Best Credit Cards for Fair Credit | CompareCards.com
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Credit Cards for Fair Credit

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Our pick for low-maintenance earning

Citi Custom Cash® Card
 

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on Citibank's secure site

Rates & Fees
  • Sign-Up Bonus Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
  • Rewards Rate Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • Intro APR 0% intro APR for 15 months on purchases and balance transfers, then 19.24% - 29.24% (Variable)
  • Annual Fee $0
  • Credit Needed Fair/Good/Excellent
  • Card Brand Mastercard®
  • Sign-Up Bonus Earn $200 in cash back after you spend $1500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® points, which can be redeemed for $200 cash back.
  • Rewards Rate Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • Intro APR 0% intro APR for 15 months on purchases and balance transfers, then 19.24% - 29.24% (Variable)
  • Annual Fee $0
  • Credit Needed Fair/Good/Excellent
  • Card Brand Mastercard®

Highlights

  • Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
  • 0% Intro APR on balance transfers and purchases for 15 months. After that, the variable APR will be 19.24% - 29.24%, based on your creditworthiness.
  • Earn 5% cash back on purchases in your top eligible spend category each billing cycle, up to the first $500 spent, 1% cash back thereafter. Also, earn unlimited 1% cash back on all other purchases.
  • No rotating bonus categories to sign up for – as your spending changes each billing cycle, your earn adjusts automatically when you spend in any of the eligible categories.
  • No Annual Fee
  • Citi will only issue one Citi Custom Cash® Card account per person.

See additional details for Citi Custom Cash® Card

Capital One Platinum Credit Card
 

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on Capital One's secure site

Rates & Fees
  • Credit Line Increase Be automatically considered for a higher credit line in as little as 6 months
  • Annual Fee $0
  • Regular Purchase APR 30.74% (Variable)
  • Annual Fee $0
  • Credit Needed Limited/Fair
  • Card Brand Mastercard®
  • Credit Line Increase Be automatically considered for a higher credit line in as little as 6 months
  • Annual Fee $0
  • Regular Purchase APR 30.74% (Variable)
  • Annual Fee $0
  • Credit Needed Limited/Fair
  • Card Brand Mastercard®

Highlights

  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • For Capital One products listed on this page, some of the benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply

See additional details for Capital One Platinum Credit Card

Milestone Mastercard®
 

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on Milestone Mastercard®'s secure site

  • Mastercard Benefits Accepted Worldwide and $0 Fraud Liability
  • Mobile Access Access your account online or from your mobile device 24/7
  • Build Credit Account history is reported to the three major credit bureaus in the U.S.
  • Annual Fee See terms
  • Credit Needed Fair/Good
  • Card Brand Mastercard®
  • Mastercard Benefits Accepted Worldwide and $0 Fraud Liability
  • Mobile Access Access your account online or from your mobile device 24/7
  • Build Credit Account history is reported to the three major credit bureaus in the U.S.
  • Annual Fee See terms
  • Credit Needed Fair/Good
  • Card Brand Mastercard®

Highlights

  • Greater access to credit than before - $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability for unauthorized use
  • Access your account online or from your mobile device 24/7

See additional details for Milestone Mastercard®

AvantCard Credit Card
 

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on Avant's secure site

  • Apply Online Fast and easy application process
  • No Hidden Fees No deposit required and no penalty APR
  • Regular APR 35.99%
  • Annual Fee $59
  • Credit Needed Limited/Poor/Fair
  • Card Brand Mastercard®
  • Apply Online Fast and easy application process
  • No Hidden Fees No deposit required and no penalty APR
  • Regular APR 35.99%
  • Annual Fee $59
  • Credit Needed Limited/Poor/Fair
  • Card Brand Mastercard®

Highlights

  • Fast and easy application process
  • No deposit required
  • No hidden fees
  • No penalty APR
  • Report to all three major credit bureaus
  • Zero fraud liability for unauthorized charges
  • Avant branded credit products are issued by WebBank, member FDIC
  • Disclosure: If you are charged interest, the charge will be no less than $1.00
  • Late Fee up to $39
  • Checking your eligibility does not affect your credit score

See additional details for AvantCard Credit Card

Destiny Mastercard®
 

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on Destiny Mastercard®'s secure site

  • No Security Deposit All the benefits of a Mastercard, without a security deposit
  • Easy Access 24/7 access to your account, even on mobile!
  • Build Credit Reports to all three major credit bureaus
  • Annual Fee See terms
  • Credit Needed Limited/Poor/Fair/Good
  • Card Brand Mastercard®
  • No Security Deposit All the benefits of a Mastercard, without a security deposit
  • Easy Access 24/7 access to your account, even on mobile!
  • Build Credit Reports to all three major credit bureaus
  • Annual Fee See terms
  • Credit Needed Limited/Poor/Fair/Good
  • Card Brand Mastercard®

Highlights

  • All the benefits of a Mastercard, without a security deposit
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus
  • Less than perfect credit is okay, even with a prior bankruptcy!

