 24 x 7Issued by The Bank of Missouri
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Click apply button to get redirected to the bank’s secure application page

All your personal information will be protected

Total Visa® Unsecured Credit 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® Unsecured Credit 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 payments$300 credit limit (subject to available credit)Reports monthly to all three major credit bureausSelect your favorite card design from our gallery, for free!
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Milestone® Mastercard® with Choice of Card Image at No Extra Charge Credit Recommended: Fair / Good

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 24.9%

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: 24.9%
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 Choice of Card Image at No Extra Charge Credit Recommended: Fair / Good

Card details:

Prequalify for a card today and it will not impact your credit scoreLess 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.
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Milestone Gold Mastercard® Credit Recommended: Fair / Good

PURCHASES:

Intro APR on Purchases: N/A
Regular APR: 24.9%

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: 24.9%
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:

Instant pre-qualification is available for those who qualifyLess than perfect credit is okayAccess 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.*Dependent on credit worthiness
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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.