Credit Cards for Fair Credit

Credit cards within this category typically range from unsecured, some of which may be fee-based, to prepaid cards. Credit scores that generally qualify for one of these cards are between 550 and 619.** Not sure what your score is? Sign up for an account with CreditSoup to get your free credit score today.

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.


Capital One® Platinum Credit Card

Credit Recommended:
Average, Fair, Limited
Apply Now on Capital One® secure website.
Credit Recommended:
Average, Fair, Limited
Annual Fee
$0
Balance Transfer Fee
$0
Foreign Trans Fee
None
Apply Now on Capital One® secure website.
Regular APR
26.96% (Variable)
Product Type
ConsumerCard
Credit Recommended
Average, Fair, Limited

Highlights

  • 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
See additional details for Capital One® Platinum Credit Card

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

  • Our application is quick and easy with instant pre-qualification available
  • All credit histories considered
  • 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


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

  • Must have checking account to qualify
  • No Security Deposit Required
  • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit)
  • If approved, reports your credit history to the major Consumer Reporting Agencies.
  • Easy Online Application!

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


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

  • Simple and fast application process
  • Don't have perfect credit? No problem!
  • Free 24/7 account access and bill pay from anywhere
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.
See additional details for Indigo® Platinum Mastercard®

Total Visa® Card

Credit Recommended:
Fair/Bad Credit
Apply Now on The Bank of Missouri secure website.
Credit Recommended:
Fair/Bad Credit
Regular APR
See Terms*
Annual Fee
See Terms*
Activation Fee
See Terms*
Apply Now on The Bank of Missouri secure website.
Credit Recommended
Fair/Bad Credit

Highlights

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa credit card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Program Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
See additional details for Total Visa® Card

Apply Now on Credit One Bank® secure website.
Credit Recommended:
Fair
Annual Fee
$0 - $99
Foreign Trans Fee
3% or $1.00, whichever is greater
Regular APR
20.24%-26.24% Variable
Apply Now on Credit One Bank® secure website.
Credit Recommended
Fair
Purchase Grace Period
0 or 24 Days (see terms)

Highlights

  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.

Journey® Student Rewards from Capital One®

Credit Recommended:
Average, Fair, Limited
Apply Now on Capital One® secure website.
Credit Recommended:
Average, Fair, Limited
Annual Fee
$0
Balance Transfer Fee
$0
Foreign Trans Fee
None
Apply Now on Capital One® secure website.
Regular APR
26.96% (Variable)
Product Type
ConsumerCard
Credit Recommended
Average, Fair, Limited

Highlights

  • 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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone

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

Apply Now on Credit One Bank® secure website.
Credit Recommended:
Fair
Annual Fee
$0 - $99
Foreign Trans Fee
3% or $1.00, whichever is greater
Regular APR
20.24%-26.24% Variable
Apply Now on Credit One Bank® secure website.
Credit Recommended
Fair
Purchase Grace Period
0 or 24 Days (see terms)

Highlights

  • 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.

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
  • Helping consumers with limited or damaged credit make a fresh start for over 12 years
  • 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

  • Applying is quick and easy with our fast decision process
  • 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


Petal Visa Credit Card

Credit Recommended:
Fair/Good/Limited/No Credit
Apply Now on WebBank secure website.
Credit Recommended:
Fair/Good/Limited/No Credit
Intro (Purchases)
N/A
Intro (Transfers)
N/A
Regular APR
15.24 - 26.24% Variable
Apply Now on WebBank secure website.
Annual Fee
$0
Credit Recommended
Fair/Good/Limited/No Credit
Credit Limit
$500 - $10,000

Highlights

  • Up to 1.5% cash back after making 12 on-time payments
  • 1% cash back on all purchases - right away
  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
  • $500 - $10,000 credit limits
  • No credit history necessary for approval
  • Build credit by using responsibly.
  • Petal reports to all 3 major credit bureaus
  • Petal's mobile app makes it easy to manage your money, track your spending and automate payments
  • See if you're pre-approved within minutes without impacting your credit score.
  • No deposits required.
  • Card issued by WebBank, member FDIC.
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 card 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 card companies or all card offers available in the marketplace. CreditSoup may use other proprietary factors to impact card 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.