See additional details for Destiny Mastercard®

Blaze Mastercard® Credit Card
 

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on First Savings Bank's secure site

  • Get The Line You Deserve We automatically review your account for a Credit Line Increase after 6 months!
  • No Surprises No monthly maintenance fees, No set up fees, No security deposit!
  • Safe & Secure $0 fraud liability if your card is lost or stolen – our U.S. based Customer Care team is here for you.
  • Annual Fee $75
  • Credit Needed Fair
  • Card Brand Mastercard®
  • Get The Line You Deserve We automatically review your account for a Credit Line Increase after 6 months!
  • No Surprises No monthly maintenance fees, No set up fees, No security deposit!
  • Safe & Secure $0 fraud liability if your card is lost or stolen – our U.S. based Customer Care team is here for you.
  • Annual Fee $75
  • Credit Needed Fair
  • Card Brand Mastercard®

Highlights

  • Let's Grow Together!
  • Credit line up to $1,500 – *most receive $350; some higher
  • In as little as 6 months you may get a credit line increase by making on-time payments and keeping your account in good standing
  • Don’t worry if you don’t have perfect credit, let’s work to rebuild together!
  • Skip the mail and apply easily and securely online
  • 24/7 on-the-go account access with our free mobile app

See additional details for Blaze Mastercard® Credit Card

PREMIER Bankcard® Grey Credit Card
 

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on PREMIER Bankcard®'s secure site

  • Build Credit Start building credit by keeping your balance low and paying all your bills on time each month.
  • Fast Application Fill out an application and receive a response in 60 seconds!
  • Online Account Access A full-service website means PREMIER Bankcard® customers enjoy 24-hour access to easily manage personal account needs.
  • Annual Fee See Provider Website
  • Credit Needed Poor
  • Card Brand Mastercard®
  • Build Credit Start building credit by keeping your balance low and paying all your bills on time each month.
  • Fast Application Fill out an application and receive a response in 60 seconds!
  • Online Account Access A full-service website means PREMIER Bankcard® customers enjoy 24-hour access to easily manage personal account needs.
  • Annual Fee See Provider Website
  • Credit Needed Poor
  • Card Brand Mastercard®

Highlights

  • You don’t need good credit to apply.
  • We help people with bad credit, every day.
  • Just complete the short application and receive a response in 60 seconds.
  • You can build or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

See additional details for PREMIER Bankcard® Grey Credit Card

Surge® Platinum Mastercard®
 

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on Continental Finance's secure site

  • Build Credit Monthly reporting to the three major credit bureaus
  • Worldwide Use Use your card wherever Mastercard is accepted
  • Easy Application Process Fast and easy application process; results in seconds. All credit types welcome to apply
  • Annual Fee $75 - $125
  • Credit Needed Poor/Fair
  • Card Brand Mastercard®
  • Build Credit Monthly reporting to the three major credit bureaus
  • Worldwide Use Use your card wherever Mastercard is accepted
  • Easy Application Process Fast and easy application process; results in seconds. All credit types welcome to apply
  • Annual Fee $75 - $125
  • Credit Needed Poor/Fair
  • Card Brand Mastercard®

Highlights

  • 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!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Online account access 24/7
  • Checking Account Required

See additional details for Surge® Platinum Mastercard®

Discover it® Student Cash Back
 

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on Discover's secure site

Rates & Fees
  • Intro Purchase APR 0% Intro APR for 6 months on purchases
  • Rewards Rate Earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.
  • Ongoing APR 18.24% - 27.24% Variable APR
  • Annual Fee $0
  • Credit Needed Limited/Fair
  • Card Brand Discover
  • Intro Purchase APR 0% Intro APR for 6 months on purchases
  • Rewards Rate Earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.
  • Ongoing APR 18.24% - 27.24% Variable APR
  • Annual Fee $0
  • Credit Needed Limited/Fair
  • Card Brand Discover

Highlights

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases—automatically.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
  • Terms and conditions apply.

