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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® 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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    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
    • 0% Introductory APR for 15 months on purchases and balance transfers
    • Free Monthly FICO® Score and Credit Dashboard
    • 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 November 2016; 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 November 2016
    Intro APR Period
    0%
    Intro APR
    until November 2016
    Intro APR Period
    23.24% (Variable)
    $39
    Fair Credit
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    Barclaycard Rewards MasterCard®
    • 2X points on purchases for gas, groceries and utilities, and 1X points on all other purchases
    • No annual fee
    • Points don't expire as long as account is open, active and in good standing
    • No limits on the number of points you can earn or redeem
    • Starting at 1,000 points for $10, points can be redeemed for statement credits and gift cards
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • $0 Fraud Liability on unauthorized charges
    • 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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    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
    • 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
    24.99% (Variable)
    $0
    Fair Credit
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    Credit One Bank® Platinum Visa® Rewards Card
    • Get Pre-Qualified without harming your credit score
    • 1% cash back on gas & groceries, terms apply
    • This is a fully unsecured credit card with no deposit requirement
    • Pick your payment due date to fit your schedule
    • 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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    Credit One® Rewards 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.
    • 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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    Milestone® Gold MasterCard®
    • Quick pre-qualification available with no impact to your credit score
    • Fast and easy instant decision
    • Choose your custom card design - Free
    • Free online account access
    • Zero Liability — you'll never be held liable for unauthorized charges made to your card
    • 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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    Credit One Bank® Platinum Visa®
    • Automatic reviews for credit line increase opportunities
    • Get Pre-Qualified without harming your credit score
    • Zero fraud liability protects you from unauthorized charges
    • Free online monthly credit score tracking included
    • Pick your payment due date to fit your schedule
    • 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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    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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    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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    Indigo® Platinum MasterCard®
    • Choose your card design - Free
    • Pre-qualification available with no impact to your credit score
    • Previous bankruptcy OK
    • Fast and easy instant decision
    • Free online account access (mobile friendly)
    • Zero Liability - you'll never be held liable for unauthorized charges made to your card
    • 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 - $35
    Fair Credit
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    First PREMIER® Bank MasterCard® Credit Card
    • Checking Account Required
    • 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).
    • Reports to the major Consumer Reporting Agencies.
    • Easy Application process!
    • Pay no interest on purchases by paying your balance in full each month
    • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit).
    • Trying to rebuild your credit history? It may be possible if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.
    • Top 20 Issuer of MasterCard Credit Cards
    • 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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    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 December 2016, 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 December 2016
    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 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)
    • Monthly reporting to the major Consumer Reporting Agencies.
    • Issued by FDIC-insured First PREMIER® Bank.
    • Trying to rebuild your credit history? You may if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.
    • Top 20 Issuer of MasterCard Credit Cards
    • 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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    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
    29.99% (Fixed)
    $75.00 for the first year, $48 annually after that
    Fair/Bad Credit
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    Rakuten Rewards MasterCard®
    • Up to 7,000 Rakuten SuperPoints™ (a $70 value)**
    • Earn 3 Rakuten Super Points™ for every qualifying $1 spent on Rakuten.com**.
    • Earn 1 Rakuten Super Points™ for every $1 spent everywhere else**.
    • Please see the Summary of Credit Terms for important information on rates, fees, costs, conditions and limitations.
    • 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
    16.24% - 23.24% Variable*
    $0‡
    Good/Excellent
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    The First Access VISA® Credit Card
    • Get the security and convenience of a full-feature, unsecured VISA® Credit Card — accepted at millions of merchant and ATM locations nationwide and online
    • Reporting monthly to all three major credit reporting agencies
    • Perfect credit not required for approval; we may approve you when others won't
    • Easy and secure online application; checking account required.
    • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
    • Receive your card more quickly with optional Expedited Processing (additional fee applies)
    • Get a result in as little as 60 seconds upon completion of the online application
    • Online Customer Center available 24 x 7
    • 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
    29.99%
    $75.00 for first year After that, $48.00 annually.
    Bad Credit
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    UNITY® Visa Secured Credit Card - The Comeback Card™
    • Limited Time Offer: New cardmembers get a $25 rebate* - To be eligible, applications must be submitted between 1/15/16 - 3/31/16 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
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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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    Discover it® for Students
    • We'll double all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202—Automatically. Only for new cardmembers.*
    • 5% cash back in categories that change each quarter like gas, restaurants, home improvement stores and more—up to the quarterly maximum when you sign up.* 1% cash back 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.*
    • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
    • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
    • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
    • 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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    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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    Discover it® chrome for Students
    • We'll double all the cash back you've earned at the end of your first year. So if you earned $101 cash back, we'll double it to $202—Automatically. Only for new cardmembers.*
    • 2% cash back at restaurants and gas stations on up to $1,000 in combined purchases every quarter—no signups 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.*
    • Freeze It℠ on/off switch lets you prevent new purchases, cash advances & balance transfers on misplaced cards in seconds by mobile app & online.* Plus get 100% U.S.-based service.
    • 0% intro APR* on purchases for 6 months, then the standard variable purchase APR of 13.24% - 22.24%.
    • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
    • 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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* 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.

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