Credit Cards»Credit Cards for Fair Credit

Credit Cards for Fair Credit

Don't fret if your credit score is less than perfect -- there are still plenty of great cards for you. Credit cards for fair credit are designed with your needs in mind. Some offer cash back and generous introductory APRs. Others offer no annual fee or no annual fee for the first year. The regular APR is typically higher on these cards, but the perks can still be generous. Compare credit-card offers for fair credit and apply for one that's best for your situation.

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    Capital One® Platinum Credit Card
    • Pay no annual fee
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is lost or stolen
    • Use online banking to access your account, even from your smartphone with our mobile app
    • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
    • Get access to your account 24 hours a day, 7 days a week
    • Help strengthen your credit for the future with responsible card use
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    24.99% (Variable)
    $0
    Fair Credit
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    Chase Slate®
    • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
    • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • Monthly FICO® Score and Credit Dashboard for free
    • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
    • $0 Annual Fee
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    15 months
    Intro APR Period
    0%
    Intro APR
    15 months
    Intro APR Period
    13.24%-23.24% Variable
    $0
    Average-Excellent
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    Capital One® QuicksilverOne® Cash Rewards Credit Card
    • Earn unlimited 1.5% cash back on every purchase, every day
    • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
    • 0% intro APR on purchases until February 2017; 23.24% variable APR after that
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Fraud coverage if your card is ever lost or stolen
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    until February 2017
    Intro APR Period
    0%
    Intro APR
    until February 2017
    Intro APR Period
    23.24% (Variable)
    $39
    Fair Credit
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    Capital One® Card Finder Tool
    • Find card offers you may be eligible for without affecting your credit score
    • Get matched to features you want like low intro rates, cash back or miles, and more
    • See your card matches in less than 60 seconds
    • Find a card for where you are to help you prepare for what's ahead
    • All Capital One cards come with fraud coverage if your card is lost or stolen
    • 24/7 account access including mobile app for fast and easy account management - right from your smartphone
    • Pick the monthly payment due date that works best for you
    • Pay the way you want - by check, online, or at a local branch
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    See Terms
    Intro APR
    See Terms
    Intro APR Period
    See Terms
    Intro APR
    See Terms
    Intro APR Period
    Various Rates
    See Terms
    N/A
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    Barclaycard Rewards MasterCard®
    • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
    • No annual fee
    • Points don't expire as long as account is open, active and in good standing
    • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
    • No limit on the number of points you can earn or redeem
    • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
    • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    25.24%* Variable
    $0
    Fair Credit
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    Credit One® Platinum Visa® Cash Back Rewards Credit Card
    • 1% cash back on gas & groceries, terms apply
    • See if you Pre-Qualify without harming your credit score
    • This is a fully unsecured credit card with no deposit requirement
    • Flexible payment date to assist you in making your payments on time
    • Automatic reviews for credit line increase opportunities
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    15.65% - 24.15% Variable
    $0 - $99
    Fair Credit
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    First PREMIER® Bank MasterCard® Credit Card
    • Checking Account Required
    • Reports to the major Consumer Reporting Agencies.
    • Easy Application process!
    • All credit types welcome to apply!
    • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit).
    • Know the score! Quarterly FICO score on your monthly billing statements
    • Top 20 Issuer of MasterCard Credit Cards
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    See Issuer Website
    See Issuer Website
    Fair/Bad Credit
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    Credit One® Platinum Visa® Credit Card
    • Automatic reviews for credit line increase opportunities
    • See if you Pre-Qualify without harming your credit score
    • Zero fraud liability protects you from unauthorized charges
    • Free online monthly credit score tracking included
    • Flexible payment date to assist you in making your payments on time
    • Choose your card design from our premium gallery, a fee may apply
    • Earn 1% cash back on gas and grocery purchases, terms apply
    • Rewards post to your account automatically each month
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    15.65% - 24.15% Variable
    $0 - $99
    Fair Credit
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    Credit One® Rewards Credit Card
    • Credit One automatically monitors every account for credit line increase opportunities. We'll let you know as soon as you're eligible for additional credit.
    • See if you're Pre-Qualified without harming your credit score. In less than 60 seconds, find the card that's right for you.
    • Earn 1% cash back on gas and grocery purchases. Terms apply.
    • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account will be reported monthly to all three major credit bureaus.
    • Zero fraud liability protects you from unauthorized charges.
    • Set up custom email or text alerts, so you'll always be aware of your payment due date, when your payment posts, or if your available balance runs low.