See additional details for Discover it® Student Cash Back

Fortiva® MasterCard® Credit Card
 

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on Fortiva's secure site

  • Security Deposit No security deposit
  • Rewards Rate Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
  • Credit Limit Up to $1000 Credit Limit
  • Annual Fee As low as $85
  • Credit Needed Fair
  • Card Brand Mastercard®
  • Security Deposit No security deposit
  • Rewards Rate Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
  • Credit Limit Up to $1000 Credit Limit
  • Annual Fee As low as $85
  • Credit Needed Fair
  • Card Brand Mastercard®

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Good anywhere Mastercard® is accepted
  • $0 fraud liability**
  • Free access to your VantageScore 4.0 credit score from TransUnion®†
  • *See Program Terms for important information about the cash back rewards program.
  • **Fraud liability subject to Mastercard® rules.
  • † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

See additional details for Fortiva® MasterCard® Credit Card

Revvi Card
 

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on Revvi's secure site

  • Rewards Rate 1% Cash Back
  • Monthly Fee None 1st year, $8.25 after
  • Activation Fee $95*
  • Annual Fee $75.00 1st year, $48.00 after*
  • Credit Needed Poor/Fair
  • Card Brand Visa®
  • Rewards Rate 1% Cash Back
  • Monthly Fee None 1st year, $8.25 after
  • Activation Fee $95*
  • Annual Fee $75.00 1st year, $48.00 after*
  • Credit Needed Poor/Fair
  • Card Brand Visa®

Highlights

  • Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
  • Perfect credit not required
  • $300 credit limit (subject to available credit)
  • Checking account required
  • Opportunity to request credit limit increase after twelve months, fee applies
  • *See Rates, Fees, Costs & Limitations for complete offer details
  • ^^See Revvi Rewards Programs Terms & Conditions for details

See additional details for Revvi Card

Credit One Bank® Platinum Visa®
 

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on Credit One Bank's secure site

Rates & Fees
  • Rewards Rate Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • Purchase APR 29.74% Variable
  • Grow Your Credit Line Automatic reviews for credit line increase opportunities
  • Annual Fee $39
  • Credit Needed Fair/Good
  • Card Brand Visa®
  • Rewards Rate Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • Purchase APR 29.74% Variable
  • Grow Your Credit Line Automatic reviews for credit line increase opportunities
  • Annual Fee $39
  • Credit Needed Fair/Good
  • Card Brand Visa®

Highlights

  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Free Online Credit Score and Credit Report summary, terms apply
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Show off your personality by selecting from a variety of card designs, a fee may apply

See additional details for Credit One Bank® Platinum Visa®

PREMIER Bankcard® Mastercard® Credit Card
 

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on PREMIER Bankcard®'s secure site

  • Award-winning US-Based Customer Service PREMIER's dedicated team of professionals are one phone call away and ready to help you
  • Credit Limit Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • Online Account Access A full-service website means PREMIER Bankcard® customers enjoy 24-hour access to easily manage personal account needs.
  • Annual Fee See Provider Website
  • Credit Needed Limited/Poor/Fair
  • Card Brand Mastercard®
  • Award-winning US-Based Customer Service PREMIER's dedicated team of professionals are one phone call away and ready to help you
  • Credit Limit Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • Online Account Access A full-service website means PREMIER Bankcard® customers enjoy 24-hour access to easily manage personal account needs.
  • Annual Fee See Provider Website
  • Credit Needed Limited/Poor/Fair
  • Card Brand Mastercard®

Highlights

  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.
FIT™ Platinum Mastercard®
 

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on Continental Finance's secure site

  • Credit Line Initial Credit Limit of $400.00* (Subject to available credit)
  • Easy Application Fast and easy application process; results in seconds. All credit types welcome to apply.
  • Build Credit 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.
  • Annual Fee $99
  • Credit Needed Poor/Fair
  • Card Brand Mastercard®
  • Credit Line Initial Credit Limit of $400.00* (Subject to available credit)
  • Easy Application Fast and easy application process; results in seconds. All credit types welcome to apply.
  • Build Credit 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.
  • Annual Fee $99
  • Credit Needed Poor/Fair
  • Card Brand Mastercard®

Highlights

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required

See additional details for FIT™ Platinum Mastercard®

Credit One Bank® Platinum X5 Visa®
 

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on Credit One Bank's secure site

Rates & Fees
  • Rewards Rate Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
  • Cash Back Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
  • Fraud Protection With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Annual Fee $95
  • Credit Needed Good
  • Card Brand Visa®
  • Rewards Rate Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
  • Cash Back Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
  • Fraud Protection With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Annual Fee $95
  • Credit Needed Good
  • Card Brand Visa®

Highlights

  • Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges     
  • Free Online Credit Score and Credit Report summary, terms apply
  • Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply 
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer

See additional details for Credit One Bank® Platinum X5 Visa®

Capital One QuicksilverOne Cash Rewards Credit Card
 

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on Capital One's secure site

Rates & Fees
  • Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • No Limits or Restrictions No rotating categories, cash back won't expire for the life of the account and no limit to how much you can earn
  • Regular Purchase APR 30.74% (Variable)
  • Annual Fee $39
  • Credit Needed Limited/Fair
  • Card Brand Mastercard®
  • Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
  • No Limits or Restrictions No rotating categories, cash back won't expire for the life of the account and no limit to how much you can earn
  • Regular Purchase APR 30.74% (Variable)
  • Annual Fee $39
  • Credit Needed Limited/Fair
  • Card Brand Mastercard®

