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 is between 580 and 660.** Not sure what your score is? Sign up for an account with CreditSoup to get your free credit score.

Intro Rate
N/A
Regular APR
See website*
Annual Fee
See website*
Credit Recommended
Fair/Poor

Highlights

  • Must have checking account to qualify
  • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit)
  • Reports to the major Consumer Reporting Agencies
  • Easy Online Application!

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


Annual Fee
$0
Balance Transfer Fee
$0
Foreign Trans Fee
None
Regular APR
24.99% (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

Annual Fee
$0 - $99
Balance Transfer
N/A
Regular APR
23.9%
Credit Recommended
Fair/Good

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®

Credit Line
Up to $5,000
Monthly Fee
None
Regular APR
See website for Details*
Credit Recommended
Poor/Fair/Limited/Damaged

Highlights

  • Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
  • Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
  • Up To 12 Months Same As Cash
  • 50% Early Payoff Discount
  • No Hidden Fees
  • Return at any Time
See additional details for Emporium Card

Regular APR
See Terms*
Annual Fee
See Terms*
Activation Fee
See Terms*
Credit Recommended
Fair/Bad Credit

Highlights

  • 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
See additional details for Total Visa® Card

Regular APR
See Terms
Annual Fee
See Terms
Balance Transfer
N/A
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 Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Issued by Mid America Bank & Trust Company, founded 1920, Member: FDIC
See additional details for First Access Visa® Card

Annual Fee
$0 - $99
Foreign Trans Fee
3% or $1.00, whichever is greater
Regular APR
16.99% - 24.99% Variable
Credit Recommended
Fair

Highlights

  • This unsecured card requires no deposit and can help build your credit
  • Receive opportunities for credit line increases, a fee may apply
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back on eligible purchases, terms apply
  • Choose your monthly payment due date for added convenience, terms apply
  • Monitor your credit with free online access to your credit score

Annual Fee
$0 - $99
Balance Transfer
N/A
Regular APR
23.9%
Credit Recommended
Fair/Good

Highlights

  • Easy pre-qualification process with fast response
  • All credit histories considered
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
See additional details for Indigo® Platinum MasterCard® Credit Card

Annual Fee
$0 - $99
Foreign Trans Fee
3% or $1.00, whichever is greater
Regular APR
16.99% - 24.99% Variable
Credit Recommended
Fair

Highlights

  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due

Annual Fee
$35 - $99*
Balance Transfer
N/A
Regular APR
23.9%
Credit Recommended
Fair/Good

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


Annual Fee
$0
Balance Transfer Fee
$0
Foreign Trans Fee
None
Regular APR
24.99% (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
  • There's no limit to the amount of cash back you can earn, and rewards won't expire for the life of the account
  • 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

Annual Fee
$35 - $99*
Balance Transfer
N/A
Regular APR
23.9%
Credit Recommended
Fair/Good

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


Annual Fee
$0 - $99
Balance Transfer
N/A
Regular APR
23.9%
Credit Recommended
Fair/Good

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®

*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.