Fair Credit Cards
Here are the most attractive credit cards targeting people with fair credit. Among the fair credit credit cards on this web page you can find a variety of credit cards issued by the most recognized U.S. banks and credit card companies. Find out if there are fair credit cards from banks you are loyal to.
If you are a person with fair credit, take a closer look at the credit cards we have to offer. Some fair credit cards offer 0% introductory APRs, no annual fee for the first year, generous rewards, cash back and more. Compare the cards side by side and apply online.
Intro APR
APR
Annual Fee
Summary:
- Fair Credit History? Apply or pre-qualify for a credit card today!
- Earn great rewards or simply build your credit with responsible card use!
- Monthly reporting to major consumer reporting agencies and 24/7 access to your account.
See details
See terms
Minimum Credit Level Needed:Fair
Fair Credit
You can apply if: your credit history is short. You've had your own credit card, loan or have been an authorized user on someone's credit card for less than 3 years. You have recent late or missed payments or defaulted on a loan in the past 5 years.
Intro APR
APR
Annual Fee
Summary:
- No annual fee
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
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N/A
29.74% (variable)
$0
Minimum Credit Level Needed:Bad/No
Intro APR
APR
Annual Fee
Summary:
- 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
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N/A
See Terms
See Terms
Minimum Credit Level Needed:Fair/Bad
Intro APR
APR
Annual Fee
Summary:
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
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N/A
24.99% (V)
$29
Minimum Credit Level Needed:Poor/Limited/No Credit
Intro APR
APR
Annual Fee
Summary:
- Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion®!
- Checking Account Required
- Fast and easy application process; response provided in seconds
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N/A
See Terms
See Terms
Minimum Credit Level Needed:Bad/Fair
Intro APR
APR
Annual Fee
Summary:
- Up 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)
See details
See website for Details*
29.99% (Variable)
See website for Details*
Minimum Credit Level Needed:See website for Details*
Intro APR
APR
Annual Fee
Summary:
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
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N/A
22.39% (variable)
$35
Minimum Credit Level Needed:Bad / No
Bad / No Credit
You can apply if: you have never had a credit card or haven't established a credit history yet; your credit has seen bankruptcies or defaults.
Intro APR
APR
Annual Fee
Summary:
- Greater access to credit than before - $700 credit limit
- Get a Mastercard accepted online, in store and in app
- Account history is reported to the three major credit bureaus in the U.S.
See details
N/A
See terms
See terms
Minimum Credit Level Needed:Fair / Good
Fair / Good Credit
You can apply if: your credit seen up and downs, but now it is stable and you manage it responsibly: you're making on time payments every month and staying within limits now.
Intro APR
APR
Annual Fee
Summary:
- $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
See details
N/A
See Terms*
See Terms*
Minimum Credit Level Needed:Bad/Fair
Intro APR
APR
Annual Fee
Summary:
- Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion®!
- Checking Account Required
- Fast and easy application process; response provided in seconds
See details
N/A
See Terms
See Terms
Minimum Credit Level Needed:Bad/Fair
Intro APR
APR
Annual Fee
Summary:
- Earn 1% Cash Back Rewards on payments made to your First Progress Secured credit card account.
- No minimum credit history or credit score required!
- Imagine being rewarded for simply paying your bill each month.
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N/A
18.99% (V)
$39
Minimum Credit Level Needed:Poor/Limited/No Credit
Reasonable efforts are made to maintain accurate information. However, the information on the cards' rates and terms is presented without warranty. When you click on the "apply online" link you will have an opportunity to review the credit card terms and conditions on the credit card issuer's web site.
Fair Credit Card Applications Online
Fair credit credit cards are very popular with customers with fair credit history. In terms of FICO scores, these are people whose credit score is anything between 640 and 699. If it is you, you are welcome to choose from the fair credit cards issued by famous banks and apply online.
Fair credit cards usually have features, rewards and benefits not so tempting as compared to good to excellent credit credit cards but if used wisely they can help your credit. For a reasonable cardholder, fair credit cards are a step towards good credit. Most of the following fair credit cards (if not all) report to the major consumer reporting agencies. With these credit cards you may be able to improve your credit slowly but surely by making timely payments with all of your creditors and maintaining your credit balances below the credit limits and one day you may reach a good credit score and opt for good credit credit cards with better credit terms.
Consider fair credit cards that offer 0% promotional APRs, no annual fee for the first year, decent rebates and/or cash back. At our web site you are sure to find the right credit card for your individual credit rating but keep in mind that it is always up to your credit card issuer to decide on your approval. Choose a card to meet your financial needs best and apply online. Online card applications are both safe and quick, especially for fair credit credit cards.