Highlights

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • For Capital One products listed on this page, some of the above benefits are provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
Aspire® Cash Back Reward Card
 

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on Aspire's secure site

  • Rewards Rate Up to 3% Cashback Reward
  • Regular APR 29.99% or 36% Fixed
  • Credit Line Up to $1,000 credit limit subject to credit approval
  • Annual Fee As low as $85
  • Credit Needed Fair
  • Card Brand Mastercard®
  • Rewards Rate Up to 3% Cashback Reward
  • Regular APR 29.99% or 36% Fixed
  • Credit Line Up to $1,000 credit limit subject to credit approval
  • Annual Fee As low as $85
  • Credit Needed Fair
  • Card Brand Mastercard®

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • Prequalify** without affecting your credit score
  • No security deposit
  • Free access to your VantageScore 4.0 score from TransUnion®†
  • *See Program Terms for important information about the cash back rewards program.
  • ** Prequalify means that you authorize us to make a soft inquiry (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
  • † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

See additional details for Aspire® Cash Back Reward Card

Discover it® Student Chrome
 

Rated 4/5.0 stars by our editorial team

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on Discover's secure site

Rates & Fees
  • Intro Purchase APR 0% Intro APR for 6 months
  • Rewards Rate Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Ongoing APR 18.24% - 27.24% Variable APR
  • Annual Fee $0
  • Credit Needed Limited/Fair
  • Card Brand Discover
  • Intro Purchase APR 0% Intro APR for 6 months
  • Rewards Rate Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Ongoing APR 18.24% - 27.24% Variable APR
  • Annual Fee $0
  • Credit Needed Limited/Fair
  • Card Brand Discover

Highlights

  • INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
  • Redeem your rewards for cash at any time.
  • No credit score required to apply.
  • Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
  • No annual fee and build your credit with responsible use.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 18.24% - 27.24% applies.
  • Terms and conditions apply.

See additional details for Discover it® Student Chrome

Reflex® Platinum Mastercard®
 

Rated 2.5/5.0 stars by our editorial team

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on Continental Finance's secure site

  • Easy Application Fast and easy application process; results in seconds.
  • Build Credit 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.
  • Pre-Qualification See if you’re Pre-Qualified with no impact to your credit score.
  • Annual Fee $75 - $125
  • Credit Needed Limited/Poor/Fair
  • Card Brand Mastercard®
  • Easy Application Fast and easy application process; results in seconds.
  • Build Credit 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.
  • Pre-Qualification See if you’re Pre-Qualified with no impact to your credit score.
  • Annual Fee $75 - $125
  • Credit Needed Limited/Poor/Fair
  • Card Brand Mastercard®

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

See additional details for Reflex® Platinum Mastercard®

Upgrade Cash Rewards Visa®
 

Rated 3/5.0 stars by our editorial team

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  • Credit Line Up to $20,000*
  • Rewards Rate 1.5% unlimited cash back on card purchases every time you make a payment
  • Annual Fee $0
  • Annual Fee $0
  • Credit Needed Fair
  • Card Brand Visa®
  • Credit Line Up to $20,000*
  • Rewards Rate 1.5% unlimited cash back on card purchases every time you make a payment
  • Annual Fee $0
  • Annual Fee $0
  • Credit Needed Fair
  • Card Brand Visa®

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability
  • *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

See additional details for Upgrade Cash Rewards Visa®

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Credit Card Offers for Fair Credit

If you have fair credit, or have had some credit history dings or other problems but are not yet in the bad credit category, then you should be able to apply for and get a credit card for fair credit. Those with bad credit generally have no choice but to apply for a secured or prepaid card, but in your case having average or fair credit qualifies you to be responsible for adhering to a credit limit and carrying a balance over from one month to the next if you decide to do that. That also means that you’ll have a great chance to improve your credit score and credit history – which will entitle you to even better rates, credit cards, and cardholder privileges.

It’s a good idea to shop for a good credit card with the most manageable fees and interest rates, because that will make it much easier for you to manage your budget and card payments. Cards with no annual fee, for example, are cheaper – and so are ones that have a lower APR. Use the info in the reviews in this section – and crunch the numbers using this site’s credit card calculators and other tools – to help you make a wise pick of the best credit cards for fair credit. FICO ranges for fair or average credit typically range from 620 to 680.

Try to use not more than 25-30% of your allowed limit each month, because that will look better on your credit report. Soon you may be offered a higher credit limit and as your credit score rises from fair to good it will be possible to shop for even more attractive and competitive interest rate card.

Disclaimer: FICO scores are used to represent the creditworthiness of a person and may be one indicator of the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.


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