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Credit Cards for Fair Credit

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Indigo® Platinum Mastercard®

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.1/5.0 from 36 Offer Ratings
Over the Past 60 Days!

(36) Over the Past 60 Days!
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on Genesis FS Card Services's secure site

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  • Easy Pre-qualification Quick pre-qualification available with no impact to your credit score*
  • Custom Card Design Pick from multiple card designs at no extra charge*
  • Reports to Credit Bureaus Pre-qualify today without an impact on your credit score*
  • Annual Fee $0 - $99
  • Credit Needed Good/Fair
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Easy pre-qualification process with fast response
  • Don't have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.

See additional details for Indigo® Platinum Mastercard®

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Credit One Bank® Platinum Visa® with Cash Back Rewards

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 21 Offer Ratings
Over the Past 60 Days!

(21) Over the Past 60 Days!
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on Credit One Bank's secure site

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  • Regular Purchase APR 17.99% to 23.99% Variable
  • Rewards Rate Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  • Fraud Protection 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.
  • Annual Fee $0 - $99
  • Credit Needed Fair
  • Card Brand Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  • CreditOneBank.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.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
  • Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.
  • See additional Credit One Bank® Platinum Visa® with Cash Back Rewards details

See additional details for Credit One Bank® Platinum Visa® with Cash Back Rewards

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Milestone® Gold Mastercard®

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.2/5.0 from 9 Offer Ratings
Over the Past 60 Days!

(9) Over the Past 60 Days!
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on Genesis FS Card Services's secure site

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  • Mastercard Gold Benefits Accepted Worldwide and $0 Fraud Liability
  • Customize Your card Pick from multiple card designs at no extra charge
  • Regular Purchase APR 24.9% variable
  • Annual Fee $35-$99, depending on creditworthiness*
  • Credit Needed Good/Fair
  • Card Brand Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Instant pre-qualification is available for those who qualify
  • Less than perfect credit is okay
  • Access your account online or from your mobile device 24/7
  • Choice of card image at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.

See additional details for Milestone® Gold Mastercard®

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*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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