Fair Credit CREDIT CARDS
With fair credit, it’s easy to believe that you’ll never qualify for a credit card. Fortunately, this isn’t true. There are hundreds of credit cards designed for consumers with fair credit, all of which provide a variety of benefits to help improve your finances. From the Surge Mastercard credit card to the First Access Visa credit card, we help you find the offer that best suits you. From the interest rate to fees, from credit requirements to brand information, we’ll help you secure the right credit card at the right time.
FIT Mastercard®
Fast and easy application process; results in seconds
Intro Purchase APR See Terms*
Intro Balance Transfer APR n/a
Regular Purchase APR See Terms*
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad Credit
Card BrandMasterCard®
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
Specifications
| Intro (Purchases) | See Terms* |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Terms* |
| Annual Fee | See Terms* |
| Credit Recommended | Good/Fair/Bad Credit |
| Cash Advance APR | See Terms* |
| Cash Advance Fee | See Terms* |
| Cash Grace Period | See Terms* |
| Late Payment Fee | See Terms* |
| Return Check Fee | See Terms* |
| Foreign Trans Fee | See Terms* |
| Balance Transfer Fee | See Terms* |
Indigo® Platinum Mastercard® Credit Card
Unsecured credit card, no security deposit required
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Regular Purchase APR 24.9%
Annual Fee $0 - $99
Credit Recommended Fair/Good
Card BrandMasterCard®
Highlights
- Easy pre-qualification process with fast response
- Less than perfect credit is okay
- 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.
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 24.9% |
| Annual Fee | $0 - $99 |
| Credit Recommended | Fair/Good |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Merrick Bank Double Your Line™ Platinum Visa® Credit Card
See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Regular Purchase APR 20.95% - 29.20% Variable
Annual Fee $0-$70
Credit Recommended See website for Details*
Card BrandVisa
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
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 20.95% - 29.20% Variable |
| Annual Fee | $0-$70 |
| Credit Recommended | See website for Details* |
| Cash Advance APR | 25.95% - 34.20% Variable |
| Cash Advance Fee | $0 |
| Cash Grace Period | See Terms* |
| Late Payment Fee | Up to $39 |
| Return Check Fee | See Terms* |
| Foreign Trans Fee | See Terms* |
| Balance Transfer Fee | See Terms* |
Surge Mastercard® Credit Card
See if you’re Pre-Qualified without impacting your credit score
Intro Purchase APR N/A
Intro Balance Transfer APR n/a
Regular Purchase APR See Terms*
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad
Card BrandMasterCard®
Highlights
Give Your Credit a Surge
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
How it Works
The Surge credit card is designed for people with less than perfect credit who want to get back on track. After you complete our short and easy online application, your results will be ready in a matter of seconds! Don’t miss this chance to Surge!
Why Choose the Surge Card?
If you have poor credit and are trying to improve your credit score, using a credit card responsibly may help. The Surge Mastercard® will report your payment activity to the three major credit bureaus on a monthly basis. Maintaining a low balance and paying your bill on time every month are two of the best practices for positive credit.
Get Approved Today!
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
- All credit types welcome to apply!
- 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
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Terms* |
| Annual Fee | See Terms* |
| Credit Recommended | Good/Fair/Bad |
| Cash Advance APR | See Terms* |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Upgrade Card
Upgrade Card with Personal Credit Line
Intro Purchase APR N/A
Intro Balance Transfer APR N/A
Regular Purchase APR 6.49%-29.99%
Annual Fee 0.00
Credit Recommended Fair,Good,Excellent
Card BrandVisa
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)
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 6.49%-29.99% |
| Annual Fee | 0.00 |
| Credit Recommended | Fair,Good,Excellent |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | 0.00 |
| Return Check Fee | 0.00 |
| Foreign Trans Fee | 0.00 |
| Balance Transfer Fee | 0.00 |
Credit One Bank® Visa® Credit Card with Cash Back Rewards
1% cash back rewards on all purchases
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Regular Purchase APR 19.49% -25.49% Variable
Annual Fee $0 - $99
Credit Recommended Fair
Card BrandVisa
Highlights
Credit One Bank® is one of America’s leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.
- 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.
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 19.49% -25.49% Variable |
| Annual Fee | $0 - $99 |
| Credit Recommended | Fair |
| Cash Advance APR | 25.49% Variable |
| Cash Advance Fee | $5.00/8% or $10.00/3%, whichever is greater (see terms) |
| Cash Grace Period | 0 or 24 Days (see terms) |
| Late Payment Fee | Up to $39 (terms apply) |
| Return Check Fee | Up to $39 (terms apply) |
| Foreign Trans Fee | 3% or $1.00, whichever is greater |
| Balance Transfer Fee | n/a |
Reflex Mastercard®
See if you’re Pre-Qualified with no impact to your credit score
Intro Purchase APR See Terms*
Intro Balance Transfer APR n/a
Regular Purchase APR See Terms*
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad Credit
Card BrandMasterCard®
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
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Terms* |
| Annual Fee | See Terms* |
| Credit Recommended | Good/Fair/Bad Credit |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Regular Purchase APR See Terms*
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad
Card BrandVisa
Highlights
The TOTAL Card is available to people with fair, poor, or limited credit! Complete the fast and easy online application and get a response in seconds.
Choose from 6 different FREE card designs!
