Credit Cards for Fair Credit

Credit scores that generally qualify for one of these cards are between 550 and 619.Not sure what your credit score is? Sign up for a Free CreditSoup account today and get access to your free credit score and top matched credit card options specifically for you. Checking your score has no impact to your credit.

Merrick Bank Double Your Line™ Platinum Visa® Credit Card

Credit Recommended:
See website for Details*
Apply Now on issuer’s secure website.
Credit Recommended:
See website for Details*
Intro Rate
N/A
Intro Period
N/A
Regular APR
20.95% - 29.20% Variable
Apply Now on issuer’s secure website.
Annual Fee
$0-$70
Balance Transfer
N/A
Credit Recommended
See website for Details*

Highlights

  • See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
  • Credit Line Range $550 - $1,250, Doubling to $1,100 - $2,500.
  • Double Your Line by making at least your minimum payment on time each month for the first 7 months your account is open. After you make your payments, the increase is automatic.
  • Get your updated FICO® Score each month.
  • $0 Fraud Liability protects you from unauthorized charges.
  • Online and mobile Account Access.
  • No Penalty Rates or Over Limit Fee

First Digital Mastercard®

Credit Recommended:
See website for Details*
Apply Now on Synovus Bank, Member: FDIC secure website.
Credit Recommended:
See website for Details*
Regular APR
35.99%
Cash Advance APR
35.99%
Annual Fee
$75.00 for first year. After that, $48.00 annually.
Apply Now on Synovus Bank, Member: FDIC secure website.
Late Payment Fee
Up to $39.00
Return Check Fee
Up to $39.00
Activation Fee
$95.00 (one-time fee)

Highlights

  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • Easy and secure online application – It takes just moments to apply.
  • Issued by Synovus Bank, Member: FDIC
See additional details for First Digital Mastercard®

Blaze Mastercard® Credit Card

Credit Recommended:
Average/ Fair
Apply Now on the Blaze secure website.
Credit Recommended:
Average/ Fair
Regular APR
See Website*
Security Deposit
None
Credit Limit
Up to $1,500¹
Apply Now on the Blaze secure website.
Credit Recommended
Average/ Fair

Highlights

  • Credit limit up to $1,500 - ¹most customers receive an initial credit limit of $350; some higher
  • No security deposit required
  • 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
  • Stay in-touch with your account with text and email alerts
  • Access your account on the go with our free mobile app
See additional details for Blaze Mastercard® Credit Card

*See Pricing & Terms details on the Blaze secure website.


Upgrade Card

Credit Recommended:
Excellent, Good, Fair, Average
Apply Now on Sutton Bank, Member FDIC secure website.
Credit Recommended:
Excellent, Good, Fair, Average
Credit Line
$500 - $50,000
Regular APR
6.99%-29.99%
Annual Fee
$0
Apply Now on Sutton Bank, Member FDIC secure website.
Credit Recommended
Excellent, Good, Fair, Average

Highlights

  • Choose the Upgrade Card with a personal credit line instead of a credit card and enjoy predictable payments on lines from $500-$50,000.
  • No Fees – No annual fees and no fees to use your card.
  • Quick and easy application – find out if you qualify in minutes.
  • Checking your line won’t hurt your credit score.
  • Free access to credit monitoring, alerts and features to help you understand your credit.
  • Use wherever Visa is accepted. (cannot be used at an ATM)

Reflex Mastercard®

Credit Recommended:
Fair/Poor/Bad/Limited
Apply Now on Celtic Bank secure website.
Credit Recommended:
Fair/Poor/Bad/Limited
Regular APR
See Terms
Annual Fee
See Terms
Credit Recommended
Fair/Poor/Bad/Limited
Apply Now on Celtic Bank secure website.
Intro Rate
N/A
Intro Period
N/A
Balance Transfer
N/A

Highlights

  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • 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
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required

FIT Mastercard®

Credit Recommended:
Fair/Poor/Bad
Apply Now on The Bank of Missouri secure website.
Credit Recommended:
Fair/Poor/Bad
Regular APR
See Terms
Annual Fee
See Terms
Credit Recommended
Fair/Poor/Bad
Apply Now on The Bank of Missouri secure website.
Intro Rate
N/A
Intro Period
N/A
Balance Transfer
N/A

Highlights

  • 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
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
  • Checking Account Required

Milestone Gold Mastercard®

Credit Recommended:
Fair/Good
Apply Now on The Bank of Missouri secure website.
Credit Recommended:
Fair/Good
Annual Fee
$35 - $99*
Regular APR
24.9%
Credit Recommended
Fair/Good
Apply Now on The Bank of Missouri secure website.

