Fair Credit CREDIT CARDSWith 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.
Start building credit by keeping your balance low and paying all your bills on time each month
Fair/Poor
Annual FeeSee Provider Website
Mon 07 Jul 2025
Up to $1,000 credit limit subject to credit approval
Card BrandVisa
Credit Recommended Fair/Poor
Annual Fee As low as $99
Regular Purchase APR 36% Fixed
Rewards Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Full Details Card Page
| Regular APR | 36% Fixed |
|---|---|
| Annual Fee | As low as $99 |
| Credit Recommended | Fair/Poor |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | n/a |
| Cash Advance Fee | Either $5 or 5% of the amount of each cash advance, whichever is greater |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | n/a |
| Return Check Fee | n/a |
| Foreign Transaction Fee | 3% of each transaction amount in U.S. dollars |
| Balance Transfer Fee | 3% of the amount of each transfer |
| Rewards Rate | Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases. |
Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!
Card BrandSee Terms
Credit Recommended Any Credit History
Annual Fee See Terms
Regular Purchase APR See Terms
Rewards See Terms
Full Details Card Page
Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!
See your best matches based on you
Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!
See your best matches based on you
Advertiser Disclosure: The offers that appear on this site are from third party companies (“our partners”) from which Experian Consumer Services receives compensation. This compensation may impact how, where, and in what order the products appear on this site. The offers on the site do not represent all available financial services, companies, or products.
For complete information, see the offer terms and conditions on the issuer or partner’s website. Once you click apply you will be directed to the issuer or partner’s website where you may review the terms and conditions of the offer before applying. We show a summary, not the full legal terms – and before applying you should understand the full terms of the offer as stated by the issuer or partner itself. While Experian Consumer Services uses reasonable efforts to present the most accurate information, all offer information is presented without warranty.
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*Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn more
| Regular APR | See Terms |
|---|---|
| Annual Fee | See Terms |
| Credit Recommended | Any Credit History |
| Intro (Purchases) | See Terms |
| Intro (Transfers) | See Terms |
| Cash Advance APR | See Terms |
| Cash Advance Fee | See Terms |
| Cash Grace Period | See Terms |
| Late Payment Fee | See Terms |
| Overlimit Fee | See Terms |
| Return Check Fee | See Terms |
| Foreign Transaction Fee | See Terms |
| Balance Transfer Fee | See Terms |
| Rewards Rate | See Terms |
Higher limit than before, still no security deposit required!
Card BrandMasterCard
Credit Recommended Bad/Poor/Fair
Annual Fee See Terms
Regular Purchase APR 35.9%
Rewards n/a
Full Details Card Page
| Regular APR | 35.9% |
|---|---|
| Annual Fee | See Terms |
| Credit Recommended | Bad/Poor/Fair |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | See Website for Details |
| Overlimit Fee | See Website for Details |
| Return Check Fee | See Website for Details |
| Foreign Transaction Fee | 1% of each transaction in U.S. dollars |
| Balance Transfer Fee | n/a |
| Rewards Rate | n/a |
No security deposit required—get started today!
Card BrandMasterCard
Credit Recommended Fair
Annual Fee $175 the first year; $49 thereafter
Regular Purchase APR 35.90%
Rewards Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases and 1% Cashback Rewards on all other purchases
Full Details Card Page
| Regular APR | 35.90% |
|---|---|
| Annual Fee | $175 the first year; $49 thereafter |
| Credit Recommended | Fair |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | 35.90% |
| Cash Advance Fee | $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 ) |
| Cash Grace Period | See Terms |
| Late Payment Fee | Up to $41 |
| Overlimit Fee | See Terms |
| Return Check Fee | See Terms |
| Foreign Transaction Fee | 1% of each transaction in U.S. dollars. |
| Balance Transfer Fee | See Terms |
| Rewards Rate | Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases and 1% Cashback Rewards on all other purchases |
A guaranteed $700 credit limit to help get your financial goals on track, if approved
Card BrandMasterCard
Credit Recommended Fair
Annual Fee $175 the first year; $49 thereafter
Regular Purchase APR 35.90%
Rewards Unlimited 1.5% Cashback Rewards earned on every purchase
Full Details Card Page
| Regular APR | 35.90% |
|---|---|
| Annual Fee | $175 the first year; $49 thereafter |
| Credit Recommended | Fair |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | See Terms |
| Cash Advance Fee | $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 ) |
| Cash Grace Period | See Terms |
| Late Payment Fee | Up to $40 |
| Overlimit Fee | See Terms |
| Return Check Fee | See Terms |
| Foreign Transaction Fee | 1% of each transaction in U.S. dollars |
| Balance Transfer Fee | See Terms |
| Rewards Rate | Unlimited 1.5% Cashback Rewards earned on every purchase |
Up to $1,000 credit limit subject to credit approval
Card BrandMasterCard
Credit Recommended Fair
Annual Fee $85-$175 first year, $229 thereafter
Regular Purchase APR 36% Fixed
Rewards Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Full Details Card Page
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
| Regular APR | 36% Fixed |
|---|---|
| Annual Fee | $85-$175 first year, $229 thereafter |
| Credit Recommended | Fair |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | n/a |
| Cash Advance Fee | Either $5 or 5% of the amount of each cash advance, whichever is greater |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | n/a |
| Return Check Fee | n/a |
| Foreign Transaction Fee | 3% of each transaction amount in U.S. dollars |
| Balance Transfer Fee | 3% of the amount of each transfer |
| Rewards Rate | Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases. |
Up to $1,000 credit limit subject to credit approval
Card BrandMasterCard
Credit Recommended Fair
Annual Fee $85-$175 first year, $229 thereafter
Regular Purchase APR 36% Fixed
Rewards Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Full Details Card Page
*See Program Terms for important information about the cash back rewards program.
