Credit Cards for Fair Credit

Credit cards within this credit category typically offer the lowest APRs, lowest fees, best rewards, and most competitive introductory offers. 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.

 

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Rewards Rate 1

Up to a 3% Cash Back Reward

Regular APR

29.99% OR 36% (V)

Credit Recommended

Fair

Credit Recommended:
Fair

on Fortiva’s secure website.

Annual Fee

As low as $85

Card Brand

Mastercard®

Foreign Trans Fee

3% of each transaction amount in U.S. dollars

  • With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward
  • Make contactless payments through Mobile Wallet
  • Periodic Credit Increase Reviews
  • Free access to your Vantage 3.0 score from Equifax†

† Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

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Credit Line

Up to $1,500

Regular APR

29.9% Fixed

Security Deposit

None

Credit Recommended:
Fair

on the Blaze secure website.

Credit Recommended: Fair
0%
  • Let’s Grow Together!
  • Credit line up to $1,500 – most receive $350; some higher
  • 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
  • Don’t worry if you don’t have perfect credit, let’s work to rebuild together!
  • Skip the mail and apply easily and securely online
  • 24/7 on-the-go account access with our free mobile app

See Pricing & Terms details on the Blaze secure website.

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Checking Account Required

Yes

Reports to Consumer Reporting Agencies

Yes

Card Brand

Mastercard®

Credit Recommended (660-850): Fair/Poor

on PREMIER Bankcard® secure website.

Credit Recommended: Fair/Poor
0%
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • 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 PREMIER Bankcard® product.
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Rewards Rate

Earn 1.5% cashback rewards on all of your eligible purchases

Card Brand

Mastercard®

Credit Recommended

Poor to Good

Credit Recommended:
Poor to Good

on Destiny Mastercard® secure website.

Regular APR

35.9% Variable

Annual Fee

$175 the first year; $49 thereafter

  • Earn 1.5% cashback rewards on all of your eligible purchases!
  • Reports to all three major credit bureaus
  • Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
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Regular APR

29.99% APR, compounded daily

Reports to Consumer Reporting Agencies

Monthly to all 3 major bureaus

Annual Fee

$75 Annual Fee, 1st year ($48 Annual Fee, after 1st year)

Credit Recommended:
Fair

on Total Card secure website.

Cash Advance APR

$10 or 3% Cash Advance Fee

Late Payment Fee

$41 Late Payment Fee

Return Payment Fee

$41 Returned Payment Fee

  • Total Select cardholders get FREE access to Credit Monitoring powered by TransUnion. Enroll Today!
  • $300 Credit Limit
  • Chip-Enabled Card for Added Security
  • Credit Limit Increase Possible After 12 Months
  • Reports Monthly to Major Credit Bureaus
  • Quick and Easy Approval Process
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Balance Transfer Fee

$0 at this Transfer APR

Fraud Coverage

You’re covered by $0 Fraud Liability if your card is ever lost or stolen

Credit Recommended

Average, Fair, Limited

Credit Recommended (660-850):
Fair

on issuer’s secure website.

Annual Fee

$0

Foreign Trans Fee

None

Regular APR

28.49% (Variable)

  • No annual or hidden fees. See if you’re approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One’s mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
  • Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you
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Regular APR

26.99 – 29.99 (Variable)

Cash Advance APR

29.99% (Variable)

Annual Fee

$0-59

Credit Recommended:
Fair

on Mission Lane secure website.

Reports to Consumer Reporting Agencies

Yes

Card Brand

Visa®

Late Payment Fee

Up to $35

  • See if you qualify instantly without harming your credit score.
  • Get a higher credit line if you’re in good standing after making your first 6 payments on time.
  • Free, online credit score access for cardholders.
  • Instant decision on your application.
  • No interest on purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.
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Regular APR

23.74% – 33.24% Variable

Credit Recommended

Fair/Bad/Limited/No Credit

Credit Limit

$300 – $5,000

Credit Recommended:
Average, Fair, Limited

on WebBank secure website.

