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Credit Cards for People with Fair Credit
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First Access Visa® Solid Black Credit Card Credit Recommended: Fair/Bad
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First Access Visa® Solid Black Credit Card Credit Recommended: Fair/Bad
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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 MoreClick apply button to get redirected to the bank’s secure application page
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Credit One Bank® Platinum Visa® with Cash Back Rewards Credit Recommended: Fair
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Credit One Bank® Platinum Visa® with Cash Back Rewards Credit Recommended: Fair
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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 MoreClick apply button to get redirected to the bank’s secure application page
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First Access American Pride Visa® Credit Card Credit Recommended: Fair/Bad
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First Access American Pride Visa® Credit Card Credit Recommended: Fair/Bad
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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 MoreClick apply button to get redirected to the bank’s secure application page
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Fit Mastercard® Credit Card Credit Recommended: Bad/Fair
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Fit Mastercard® Credit Card Credit Recommended: Bad/Fair
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All credit types welcome to apply!Monthly reporting to the three major credit bureausInitial Credit Limit of $400.00!* (subject to available credit) Show MoreClick apply button to get redirected to the bank’s secure application page
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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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Checking Account RequiredFast and easy application process; response provided in secondsA genuine VISA card accepted by merchants nationwide across the USA and online Show MoreClick apply button to get redirected to the bank’s secure application page
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Credit One Bank® Platinum Visa® Credit Recommended: Fair
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Credit One Bank® Platinum Visa® Credit Recommended: Fair
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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 MoreClick apply button to get redirected to the bank’s secure application page
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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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Checking Account RequiredFast and easy application process; response provided in secondsA genuine VISA card accepted by merchants nationwide across the USA and online Show MoreClick apply button to get redirected to the bank’s secure application page
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WebBank/Fingerhut Credit Account Credit Recommended: Bad
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WebBank/Fingerhut Credit Account Credit Recommended: Bad
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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 MoreClick apply button to get redirected to the bank’s secure application page
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NASCAR® Credit Card from Credit One Bank® Credit Recommended: Fair
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NASCAR® Credit Card from Credit One Bank® Credit Recommended: Fair
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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 Shop, terms applyNo need to fret—you’re covered by $0 Fraud Liability Show MoreClick apply button to get redirected to the bank’s secure application page
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Milestone® Mastercard® with Choice of Card Image at No Extra Charge Credit Recommended: Fair / Good
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Milestone® Mastercard® with Choice of Card Image at No Extra Charge Credit Recommended: Fair / Good
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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 MoreClick apply button to get redirected to the bank’s secure application page
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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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Checking Account RequiredFast and easy application process; response provided in secondsA genuine VISA card accepted by merchants nationwide across the USA and online 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.