Fair Credit

Cards for Fair Credit

Cards in the fair credit category range from unsecured cards (some of which may be fee-based) to prepaid cards. The typical credit scores that generally qualify for one of these cards is between 580 and 660.** Consumers that qualify and have fair credit may see lower APRs than those in the poor credit category and could have a variety of intro offers or rewards programs to choose from.

Capital One® Platinum Credit Card

  • Start with a $0 intro annual fee for the first year; $19 after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 24.9% (Variable) $0 intro for first year; $19 after that Yes Average/Fair/Limited

Total Visa® Credit Card

  • Fast and easy application process; response provided in seconds
  • A genuine VISA Credit Card
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 29.99% $75.00 for the first year, $48 annually after that N/A Fair/Poor

Credit One Bank® Credit Card with Gas Rewards

  • Unlimited 1% cash back gas rewards
  • Rewards post to your account automatically each month
  • Get Pre-Qualified without affecting your credit score
  • Automatic reviews for credit line increase opportunities
  • Zero fraud liability protects you from unauthorized charges
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 17.90%-23.90% (Variable)* $35 - $99* N/A* Fair

*See Card Terms & Conditions for Details

Milestone Gold MasterCard®

  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • Free online account access
  • Zero Liability – you’ll never be held liable for unauthorized charges made to your card
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 23.9% $35 - $99* N/A Fair/Good

*Dependent on credit worthiness

Capital One® Classic Platinum Credit Card

  • Get the credit you need with a competitive rate
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 20.9% (Variable) $39 Yes Average/Fair/Limited

Capital One® QuicksilverOne® Cash Rewards Credit Card

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No 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 earn
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until February 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until February 2016
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0% intro on purchases and balance transfers until February 2016 22.9% (Variable) $39 Yes Average/Fair/Limited

First PREMIER® Bank Classic Credit Card

  • Have a checking account? Apply today!
  • Don't be fooled by debit and prepaid offers - this is a real credit card offer
  • Reports your credit history to the major Consumer Reporting Agencies
  • Is there a credit card in your wallet? Apply now!
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A See website* See website* N/A Fair/Poor

Credit One Bank® Credit Card – Online Monthly Credit Score Tracking Included

  • Free online monthly credit score tracking included
  • Automatic reviews for credit line increase opportunities
  • Pre-Qualifying for our card is easy, fast and won't affect your credit score
  • Pick your payment due date to fit your schedule
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 17.90%-23.90% (Variable)* $35 - $99* N/A* Fair

*See Card Terms & Conditions for Details

First Access Visa® Card

  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Checking account required
  • Issued by Mid America Bank & Trust Company, founded 1920, Member: FDIC

Get the security and convenience of a full-feature, unsecured VISA® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.

Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 29.99% $75.00 for first year, after that, $48.00 annually N/A Fair/Poor

Capital One® Card Finder Tool

  • Find card offers you may be eligible for without affecting your credit score
  • Get matched to features you want like low intro rates, cash back or miles, and more
  • See your card matches in less than 60 seconds
  • Find a card for where you are to help you prepare for what’s ahead
  • All Capital One cards come with fraud coverage if your card is lost or stolen
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone
  • Pick the monthly payment due date that works best for you
  • Pay the way you want - by check, online, or at a local branch
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
See Terms See Terms Various Rates See Terms See Terms N/A

MyCreditCardMatch

  • Let us match you with a card offer
  • No-hassle card offer search
  • Free and easy card offer search

Looking for a card offer that matches your needs? Use our free and easy service to find your card offer match!

Start your card offer search here! Use our free and easy search and compare service to find a card offer that meets your needs. No matter what your credit history is, we’ll look for the card offer that matches your needs.

Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
See website for Details* See website for Details* See website for Details* See website for Details* See website for Details* Any credit welcome

Credit One Bank® Platinum Card

  • Get Pre-Qualified for a Platinum Visa credit card
  • Choose your card design from our premium gallery
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Email or text alerts to remind you when your payment is due
  • Zero fraud liability protects you from unauthorized charges
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 17.90%-23.90% (Variable)* $35 - $99* N/A* Fair

*See Card Terms & Conditions for Details

Credit One Bank® - Earn More Credit Fast

  • Automatic reviews for credit line increase opportunities
  • Keep an eye on your progress with free online monthly credit score tracking
  • Get Pre-Qualified for a Platinum Visa credit card
  • Earn 1% cash back on gas purchases and get more value with every gallon
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 17.90%-23.90% (Variable)* $35 - $99* N/A* Fair