**Fraud liability subject to Mastercard rules.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
*See Program Terms for important information about the cash back rewards program.
**Fraud liability subject to Mastercard rules.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
| Regular APR | 36% Fixed |
|---|---|
| Annual Fee | $85-$175 first year, $229 thereafter |
| Credit Recommended | Fair |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | n/a |
| Cash Advance Fee | Either $5 or 5% of the amount of each cash advance, whichever is greater |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | n/a |
| Return Check Fee | n/a |
| Foreign Transaction Fee | 3% of each transaction amount in U.S. dollars |
| Balance Transfer Fee | 3% of the amount of each transfer |
| Rewards Rate | Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases. |
Greater access to credit than before - $700 credit limit
Card BrandMasterCard
Credit Recommended Fair/Good
Annual Fee See Terms
Regular Purchase APR See Terms
Rewards n/a
Full Details Card Page
| Regular APR | See Terms |
|---|---|
| Annual Fee | See Terms |
| Credit Recommended | Fair/Good |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | See Terms |
| Cash Advance Fee | See Terms |
| Cash Grace Period | See Terms |
| Late Payment Fee | See Terms |
| Overlimit Fee | See Terms |
| Return Check Fee | See Terms |
| Foreign Transaction Fee | See Terms |
| Balance Transfer Fee | See Terms |
| Rewards Rate | n/a |
A guaranteed $700 credit limit to help get your financial goals on track, if approved.
Card BrandMasterCard
Credit Recommended Fair
Annual Fee $175 the first year; $49 thereafter
Regular Purchase APR 35.90%
Rewards n/a
Full Details Card Page
| Regular APR | 35.90% |
|---|---|
| Annual Fee | $175 the first year; $49 thereafter |
| Credit Recommended | Fair |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | 35.90% |
| Cash Advance Fee | $5 or 5% of the amount of each transaction, whichever is greater (not to exceed $100 ) |
| Cash Grace Period | See Terms |
| Late Payment Fee | Up to $40 |
| Overlimit Fee | See Terms |
| Return Check Fee | See Terms |
| Foreign Transaction Fee | 1% of each transaction in U.S. dollars. |
| Balance Transfer Fee | See Terms |
| Rewards Rate | n/a |
No hard inquiry to apply
Card BrandMasterCard
Credit Recommended All Credit Types Accepted
Annual Fee $36* (*discounted in Year 1 for starting credit lines under $200)
Regular Purchase APR 16% Variable
Rewards n/a
Full Details Card Page
| Regular APR | 16% Variable |
|---|---|
| Annual Fee | $36* (*discounted in Year 1 for starting credit lines under $200) |
| Credit Recommended | All Credit Types Accepted |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | Up to $8 |
| Overlimit Fee | n/a |
| Return Check Fee | None |
| Foreign Transaction Fee | n/a |
| Balance Transfer Fee | n/a |
| Rewards Rate | n/a |
See if you qualify in minutes without hurting your credit score
Card BrandVisa
Credit Recommended Fair
Annual Fee $39.00
Regular Purchase APR 21.96% -29.99% APR
Rewards Up to 10% cash back from your favorite brands with Upgrade Shopping
Full Details Card Page
Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. 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. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.
State Exclusions: DC, IA, WV, WI, CT, GA, MA
Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/20415490542747-Upgrade-Select-Card-details
Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. 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. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.
State Exclusions: DC, IA, WV, WI, CT, GA, MA
Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/20415490542747-Upgrade-Select-Card-details
| Regular APR | 14.99% - 29.99% APR |
|---|---|
| Annual Fee | 0.00 |
| Credit Recommended | Fair |
| Intro (Purchases) | n/a |
| Intro (Transfers) | n/a |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | 0.00 |
| Overlimit Fee | n/a |
| Return Check Fee | 0.00 |
| Foreign Transaction Fee | Up to 3% |
| Balance Transfer Fee | Up to 5% |
| Rewards Rate | Up to 10% cash back from your favorite brands with Upgrade Shopping |
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.
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:
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.
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.
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.
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.
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.
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-$750.00 are exclusively for usage through online retail stores, online marketplace websites and/or online auction websites. 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. Some 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 issuer those fees plus your current balance. 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).