- 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
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Terms* |
| Annual Fee | See Terms* |
| Credit Recommended | Good/Fair/Bad |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Regular Purchase APR 24.9%
Annual Fee $35 - $99*
Credit Recommended Fair/Good Credit
Card BrandMasterCard®
Highlights
- Instant pre-qualification is available for those who qualify
- Don’t have perfect credit? No problem!
- Mobile friendly online access from anywhere
- Pick from multiple card designs at no extra charge
- Account history is reported to the three major credit bureaus in the U.S.
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 24.9% |
| Annual Fee | $35 - $99* |
| Credit Recommended | Fair/Good Credit |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Regular Purchase APR 19.49% -25.49% Variable
Annual Fee $0 - $99
Credit Recommended Fair/Bad
Card BrandVisa
Highlights
Credit One Bank® is one of America’s leading credit card providers, serving over 5 million customers nationwide. Credit One is committed to providing customers with credit card products that offer more value through cash back rewards and free online monthly credit score tracking.
- See if you Pre-Qualify without harming your credit score
- Track your progress with free online access to your Experian credit score, terms apply
- Looking to rebuild credit? We report to the major credit bureaus monthly
- Accounts are automatically reviewed for credit line increase opportunities
- Make paying your bill easier with the ability to choose your payment due date, terms apply
- Stay in-the-know with customizable account alerts via email and text
- Receive 1% cash back rewards on eligible purchases, terms apply
- Enjoy peace of mind with $0 Fraud Liability
Specifications
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 19.49% -25.49% Variable |
| Annual Fee | $0 - $99 |
| Credit Recommended | Fair/Bad |
| Cash Advance APR | 25.49% Variable |
| Cash Advance Fee | $5.00/8% or $10.00/3%, whichever is greater (see terms) |
| Cash Grace Period | 0 or 24 Days (see terms) |
| Late Payment Fee | Up to $39 (terms apply) |
| Return Check Fee | Up to $39 (terms apply) |
| Foreign Trans Fee | 3% or $1.00, whichever is greater |
| Balance Transfer Fee | n/a |
Fair Credit
With fair credit, it’s not always easy to qualify for a credit card. Even though you may run into some challenges, there are hundreds of credit card offers for consumers with fair credit.
From the First Access Visa to the Surge Mastercard, we’ll help you find the credit card that best suits your current financial situation and future goals.
How to Increase Your Fair Credit Score
Is a fair credit score holding you back from securing a loan? Is it making it difficult to make a big purchase? Your score may be hovering between 580 and 669 right now, but there are steps you can take to reach the next level.
Here are five ways to increase your fair credit score:
1. Inspect Your Credit Report
What’s the reason for your fair credit score? Is there anything you can immediately clear up? For example, you may be surprised to find that you have several credit cards that are maxed out. By paying down your balances, you’re freeing up credit. And when that happens, it has a positive impact on your credit score.
Tip: when reviewing your credit report, keep an eye open for errors.
2. Pay Off or Pay Down Balances
It’s easy (and fun) to spend money, but much more difficult to manage debt. High balances can drag down your credit score. Even if you’re unable to pay off all your debts in a reasonable time frame, you can at least pay your balances down.
3. Know Your Bills and Pay On Time
You know you have bills, but that doesn’t necessarily mean you always pay them on time. By creating a budget and setting reminders, you can prevent a situation in which you make a late payment or no payment at all.
Once you begin to pay your bills on time, one month after the next, you’ll feel confident in your ability to better manage your money. This confidence will eventually lead you to a higher credit score.
4. Diversify Your Credit
Did you know that diversifying your credit could boost your score? This doesn’t mean you should apply for new loans and credit cards for this sole purpose, but it could work in your favor. For example, if you’re interested in borrowing money, consider a personal loan instead of a credit card.
5. Wait it Out
It would be nice if you could change your financial approach today, and watch your credit score grow tomorrow. Unfortunately, it doesn’t work this way. It takes time to reach your goals, so you must exercise patience. Doing the right things, month after month, will pay off in the long run.
Final Thoughts
Even though a fair credit score leaves a lot to be desired, a few changes can have a positive impact. When you stay the course for an extended period of time, you’ll eventually find your fair score reaching good (or even excellent) territory.
With the following credit cards, excellent credit is not required. Even if other credit card issuers have denied you, these offers put you in position to receive an immediate approval.
Advertiser Disclosure * Advertisements which display guaranteed credit lines or credit limits of $500.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auctions. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit. When searching for the best credit card for you, there are several factors that you ought to consider. A few cards have APR rates that you need to review before you sign on with a bank or lender. Financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit card organization those fees plus your current balance. Interest fees can shift from as low as 0% to as high as 35% for various periods. Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s). Please review full terms and conditions prior to applying for any credit card.
General Disclaimer Please review the credit card applications for specifics into the terms and conditions. We strive to display current and up-to-date information. Nonetheless, all credit card offers are displayed without guarantee. To affirm terms and conditions, tap the "Apply Now" to learn more about the credit offer on a secure page provided by the card issuer(s)
Editorial Note Our team of editors rate credit card offers unbiasedly in light of the components the credit card offers purchasers, expenses, financing costs, and how a credit card is related by category. The evaluations are the master supposition of our editors, and not affected by any compensation this site gets from the credit card issuer(s).