Highlights

  • 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®

*Dependent on credit worthiness


Surge Mastercard®

Credit Recommended:
See website for Details*
Apply Now on Celtic Bank secure website.
Credit Recommended:
See website for Details*
Intro Rate
See website for Details*
Intro Period
See website for Details*
Regular APR
See website for Details*
Apply Now on Celtic Bank secure website.
Annual Fee
See website for Details*
Balance Transfer
See website for Details*
Credit Recommended
See website for Details*

Highlights

  • All credit types welcome to apply!
  • 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
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required

First PREMIER® Bank Mastercard® Credit Card

Credit Recommended:
Fair/Poor
Apply Now on First PREMIER® Bank secure website.
Credit Recommended:
Fair/Poor
Intro Rate
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Apply Now on First PREMIER® Bank secure website.
Credit Recommended
Fair/Poor

Highlights

  • YOU’RE NOT ALONE. With millions of customers nationwide, First PREMIER has the expertise to serve you, your family and friends.
  • Access to available credit when you need it
  • Low monthly payment intended to fit your budget
  • Build credit with First PREMIER-opportunity for credit limit increases after consistent responsible account management
  • Customized account management options to fit your needs

*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 First PREMIER® Bank product.


Indigo® Platinum Mastercard®

Credit Recommended:
Fair/Good
Apply Now on Genesis FS Card Service secure website.
Credit Recommended:
Fair/Good
Annual Fee
$0 - $99
Regular APR
24.9%
Credit Recommended
Fair/Good
Apply Now on Genesis FS Card Service secure website.

Highlights

  • 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®

First Access Visa® Card

Credit Recommended:
Fair/Bad
Apply Now on The Bank of Missouri secure website.
Credit Recommended:
Fair/Bad
Regular APR
See Terms
Annual Fee
See Terms
Balance Transfer
N/A
Apply Now on The Bank of Missouri secure website.
Credit Recommended
Fair/Bad

Highlights

  • Checking Account Required
  • 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 Program Fee and you can access the $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
See additional details for First Access Visa® Card

Indigo® Unsecured Mastercard®

Credit Recommended:
Fair/Good
Apply Now on Genesis FS Card Service secure website.
Credit Recommended:
Fair/Good
Annual Fee
$0 - $99
Regular APR
24.9%
Credit Recommended
Fair/Good
Apply Now on Genesis FS Card Service secure website.

Highlights

  • Pre-qualify today without an impact on your credit score
  • Keeping your account in good standing may help establish and/or improve your credit
  • Access your account online or from your mobile device 24/7
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
See additional details for Indigo® Unsecured Mastercard®

Apply Now on The Bank of Missouri secure website.
Credit Recommended:
Fair/Good
Annual Fee
$35 - $99*
Regular APR
24.9%
Credit Recommended
Fair/Good
Apply Now on The Bank of Missouri secure website.

Highlights

  • Prequalify for a card today and it will not impact your credit score
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.

*Dependent on credit worthiness

Advertiser Disclosure

Credit Cards Offers For Fair Credit

Credit cards within this category are typically unsecured, though many carry an annual fee, smaller credit limits and higher interest rates than cards designed for good or excellent credit. Credit scores that generally qualify for one of these cards range from a low of 550 up to 619.** Not sure what your score is? Sign up for an account with CreditSoup to get your free credit score.

Benefits of Credit Cards for Fair Credit Scores

If you have a fair credit score, it’s likely that you are looking to increase it. Applying for a credit card that you can pay on time each month can move you in a positive direction toward a credit history that lenders will view favorably.

When evaluating credit cards, look for:

  • Program fees, and how much they cost
  • Whether the card is unsecured or requires a security deposit
  • Annual fees, if any
  • Introductory interest rates
  • Limits on balance transfers
  • Regular interest rate
  • Benefits or rewards you can collect over time

The higher your score, the better the terms you can get in an offer. Younger adults who have a limited credit history may appreciate credit card options designed for students. Those with impaired credit could use one of these cards to help rebuild their score over time with responsible use.

Choosing Credit Cards for Fair Credit

For most people, credit cards are tools that help them achieve their financial goals. You want to make a choice that works best for your needs. Create a list of your priorities, and it will make it easier to decide. If you don’t care as much about rewards but really need to keep costs down, you should look for cards with a low or no annual fee. If you know that you will need to carry a balance on the card for a time, you might opt for one with a lower interest rate, if available. CreditSoup makes comparison easy, with necessary details about a variety of options right here.

Improving your credit is a worthy ambition for anyone, but you don’t have to wait until then to apply for a credit card. Browse CreditSoup’s list of credit cards for fair credit scores and see where your financial future could take you.

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

**Credit 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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Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.