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    15.65% - 24.15% Variable
    $0 - $99
    Fair Credit
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    L Card Preferred
    • Build your credit history with on time payments, which are reported to the major credit bureaus
    • No security deposit required
    • Transparent terms and conditions - all upfront, before you even apply
    • Pay no interest on purchases by paying your balance in full each month
    • No over-the-limit fees
    • All the coverage of Visa - accepted globally and zero liability fraud coverage
    • Free credit education to help you use credit responsibly
    • The L Card is issued by Beneficial State Bank, pursuant to a license from Visa U.S.A. Inc. This card is subject to the Cardholder Agreement.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    Ongoing 19.99% Variable
    $36
    Fair Credit
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    Discover it® Cashback Match™
    or call
    800-628-1537
    • You could turn $200 into $400 with Cashback Match™. We'll automatically match all the cash back you earn at the end of your first year. New cardmembers only.
    • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
    • Redeem your cash back for any amount, any time. Cash rewards never expire.
    • 100% U.S. based customer service.
    • FICO® Credit Scores for free on statements and online.
    • No annual fee
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    12 months
    Intro APR Period
    0%
    Intro APR
    12 months
    Intro APR Period
    11.24% - 23.24% Variable
    $0
    Excellent/Good
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    Journey® Student Rewards from Capital One®
    • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
    • There's no limit to the amount of cash back you can earn, and rewards don't expire
    • Get access to a higher credit line after making your first 5 monthly payments on time
    • Pay no annual or foreign transaction fees
    • Fraud coverage if your card is lost or stolen
    • Pick the monthly due date that works best for you
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    20.24% (Variable)
    $0
    Fair Credit
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    Milestone® Gold MasterCard®
    • Quick pre-qualification available with no impact to your credit score
    • Easy pre-qualification process with fast response
    • Choose your custom card design - Free
    • Free online account access
    • Protection from fraud, if your card happens to be lost or stolen
    • Accepted at over 35 Million Locations Worldwide!
    • Previous bankruptcy OK
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    23.90% (Fixed)
    $35-$99 (varies by credit level)
    Good/Fair
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    Indigo® Platinum MasterCard®
    • Pre-qualification available with no impact to your credit score
    • Previous bankruptcy OK
    • Easy pre-qualification process with fast response
    • Free online account access (mobile friendly)
    • Protection from fraud, if your card happens to be lost or stolen
    • Accepted at over 35 Million Locations Worldwide!
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    23.90% (Fixed)
    $0 - $99
    Fair Credit
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    Matrix MasterCard® Credit Card
    • Bad Credit, good Credit, and no Credit. Get yours today!
    • Initial Credit Limit of $500.00!* (subject to available credit)
    • Fast and easy application process; results are provided online!
    • Monthly reporting to the 3 major credit bureaus
    • Use your card at locations everywhere that MasterCard® is accepted
    • Free online account access 24/7
    • Checking Account Required
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    See Terms*
    See Terms*
    Bad/Fair
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    Surge MasterCard® Credit Card
    • Initial Credit Limit of $500.00* (subject to available credit)
    • Monthly reporting to the three major credit bureaus
    • All credit types welcome to apply!
    • 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
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    See Terms
    See Terms
    Bad Credit
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    PlayStation® Card from Capital One®
    • Earn 5,000 bonus points after your first purchase in the first 90 days
    • 10 points per $1 spent on all PlayStation® Store purchases
    • 3 points per $1 spent on PlayStation® and Sony® purchases at authorized retailers, with purchase confirmation
    • 3 points per $1 spent on fast food restaurants, movie theatres, & your mobile phone bill
    • 1 point per $1 spent on all other purchases
    • Redeem for Sony products, movies, music, & more
    • 0% intro APR on purchases until March 2017, 14.24% - 24.99% variable APR after that
    • No annual fee
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    until March 2017
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    14.24% - 24.99% (Variable)
    $0
    Good Credit
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    First PREMIER® Bank Classic Credit Card
    • Checking Account Required
    • Unlike some other issuers, we may approve those currently building their credit history.
    • Previous bankruptcy OK
    • Offers those with below average credit a second chance for a credit card
    • Perfect credit not required
    • Quarterly FICO score on your monthly billing statement
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    See Issuer Website
    See Issuer Website
    Fair/Bad Credit
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    PREMIER Forward® MasterCard® Credit Card
    • Must have checking account to qualify
    • Apply today, and if approved, pay a Processing Fee and you could begin enjoying a manageable credit limit (subject to available credit, additional fees and charges)
    • Acceptance at millions of locations worldwide (subject to available credit)
    • Credit card responses in 60 seconds or less
    • Optional Payment Protection Available
    • No security deposit required
    • Know the score! Quarterly FICO score on your monthly billing statements
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    See Issuer Website
    See Issuer Website
    Fair/Bad Credit
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    Best Western Rewards® MasterCard®
    • Earn a free night's stay with your bonus points
    • Get up to 20,000 Best Western Rewards® points: 10,000 bonus points with $1000 spent in the first 3 billing cycles, 10,000 bonus points with $3000 spent in the first 6 billing cycles
    • Earn 13 points per dollar spent at Best Western branded hotels (10 points/$1 as Best Western Rewards member, 3 points/$1 for using your Best Western Rewards® MasterCard®)
    • 0% intro APR for the first 6 billing cycles on purchases and balance transfers. After that, depending on how you meet our credit criteria, the variable APR will be 16.24% to 23.24%, based on the prime rate.
