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

  • Pay no annual fee
  • 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
  • Help strengthen your credit for the future with responsible card use
  • 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 24.99% (Variable) $0 Yes Average, Fair, Limited

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® 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 Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until November 2016; 23.24% variable APR after that
  • 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
  • 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 November 2016 23.24% (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

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

Credit One Bank® Card with 1% Cash Back

  • 1% cash back on select purchases, terms apply
  • Choose your card design from our premium gallery, a fee may apply
  • Email or text alerts to remind you when your payment is due
  • Pick your payment due date to fit your schedule
  • Zero fraud liability protects you from unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 15.65% - 24.15% Variable $0 - $99 N/A Fair

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

Barclaycard Rewards MasterCard®

  • 2X points on purchases for gas, groceries and utilities
  • 1X points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing
  • No limits on the number of points you can earn or redeem
  • Starting at 1,000 points for $10, points can be redeemed for statement credits and gift cards
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • $0 Fraud Liability on unauthorized charges
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
n/a n/a 25.24%* Variable $0 Yes Fair

*See Card Terms

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® Visa® - No Deposit Required

  • Automatic reviews for credit line increase opportunities
  • Get Pre-Qualified without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • 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 15.65% - 24.15% Variable $0 - $99 N/A Fair

Journey® Student Rewards from Capital One®

  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • 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
  • 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 20.24% (Variable) $0 Yes Average, Fair, Limited

Credit One® Platinum Visa® with 1% Cash Back on Select Purchases

  • Earn 1% cash back on select purchases. Rewards post automatically to your account each month. Terms apply.
  • Get Pre-Qualified without harming your credit score. In less than 60 seconds, find the card that's right for you.
  • Our Platinum Visa protects you with $0 fraud liability if your card is ever lost or stolen. Rest easy knowing you won’t be responsible for unauthorized charges.
  • Set up custom email or text alerts, so you’ll always be aware of your payment due date, when your payment posts, or if your available balance runs low.
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 15.65% - 24.15% Variable $0 - $99 N/A 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 23.24% (Variable) $0 Yes Average, Fair, Limited

Credit One® Credit Card with Bonus Features

  • All the bonus features you want in a credit card are included. Get 1% cash back on select purchases (terms apply). Track your progress over time with free online monthly credit score tracking. And, receive credit line increase opportunities.
  • 24/7 fraud monitoring on every purchase for you protection. Rest easy knowing you won't be responsible for unauthorized charges.
  • Get Pre-Qualified without harming your credit score. In less than 60 seconds, find the card that's right for you.
  • Set up custom email or text alerts, so you’ll always be aware of your payment due date, when your payment posts, or if your available balance runs low.
  • Choose your card design from our premium gallery, a fee may apply.
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 15.65% - 24.15% Variable $0 - $99 N/A Fair

Credit One Bank® Card with 1% Cash Back on Gas & Groceries

  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. There are no out-of-pocket costs or need to tie up cash in deposits to open your account.
  • Focused on growing or rebuilding your credit? We report monthly to all three major credit bureaus. Take advantage of free online access to your credit score and credit report summary.
  • Find out if you're Pre-Qualified without harming your credit score. It's fast, easy, and secure.
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A 15.65% - 24.15% Variable $0 - $99 N/A 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 authorized retailers, with purchase confirmation
  • 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 December 2016, 14.24% - 24.99% variable APR after that
  • No annual fee
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0% intro on purchases until December 2016 14.24% - 24.99% (Variable) $0 Yes Good

Surge MasterCard® Credit Card

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that MasterCard® is accepted
  • Free online account access 24/7
  • Checking Account Required
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A N/A See Terms See Terms See Terms Fair/Poor

Total Visa® Credit Card

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • 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

Sony® Card from Capital One®

  • Earn 5,000 bonus points after first purchase in your first 90 days
  • 5 points per $1 spent on Sony® purchases at authorized retailers, with purchase confirmation
  • 3 points per $1 spent on movie theaters, movie rentals, music downloads, and digital streaming and subscription services
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music, & more
  • 0% intro APR on purchases until December 2016, 14.24% - 24.99% variable APR after that
  • No annual fee
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
0% intro on purchases until December 2016 14.24% - 24.99% (Variable) $0 Yes Excellent

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* 18.15% to 24.15%* $35* No* Poor to Fair*

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

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* 18.15% to 24.15%* $35* No* Poor to Fair*

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

USAA Rate Advantage Platinum Visa®

  • Enjoy our lowest rate card.
  • Pay no annual, penalty APR or foreign transaction fees
  • Get travel and retail benefits
Intro Rate Intro Period Regular APR Annual Fee Balance Transfer Credit Needed
N/A* N/A* 7.15% to 24.15%* $0 Yes* Fair to Good

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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