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.
Just complete the short application and find out in 60 seconds if you’re approved.
Fair/Poor
Annual FeeSee Provider Website
Thu 30 Mar 2023
Instant decision on your application
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $0-59
Credit Recommended Fair
Regular Purchase APR 26.99 - 29.99% (Variable)
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 26.99 - 29.99% (Variable) |
| Annual Fee | $0-59 |
| 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 Transaction 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 |
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 | n/a |
| Overlimit Fee | n/a |
| Return Check Fee | n/a |
| Foreign Transaction 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 Transaction Fee | See Terms* |
| Balance Transfer Fee | See Terms* |
Greater access to credit than before - $700 credit limit
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Terms
Credit Recommended Fair/Good
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/Good |
| 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 |
$300 - $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 24.49 - 33.99% Variable
Full Details Card Page
We think it’s about time a credit card company helped people succeed financially. That’s why we’ve used modern technology to design credit card products that help you budget, control your spending, and build credit.
We think it’s about time a credit card company helped people succeed financially. That’s why we’ve used modern technology to design credit card products that help you budget, control your spending, and build credit.
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 24.49 - 33.99% 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 Transaction Fee | n/a |
| Balance Transfer Fee | n/a |
Get matched to credit cards based on your credit profile
Intro Purchase APR See Terms
Intro Balance Transfer APR See Terms
Annual Fee See Terms
Credit Recommended Any Credit History
Regular Purchase APR See Terms
Full Details Card Page
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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| Intro (Purchases) | See Terms |
|---|---|
| Intro (Transfers) | See Terms |
| Regular APR | See Terms |
| Annual Fee | See Terms |
| Credit Recommended | Any Credit History |
| 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 |
Enjoy Unlimited 1-1.5% Cash Back on all Purchases
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $0
Credit Recommended Fair, Good
Regular Purchase APR 26.99 - 29.99% (Variable)
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 26.99 - 29.99% (Variable) |
| Annual Fee | $0 |
| Credit Recommended | Fair, Good |
| Cash Advance APR | See Terms |
| Cash Advance Fee | See Terms |
| Cash Grace Period | n/a |
| Late Payment Fee | See Terms |
| Overlimit Fee | n/a |
| Return Check Fee | n/a |
| Foreign Transaction Fee | See Terms |
| Balance Transfer Fee | n/a |
Up to $1,000 credit limit doubles up to $2,000*
Intro Purchase APR N/A
Intro Balance Transfer APR n/a
Annual Fee See Terms*
Credit Recommended Good/Fair/Bad
Regular Purchase APR See Terms*
Full Details Card Page
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!
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!
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.
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!
* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.
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!
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!
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.
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!
* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.
| 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 |
| Overlimit Fee | |
| Return Check Fee | n/a |
| Foreign Transaction Fee | n/a |
| Balance Transfer Fee | n/a |
Less than perfect credit is okay, even with a prior bankruptcy!
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Terms
Credit Recommended Poor to Good
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 | Poor to Good |
| 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 |
Up to $1,000 credit limit doubles up to $2,000*
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
* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.
* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.
| 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 |
| Overlimit Fee | |
| Return Check Fee | n/a |
| Foreign Transaction Fee | n/a |
| Balance Transfer Fee | n/a |
Up to $1,000 credit limit subject to credit approval
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee As low as $85
Credit Recommended Fair
Regular Purchase APR 29.99% OR 36% (V)
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 29.99% OR 36% (V) |
| Annual Fee | As low as $85 |
| Credit Recommended | Fair |
| 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 after the first year |
With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee As low as $85
Credit Recommended Fair
Regular Purchase APR 29.99% OR 36% (V)
Full Details Card Page
† 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.
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 29.99% OR 36% (V) |
| Annual Fee | As low as $85 |
| Credit Recommended | Fair |
| 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 after the first year |
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee See Terms
Credit Recommended Fair/Bad
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 |
| 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 Transaction Fee | n/a |
| Balance Transfer Fee | n/a |
Fast and easy application process
Intro Purchase APR n/a
Intro Balance Transfer APR n/a
Annual Fee $59
Credit Recommended Fair to Good
Regular Purchase APR 29.49% Variable
Full Details Card Page
| Intro (Purchases) | n/a |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 29.24% Variable |
| Annual Fee | $59 |
| Credit Recommended | Fair to Good |
| Cash Advance APR | 29.49% |
| Cash Advance Fee | 3%, Min: $10 |
| 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 |
$750.00 Line of Credit*
Intro Purchase APR 0.00%
Intro Balance Transfer APR N/A
Annual Fee See website for Details*
Credit Recommended Damaged credit to Fair credit
Regular Purchase APR 0.00%
Full Details Card Page
The Net First Platinum card could be the perfect card for you.
*See Card 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 (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.
The Net First Platinum card could be the perfect card for you.
*See Card 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 (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.
| Intro (Purchases) | 0.00% |
|---|---|
| Intro (Transfers) | n/a |
| Regular APR | 0.00% |
| Annual Fee | See website for Details* |
| Credit Recommended | Damaged credit to Fair 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 Transaction Fee | n/a |
| Balance Transfer Fee | n/a |
TRUSTED PARTNER
Improve Your Credit Scores Instantly for Free
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).
