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.
Initial Credit Limit of $300 - $1,000* (subject to available credit)
Good/Fair/Bad Credit
Annual FeeSee Terms*
Sun 17 Oct 2021
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $75/$99
Credit Recommended Bad/Fair
Regular Purchase APR 23.99% Variable
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 23.99% Variable |
| Annual Fee | $75 - $99 |
| Credit Recommended | Bad/Fair |
| Cash Advance APR | 23.99% Variable |
| Cash Advance Fee | $5.00/8%, whichever is greater (see terms) |
| Cash Grace Period | 0 days for cash advances |
| Late Payment Fee | Up to $39 (terms apply) |
| Overlimit Fee | N/A |
| Return Check Fee | Up to $39 (terms apply) |
| Foreign Trans Fee | 3% or $1.00, whichever is greater |
| Balance Transfer Fee | N/A |
See if you are pre-approved within minutes, without affecting your credit score
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $0-$72
Credit Recommended See website for Details*
Regular Purchase APR 19.45% to 28.45% *Variable
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 19.45% to 28.45% *Variable |
| Annual Fee | $0-$72 |
| Credit Recommended | See website for Details* |
| Cash Advance APR | 24.95% to 33.45% Variable |
| Cash Advance Fee | 4%, Min: $10 |
| Cash Grace Period | n/a |
| Late Payment Fee | Up to $40 |
| Overlimit Fee | n/a |
| Return Check Fee | Up to $40 |
| Foreign Trans Fee | See Terms* |
| Balance Transfer Fee | n/a |
Fill out an application and know in 60 seconds if you’re approved!
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Issuer Website
Credit Recommended Fair/Poor
Regular Purchase APR See Issuer Website
Full Details Card Page
*Build credit by keeping your balance low and paying all your bills on time every month.
*Build credit by keeping your balance low and paying all your bills on time every month.
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Issuer Website |
| Annual Fee | See Issuer Website |
| Credit Recommended | Fair/Poor |
| Cash Advance APR | See Issuer Website |
| Cash Advance Fee | See Issuer Website |
| Cash Grace Period | n/a |
| Late Payment Fee | See Issuer Website |
| Overlimit Fee | n/a |
| Return Check Fee | See Issuer Website |
| Foreign Trans Fee | See Issuer Website |
| Balance Transfer Fee | n/a |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $39
Credit Recommended Bad/Fair/Good
Regular Purchase APR 23.99% Variable
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 23.99% Variable |
| Annual Fee | $39 |
| Credit Recommended | Bad/Fair/Good |
| Cash Advance APR | 23.99% Variable |
| Cash Advance Fee | $5/8%, whichever is greater (see terms) |
| Cash Grace Period | 0 days for Cash Advances |
| Late Payment Fee | Up to $39 (terms apply) |
| Overlimit Fee | N/A |
| Return Check Fee | Up to $39 (terms apply) |
| Foreign Trans Fee | 3% or $1.00, whichever is greater |
| Balance Transfer Fee | N/A |
$500-$5,000 credit limits
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee 0.00
Credit Recommended Fair/Bad/Limited/No Credit
Regular Purchase APR 19.99 - 29.49% Variable
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 19.99 - 29.49% Variable |
| Annual Fee | 0.00 |
| Credit Recommended | Fair/Bad/Limited/No Credit |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | Late fees up to $29 for first late payment, $40 for second late payment. |
| Overlimit Fee | n/a |
| Return Check Fee | Bounced payment fee up to $29. |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Unsecured credit card, no security deposit required
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $0 - $99
Credit Recommended Fair/Good
Regular Purchase APR 24.9%
Full Details Card Page
| 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 | Up to $40.00 |
| Overlimit Fee | Up to $40.00 |
| Return Check Fee | Up to $40.00 |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Initial Credit Limit of $300 - $1,000* (subject to available credit)
Intro Purchase APR See Terms*
Intro Balance Transfer APR n/a
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad Credit
Regular Purchase APR 24.99% - 29.99% APR
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 25.90% - 29.99% APR |
| 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 |
| Overlimit Fee | |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Instant decision on your application
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $59.00
Credit Recommended Fair
Regular Purchase APR 29.99% (Variable)
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 29.99% (Variable) |
| Annual Fee | $59.00 |
| Credit Recommended | Fair |
| Cash Advance APR | 29.99% (Variable) |
| Cash Advance Fee | The greater of $10 or 3% of each cash advance |
| Cash Grace Period | n/a |
| Late Payment Fee | Up to $35 |
| Overlimit Fee | n/a |
| Return Check Fee | n/a |
| Foreign Trans Fee | If the transaction occurs at a merchant outside of the U.S., the fee is 3% of the U.S. dollar amount of the transaction, regardless of whether a currency conversion is performed at the time of the transaction. |
| Balance Transfer Fee | n/a |
Initial Credit Limit of $300 - $1,000* (subject to available credit)
Intro Purchase APR N/A
Intro Balance Transfer APR n/a
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad
Regular Purchase APR 24.99% - 29.99% APR
Full Details Card Page
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!