    • No Annual Fee
    • Enjoy automatic Gold Elite Status with your Best Western Rewards® MasterCard®
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      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    6 months
    Intro APR Period
    0%
    Intro APR
    6 months
    Intro APR Period
    16.24%-23.24% Variable
    $0
    Good Credit
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    USAA Classic American Express®
    • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received an discharge type of Honorable, and their eligible family members.
    • This credit card is best for members with average credit.
    • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
    • USAA will periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
    • Special rates are available for military members during deployment or PCS. See terms for additional information.
    • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    18.15%-24.15% (Variable)
    $35
    Fair Credit
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    USAA Classic Platinum Visa®
    • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received an discharge type of Honorable, and their eligible family members.
    • This credit card is best for members with average credit.
    • Make consistent, on-time payments and you could improve your credit rating — sometimes in as little as 12 months.
    • USAA will periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
    • Special rates are available for military members during deployment or PCS. See terms for additional information.
    • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    18.15%-24.15% (Variable)
    $35
    Fair Credit
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    Total VISA® Unsecured Credit Card
    • Checking Account Required
    • Fast and easy application process; response provided in seconds
    • A genuine VISA card accepted by merchants nationwide across the USA and online
    • Manageable monthly payments
    • If approved, simply pay a Processing Fee to open your account and access your available credit
    • Reports monthly to all three major credit bureaus
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    See Terms*
    See Terms*
    Bad/Fair
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    The First Access VISA® Credit Card
    • Access credit even if you have poor or limited credit history
    • Quick and Easy Secure Online Application
    • A genuine VISA card accepted by merchants nationwide
    • Get a response in as little as 60 seconds!
    • Reporting to 3 major credit bureaus
    • Apply today! If approved Access your credit after paying a one-time processing fee.
    • Reports monthly to all three major credit bureaus
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    See Terms*
    See Terms*
    Fair/Bad Credit
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    Discover it® chrome for Students
    • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
    • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no sign-ups needed. 1% cash back on all your other purchases.
    • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
    • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.
    • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online. Plus get 100% U.S. based customer service
    • Freeze It℠ on/off switch for your account that lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    6 months
    Intro APR Period
    10.99%
    Intro APR
    6 months
    Intro APR Period
    13.24% - 22.24% Variable
    $0
    Fair Credit
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    Discover it® for Students
    • Discover matches all the cash back you've earned at the end of your first year - automatically. Only for new cardmembers.
    • Earn 5% cash back in new bonus categories like gas, restaurants, Amazon and more - up to $1500 every quarter you activate. Plus, unlimited 1% cashback on all other purchases.
    • Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.
    • No annual fee. No overlimit fee. No foreign transaction fee. No late fee on first late payment & paying late won't raise your APR.
    • Track your recent FICO® Credit Scores for free in one easy-to-read chart on monthly statements & online. Plus get 100% U.S. based customer service
    • Freeze It℠ on/off switch for your account that lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.
    • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    6 months
    Intro APR Period
    10.99%
    Intro APR
    6 months
    Intro APR Period
    13.24%-22.24% Variable
    $0
    Fair Credit
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    UNITY® Visa Secured Credit Card
    • Limited Time Offer: New cardmembers get a $25 rebate* - To be eligible, applications must be submitted between now through 6/30/16 and accounts must be in good standing for 90 days after opening.
    • Apply online in less than 5 minutes, and you could be approved today!
    • No Minimum Credit Score required; low interest rate of 17.99%
    • Fully refundable FDIC security deposit* required at time of application; if you have a min of $250 to deposit immediately, you can start now!
    • No application fee or penalty rate
    • Build your credit with monthly reporting to all 3 major credit bureaus
    • 24/7 online access to your account
    • *See the Cardholder Agreement for more details.
    • Show More
      Terms and Restrictions Apply
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    N/A
    Intro APR
    N/A
    Intro APR Period
    9.95%
    Intro APR
    6 months
    Intro APR Period
    17.99% (Fixed)
    $39
    Bad Credit

* See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.