*See Card Terms & Conditions for Details

Credit One Bank® - Earn More Credit Fast

  • Automatic reviews for credit line increase opportunities
  • Keep an eye on your progress with free online monthly credit score tracking
  • Get Pre-Qualified for a Platinum Visa credit card
  • Earn 1% cash back on gas purchases and get more value with every gallon
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 17.90%-23.90% (Variable)* $35 - $99* N/A* Fair

*See Card Terms & Conditions for Details

Barclaycard® Rewards MasterCard®

  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 24.99%* Variable $0 Yes Fair

*See Card Terms

Journey® Student Rewards from Capital One®

  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back
  • There’s no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 19.8% (Variable) $0 Yes Average/Fair/Limited

Credit One Bank® Credit Card – Online Monthly Credit Score Tracking Included

  • Free online monthly credit score tracking included
  • Automatic reviews for credit line increase opportunities
  • Pre-Qualifying for our card is easy, fast and won't affect your credit score
  • Pick your payment due date to fit your schedule
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 17.90%-23.90% (Variable)* $35 - $99* N/A* Fair

*See Card Terms & Conditions for Details

Discover it® for Students

  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0% on Purchases; 10.99% on Balance Transfers 6 months on Purchases and Balance Transfers 12.99%- 21.99% Variable* $0 Yes Fair

Capital One® Spark® Classic for Business

  • Enjoy no annual fee
  • Earn 1% cash back on every purchase, every day
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost, and experienced small business customer service
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 22.9% (Variable) $0 Yes Average/Fair/Limited

Discover it® Chrome for Students

  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed.* 1% cash back on all your other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99%.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0% on Purchases; 10.99% on Balance Transfers 6 months on Purchases and Balance Transfers 12.99% - 21.99% Variable* $0 Yes Fair

Discover it® for Students with $20 Cash Back

  • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 5% cash back in categories that change each quarter up to the quarterly maximum when you sign up.* Plus, 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
10.99% on Balance Transfers 6 months on Balance Transfers 12.99% - 21.99% Variable* $0 Yes Fair

PlayStation® Card from Capital One®

  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony purchases at Sony Store and store.sony.com
  • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until February 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0% intro on purchases until February 2016 13.9% - 24.9% (Variable) $0 Yes Good

Discover it® Chrome for Students with $20 Cash Back

  • Experience our cash rewards with $20 cash back after you make your first purchase within 3 months of approval.*
  • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on your first late payment. And paying late won't increase your APR.*
  • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter - no sign-ups needed.* 1% cash back on all other purchases.
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • Call for 100% U.S.-based customer service day or night. Or get text alerts when your payment is due. And free mobile app helps you stay on top of your account.
  • New Freeze ItSM on/off switch lets you prevent new purchases, cash advances and balance transfers. Freeze or unfreeze your account in seconds via our website or mobile app.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking “Apply.”
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
10.99% on Balance Transfers 6 months on Balance Transfers 12.99% - 21.99% Variable* $0 Yes Fair

USAA Classic Platinum Visa®

  • Best for members with average credit.
  • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
  • We'll periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
  • Use your card to make purchases worldwide. (Cash advances and balance transfers are not available.)
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 17.90% to 23.90%* $35* No* Average*

USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.

Sony Card from Capital One®

  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 5 points per $1 at Sony Store and store.sony.com
  • 3 points per $1 on dining out and movie purchases
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until February 2016, after that a variable 13.9% - 24.9% applies
  • No annual fee
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0% intro on purchases until February 2016 13.9% - 24.9% (Variable) $0 Yes Excellent

USAA Classic American Express®

  • Best for members with average credit.
  • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
  • We'll periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
  • Use your card to make purchases worldwide. (Cash advances and balance transfers are not available.)
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 17.90% to 23.90%* $35* No* Average*

USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.

USAA Classic Platinum MasterCard®

  • Best for members with average credit.
  • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
  • We'll periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
  • Use your card to make purchases worldwide. (Cash advances and balance transfers are not available.)
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 17.90% to 23.90%* $35* No* Average*

USAA Bank products are only available to military members, veterans who have received an Honorable discharge, and their eligible family members.

Fingerhut Credit Account

Fingerhut Credit Account (issued by WebBank)

  • Apply Today, Buy Today
  • Low monthly payments
  • Trusted brand names
  • No annual fees
  • No overlimit fees

You can build and grow your credit with Fingerhut by making all of your payments on time, every time. Paying off your balance early or paying more than the minimum monthly payments can result in accelerating that process.

Credit Line Regular APR Monthly Fee Credit Needed
See website for Details* See website for Details* None Poor/Fair/Good

*See online credit card application for details on the terms and conditions.

**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 credit card product.




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