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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.

  • 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
    • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • 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
    24.9% (Variable)
    $0
    Fair Credit
  • 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
    • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
    • 0% intro APR on purchases until May 2016; 22.9% variable APR after that
    • Balance transfers also have a 0% intro APR until May 2016
    • 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
    • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    until May 2016
    Intro APR Period
    0%
    Intro APR
    until May 2016
    Intro APR Period
    22.9% (Variable)
    $39
    Fair Credit
  • 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
  • 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
  • Barclaycard® Rewards MasterCard®
    • No annual fee
    • 2X cash back rewards on purchases for gas, groceries and utilities
    • 1X cash back rewards on all other purchases
    • Cash back rewards are earned as points which can be redeemed for rewards such as cash back statement credits and gift cards starting at 1,000 points for $10
    • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
    • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
    • Complimentary FICO® Credit Scores as a benefit to active card members.
  • 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
  • Credit One Bank® Credit Card with Gas Rewards
    • Unlimited 1% cash back gas rewards
    • Rewards post to your account automatically each month
    • Get Pre-Qualified without affecting your credit score
    • Automatic reviews for credit line increase opportunities
    • Keep an eye on your credit information with free online monthly credit score tracking
    • Choose your card design from our premium gallery
    • Email or text alerts to remind you when your payment is due
  • 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
    17.90% - 23.90% (Variable)*
    $35-$99
    Fair Credit
  • Credit One Bank® Platinum Card
    • Automatic reviews for credit line increase opportunities
    • Keep an eye on your credit information with free online monthly credit score tracking
    • Get Pre-Qualified without affecting your credit score
    • Choose your card design from our premium gallery
    • Email or text alerts to remind you when your payment is due
    • Unlimited 1% cash back gas rewards
  • 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
    17.90% - 23.90% (Variable)*
    $35-$99
    Fair Credit
  • Journey® Student Rewards from Capital One®
    • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back
    • 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
    • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • 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
    19.8% (Variable)
    $0
    Fair Credit
  • 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
  • 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
  • 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
  • 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
  • Discover it® chrome for Students
    • New! Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
    • 2% cash back on up to $1,000 in combined purchases at restaurants and gas stations every quarter—no sign-ups needed.* 1% cash back on all your other purchases.
    • 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.*
    • New 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 12.99% - 21.99%.
    • New! Double all the cash back you've earned at the end of your first year, automatically—only for new cardmembers.*
    • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
  • 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
    12.99% - 21.99% Variable*
    $0
    Fair Credit
  • Applied Bank® Visa® Business Credit Card
    • Turn Your Hobby or Interest into a Business
    • Bad Credit? No Problem! Easy Approval. Complete Your Application in Less Than 60 Seconds.
    • Separate Your Business Expenses for Tax Purposes
    • Perfect for Sole Proprietors and Entrepreneurs
    • No Security Deposit Required
    • Just Starting Your Business? Let Us Help You Grow!
  • 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
    23.99%
    See Terms*
    Fair / Bad Credit
  • 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.
  • 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 website*
    See website*
    Fair/Bad Credit*
  • Discover it® for Students
    • New! Good Grades Rewards: $20 cash back each school year your GPA is 3.0 or higher for up to the next 5 years.*
    • 5% cash back in categories that change each quarter like gas, restaurants, Amazon.com and more—up to the quarterly maximum when you sign up.* 1% cash back on all other purchases.
    • 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.*
    • New 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 12.99% - 21.99%.
    • New! Double all the cash back you've earned at the end of your first year, automatically—only for new cardmembers.*
    • Click "Apply Now". *See rates, rewards, FICO® Credit Score terms & other information.
  • 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
    12.99%-21.99% Variable*
    $0
    Fair Credit
  • 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 Sony Store and store.sony.com
    • 3 points per $1 spent on quick service 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 June 2016, 13.9% - 24.9% variable APR after that
    • No annual fee
  • Purchases Balance Transfer Regular APR Annual Fee Credit Needed
    0%
    Intro APR
    until June 2016
    Intro APR Period
    N/A
    Intro APR
    N/A
    Intro APR Period
    13.9% - 24.9% (Variable)
    $0
    Good Credit
  • 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.
  • 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 website*
    See website*
    Fair/Bad Credit*
  • USAA Classic American Express®
    • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, 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.
  • 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
    17.90%-23.90% (Variable)
    $35
    Fair Credit
  • 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
  • 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
  • USAA Classic Platinum Visa®
    • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, 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.
  • 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
    17.90%-23.90% (Variable)
    $35
    Fair Credit
  • USAA Classic Platinum MasterCard®
    • USAA Bank products are only available to military members, veterans who have received an Honorable discharge, 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.
  • 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
    17.90%-23.90% (Variable)
    $35
    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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