Late Payment Fee

Late fees up to $29 for first late payment, $40 for second late payment.

Intro Rate

N/A

Intro Period

N/A

  • $0 Annual Fee
  • Variable APRs range from 23.74% – 33.24%
  • $300 – $5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we’ll create your Cash Score instead.
  • 2% – 10% cash back at select merchants
  • See if you’re pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Build credit alongside hundreds of thousands of Petal card members.
  • Petal’s mobile app makes it easy to manage your money, track your spending, and automate payments.
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
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Regular APR

29.99%

Annual Fee

See Terms

Credit Recommended

Fair/Poor/Bad

Credit Recommended:
Fair

on the issuer’s secure website.

Intro Rate

N/A

Intro Period

N/A

Balance Transfer

N/A

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • 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 Experian* (When you sign up for e-statements)
  • Checking Account Required
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Checking Account Required

Yes

Reports to Consumer Reporting Agencies

Yes

Card Brand

Mastercard®

Credit Recommended:
Fair/Poor

on PREMIER Bankcard® secure website.

Credit Recommended Good/Excellent
0%
  • Everyone deserves a chance to build* credit: apply today!
  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • We’ll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • 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 PREMIER Bankcard® product.
  • *Build credit by keeping your balance low and paying all your bills on time every month.
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Regular APR

35.99%

Cash Advance APR

35.99%

Annual Fee

$75.00 for first year. After that, $48.00 annually.

Credit Recommended:
See website for Details*

on issuer’s secure website.

Late Payment Fee

$40

Activation Fee

$95.00 (one-time fee)

Cash Advance Fee

Either $10, or 3% of the amount of the Cash Advance, whichever is greater.

  • 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
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Checking Account Required

Yes

Reports to Consumer Reporting Agencies

Yes

Card Brand

Mastercard®

Credit Recommended:
Fair

on PREMIER Bankcard® secure website.

Credit Recommended: Fair
0%
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply.
  • PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
  • Everyone deserves a chance to build* credit: apply today!
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • 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 PREMIER Bankcard® product.
  • *Build credit by keeping your balance low and paying all your bills on time every month.
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Intro Rate

See website for Details*

Intro Period

See website for Details*

Regular APR

24.99% – 29.99% (Variable)

Credit Recommended:
See website for Details*

on Celtic Bank secure website.

Annual Fee

See website for Details*

Balance Transfer

See website for Details*

Credit Recommended

See website for Details*

  • to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • 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
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Annual Fee

$0 – $99

Regular APR

24.9%

Credit Recommended

Fair/Good

Credit Recommended:
Fair/Good

On the Indigo® Mastercard® secure website

  • 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.
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Credit Recommended

Average, Fair, Limited

Balance Transfer Fee

$0 at this Transfer APR

Fraud Coverage

You’re covered by $0 Fraud Liability if your card is ever lost or stolen

Credit Recommended:
Fair/Bad/Limited/No Credit

on Capital One® secure website.

Foreign Trans Fee

None

Regular APR

28.49% (Variable)

Annual Fee

$39

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn’t expire for the life of the account. It’s that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It’s free for everyone
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
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Credit Line

$500 – $25,000

Annual Fee

$0

Foreign Trans Fee

$0

Credit Recommended:
Average, Fair, Limited

on Sutton Bank, Member FDIC secure website.

Regular APR

14.99% – 29.99% APR

Balance Transfer Fee

N/A

Credit Recommended
0%
  • Earn a $200 bonus on your Upgrade Card after opening a Rewards Checking account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • $0 annual fee, $0 activation fees, $0 foreign transaction fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

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Regular APR

24.99% – 29.99% (Variable)

Credit Recommended

Fair/Poor/Bad/Limited

Annual Fee

See Terms

Credit Recommended:
Average, Fair, Limited

on Celtic Bank secure website.

Intro Rate

N/A

Intro Period

N/A

Balance Transfer

N/A

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • 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 Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • 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
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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.