Credit Card Applications for Fair Credit
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Fair Credit
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Your credit isn't great, but it isn't terrible either. You've had your ups and downs and missed a payment here and there. Can you still be eligible for a card that offers perks like good interest and rewards? The answer is - “Yes! You can still be eligible for cards with advantageous terms.” Some cards offer cash back rewards, even for people without the very best credit history. You can get 1% cash back on purchases and watch your savings climb. Look for a card that offers a reasonable annual fee and interest rate for people with fair credit history. Let Credit-Land.com show you the options out there for people with fair credit.
Average / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| 0% (until March 2014) | 19.8% (V) | $39 | See terms | Yes | No |
- 0% intro APR on purchases until March 2014.
- $0 Fraud Liability if your card is lost or stolen.
- Enjoy MasterCard benefits, including 24-hour roadside assistance and extended warranty protection.
- Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own.
- Customize card with your favorite pictures.
- No foreign transaction fees.
- Annual fee.
Average / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| 0% (until March 2014) | 19.8% (V) | $39 | See terms | Yes | No |
- 50% bonus on the cash back you earn every year.
- 1% cash back on all purchases.
- Earn unlimited cash back that doesn´t expire.
- Redeem cash back anytime for any amount, even set automatic redemptions.
- Personalize your card with an image of your choice.
- 0% intro APR on purchases until March 2014.
- Cash rewards never expire.
- Awesome 50% Bonus on Cash Back earned.
- Has an Annual Fee.
Fair / Poor Credit
Required FICO score for this card: 620 to 659
You can apply if: you have black spots on your credit history - missed payments, bankruptcy, foreclosure, maxed-out cards, or defaults.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| n/a | See website* | See website* | See website* | Yes | Yes |
- Checking Account Required.
- Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit).
- Reports to the major Consumer Reporting Agencies.
- Easy Application process!
- Bad Credit? Good Option!
- Apply for your next credit card account with First PREMIER Bank.
- A new kind of credit card.
- Timely payments and remaining below your credit limit with all your creditors may help you build a positive credit history.
- Checking Account Required.
- Reports to the major Consumer Reporting Agencies.
Fair / Poor Credit
Required FICO score for this card: 620 to 659
You can apply if: you have black spots on your credit history - missed payments, bankruptcy, foreclosure, maxed-out cards, or defaults.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| n/a | See website* | See website* | See website* | Yes | Yes |
- Checking account required.
- If you have less-than-perfect credit, we may approve you when others won´t.
- We provide responses in 60 seconds or less.
- Monthly reporting to the major Consumer Reporting Agencies.
- If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit).
- No security deposit required.
- Access your credit account by phone 24/7 all year round.
- Checking account required.
- If you have less-than-perfect credit, we may approve you when others won´t.
Average / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| n/a | 24.9% (V) | $0 intro for first year; $19 after that | See terms | Yes | No |
- $0 intro annual fee for the first year; $19 after that.
- Image Card - personalize your card with an image of your choice.
- $0 Fraud Liability if your card is lost or stolen.
- Monitor your spending with text message alerts.
- Annual fee is waived for the first year.
- People with average credit can be approved.
- Chat online with customer service during application process.
- No 0% promotional periods.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| See terms | Various Rates | See terms | See terms | Yes | Yes |
- Click "APPLY HERE" to find card offers.
- See cards with features you want, like low intro rates, unlimited cash back or miles rewards, and more.
- Find the right card without affecting your credit score.
- Get your results in less than a minute.
- 24/7 account access.
- $0 Fraud Liability if your card is lost or stolen.
- Personalize your card with an image of your choice.
- Choose rewards program you prefer.
- No risk to your credit score.
- Get result in 60 seconds.
Fair / Poor Credit
Required FICO score for this card: 620 to 659
You can apply if: you have black spots on your credit history - missed payments, bankruptcy, foreclosure, maxed-out cards, or defaults.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| n/a | See website* | See website* | See website* | Yes | Yes |
- Checking Account Required.
- A good choice for those with less than perfect credit.
- This is a credit card, not a debit card or prepaid card.
- Countdown to your response! Only 60 seconds!
- Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit).
- Monthly reporting to major Consumer Reporting Agencies. Apply now!
- No security deposit required.
- Checking Account Required.
- A good choice for those with less than perfect credit.
- This is a credit card, not a debit card or prepaid card.
Fair / Poor Credit
Required FICO score for this card: 620 to 659
You can apply if: you have black spots on your credit history - missed payments, bankruptcy, foreclosure, maxed-out cards, or defaults.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| n/a | See website* | See website* | See website* | Yes | Yes |
- Must have checking account to qualify.
- A Gold credit card offer for those with less than perfect credit.
- Responsible account management (making timely monthly payments with all creditors and keeping balances within the limits) may help rebuild credit history.
- Reports your credit history to the major Consumer Reporting Agencies.
- Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit).
- Must have checking account to qualify
- A Gold credit card offer for those with less than perfect credit.
Bad Credit
Required FICO score for this card: 350 to 619
You can apply if: you regularly miss or skip payments and max out your credit balance; you have more than one foreclosure, repossession, or a bankruptcy declared.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| n/a | 24.90% | $0 | See website | Yes | Yes |
- Affordable Monthly Payments.69
- No Annual Fee.68
- No Over Limit Fee.68
- Get Response in 60 seconds.
- No down payments, no layaway and no surprises.
- We often say "YES!" when others say "No".
- No annual fee.
- Quick approval.
- Good for people with less than perfect credit.
- High APR.
Average / Limited
You can apply if: you own credit card or other credit for less than 3 years or you have defaulted on a loan in the past 5 years.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| n/a | 24.9% (V) | $0 | See terms | Yes | No |
- A card designed to help those new to the U.S. establish credit and earn cash back.
- Build credit with responsible use -- plus automatic reporting to the three major credit bureaus.
- Get 2% cash back on travel purchases.
- Earn 1% cash back on all other purchases.
- No foreign transaction fees.
- No annual fee.
- Get 2% cash back on travel purchases.
- No foreign transaction fees.
- High purchase APR.
Making Strides with Fair Credit
When used wisely, by making on time payments and keeping account balances below their credit limits, cards for fair credit may help you boost your FICO score. Knowing what to expect from these cards and using their terms to your advantage may help you graduate from a fair credit rating to an excellent one, but you must be diligent and patient because previous mistakes take time to correct. It may take several years of prompt payments to restore your good credit.
Here is a rundown of what you need to know about using and applying for credit cards for fair credit:
Interest Rate
Credit cards designed for people with fair credit may carry high interest rates. Your best bet is to avoid carrying a balance on the card for any extended amount of time.
Additional Fees
Credit cards for fair credit sometimes come with higher fees than other cards. These fees can include one-time processing fees, so keep an eye out for those charges when evaluating an offer.
Rewards For Fair Credit
Some credit cards in this category offer rewards that include cash back on travel and other purchases. Since rewards cards for fair credit tend to have higher-than-average interest rates, it pays to be careful.
From Fair to Good Credit
Pay on Time: 35% of your credit score is based on your payment history. Never miss a payment deadline.
Keep Low Balances: 30% of your score is your "credit utilization ratio", which compares your total available credit to the amount of credit you have used. The lower your ratio, the higher your score will be.
Keep Cards Open: 15% of your credit score is the average duration of your accounts, with emphasis on length. The amount of new credit, and the number of types of credit make for 10% each.
Our Experts about Fair Credit Cards
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** FICO scores/credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit product.
* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply" button, you can review the credit card terms & conditions on the credit card issuer´s website.
68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.