Credit Cards for People with Fair Credit

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Credit Card Applications » Credit Cards for Fair Credit

Credit Card Applications for Fair Credit

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 perfect 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, Fair, Limited Credit
Capital One® Platinum Credit Card
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Key Feature: Pay no annual fee
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR on Bal. Tr.Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
N/AN/A24.99% (Variable)$0See terms$0
Card Details:
  • 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
Our Expert Opinion
  • 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

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Capital One® QuicksilverOne® Cash Rewards Credit Card
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Key Feature: Earn unlimited 1.5% cash back on every purchase, every day
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR on Bal. Tr.Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
N/AN/A24.99% (Variable)$39See terms$0
Card Details:
  • 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 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
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
Our Expert Opinion
  • 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 access to a higher credit line after making your first 5 monthly payments on time

See card details
Fingerhut Credit Account
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Key Feature: No Annual Fee
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR on Bal. Tr.Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
n/an/a25.15%$0See TermsSee Terms
Card Details:
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
Our Expert Opinion
  • No Annual Fees.
  • Low monthly payments.
  • No Over Limit Fees.

  • This Offer is aimed to use exclusively at Fingerhut.com.
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Credit One Bank® Unsecured Visa® - No Deposit Required
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Key Feature: Receive 1% cash back on eligible purchases, terms apply
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR on Bal. Tr.Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
N/AN/A15.90% - 24.40% Variable$0 - $99See termsN/A
Card Details:
  • This unsecured card requires no deposit and can help build your credit
  • Receive opportunities for credit line increases, a fee may apply
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back on eligible purchases, terms apply
  • Choose your monthly payment due date for added convenience, terms apply
  • Monitor your credit with free online access to your credit score
Our Expert Opinion
  • This unsecured card requires no deposit and can help build your credit.
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back on eligible purchases, terms apply

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Credit One Bank® Unsecured Visa® Credit Card
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Key Feature: Receive 1% cash back on eligible purchases, terms apply
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR on Bal. Tr.Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
N/AN/A15.90% - 24.40% Variable$0 - $99See termsN/A
Card Details:
  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date. You’ll also receive free online access to your credit score and credit report summary from Experian.
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically get 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date for added convenience, terms apply.
Our Expert Opinion
  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date. You’ll also receive free online access to your credit score and credit report summary from Experian.
  • See if you're Pre-Qualified in less than 60 seconds.
  • Automatically get 1% cash back on eligible purchases, terms apply.

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Milestone® MasterCard® - Mobile Access to Your Account
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Key Feature: Instant pre-qualification is available for those who qualify
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR on Bal. Tr.Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
N/AN/A23.9%$35 - $99*See TermsN/A
Card Details:
  • Instant pre-qualification is available for those who qualify
  • Don't have perfect credit? No problem!
  • Mobile friendly online access from anywhere
  • Pick from multiple card designs at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Our Expert Opinion
  • Easy pre-qualification.
  • Free custom card design.
  • Free Online Account Access 24/7.

  • No rewards program.
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Credit One Bank® Platinum Visa® for Building Credit
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Key Feature: Receive 1% cash back on eligible purchases, terms apply
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR on Bal. Tr.Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
N/AN/A15.90% - 24.40% Variable$0 - $99See termsN/A
Card Details:
  • See if you Pre-Qualify without harming your credit score.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus.
  • All the features you want in a credit card are included.
  • Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
Our Expert Opinion
  • Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.
  • All the features you want in a credit card are included.
  • See if you Pre-Qualify without harming your credit score.

See card details
Fair/Bad Credit
Total Visa Card
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Key Feature: Reports monthly to all three major credit bureaus
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR on Bal. Tr.Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
N/AN/ASee Terms*See Terms*See Terms*N/A
Card Details:
  • 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
Our Expert Opinion
  • Reports monthly to credit bureaus.
  • Card with instant response.
  • Accepted anywhere across U.S. and online.

  • One-time processing fee applies.
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Credit One Bank® Platinum Credit Card with Rewards
Compare
Key Feature: Receive 1% cash back on eligible purchases, terms apply
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR on Bal. Tr.Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
N/AN/A15.90% - 24.40% Variable$0 - $99See termsN/A
Card Details:
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
Our Expert Opinion
  • Find out if you Pre-Qualify without affecting your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges

See card details
Milestone® MasterCard® with Free Choice of Card Image
Compare
Key Feature: Applying is quick and easy with our fast decision process
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR on Bal. Tr.Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
N/AN/A23.9%$35 - $99*See TermsN/A
Card Details:
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Our Expert Opinion
  • Mobile account access.
  • Free custom card design.
  • Reports to credit bureaus.

  • Has a high annual fee.
See card details

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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