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!
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 24.99% - 29.99% APR |
| 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 |
| Overlimit Fee | |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
All the benefits of a Mastercard, without a security deposit
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $59-$99
Credit Recommended Poor to Good
Regular Purchase APR 24.9%
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 24.9% |
| Annual Fee | $59-$99 |
| Credit Recommended | Poor to Good |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | n/a |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Fast & Easy Application; Results Online in Seconds
Intro Purchase APR See Terms*
Intro Balance Transfer APR n/a
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad Credit
Regular Purchase APR See Terms*
Full Details Card Page
| 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* |
| Overlimit Fee | |
| Return Check Fee | See Terms* |
| Foreign Trans Fee | See Terms* |
| Balance Transfer Fee | See Terms* |
Fast and easy application process; response provided in seconds
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Terms*
Credit Recommended Fair/Bad Credit
Regular Purchase APR See Terms*
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Terms* |
| Annual Fee | See Terms* |
| Credit Recommended | Fair/Bad Credit |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Fill out an application and know in 60 seconds if you’re approved!
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Issuer Website
Credit Recommended Fair/Poor
Regular Purchase APR See Issuer Website
Full Details Card Page
*Build credit by keeping your balance low and paying all your bills on time every month.
*Build credit by keeping your balance low and paying all your bills on time every month.
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | See Issuer Website |
| Annual Fee | See Issuer Website |
| Credit Recommended | Fair/Poor |
| Cash Advance APR | See Issuer Website |
| Cash Advance Fee | See Issuer Website |
| Cash Grace Period | n/a |
| Late Payment Fee | See Issuer Website |
| Overlimit Fee | n/a |
| Return Check Fee | See Issuer Website |
| Foreign Trans Fee | See Issuer Website |
| Balance Transfer Fee | n/a |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $35 - $99*
Credit Recommended Fair/Good Credit
Regular Purchase APR 24.9%
Full Details Card Page
| 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 | Up to $40.00 |
| Overlimit Fee | Up to $40.00 |
| Return Check Fee | Up to $40.00 |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $0 - $99
Credit Recommended Fair/Good
Regular Purchase APR 24.9%
Full Details Card Page
| 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 | Up to $40.00 |
| Overlimit Fee | Up to $40.00 |
| Return Check Fee | Up to $40.00 |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
Instant Approval / $750 Credit Line!
Intro Purchase APR 0.00%
Intro Balance Transfer APR N/A
Annual Fee See website for Details*
Credit Recommended Fair to Damaged
Regular Purchase APR 0.00%
Full Details Card Page
Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line could be available to you faster than you ever thought possible.
The Net First Platinum card could be the perfect card for you.
*See Terms & Conditions for Details
Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line could be available to you faster than you ever thought possible.
The Net First Platinum card could be the perfect card for you.
*See Terms & Conditions for Details
| Intro (Purchases) | 0.00% |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 0.00% |
| Annual Fee | See website for Details* |
| Credit Recommended | Fair to Damaged |
| Cash Advance APR | n/a |
| Cash Advance Fee | n/a |
| Cash Grace Period | n/a |
| Late Payment Fee | n/a |
| Overlimit Fee | |
| Return Check Fee | n/a |
| Foreign Trans Fee | n/a |
| Balance Transfer Fee | n/a |
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).
