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 low interest and rewards? The answer is - Yes! With a FICO score starting from 660 – 670 and better, you can still be eligible for cards on 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, Fair, Limited Credit
Capital One® Platinum Credit Card
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Key Feature: Get access to a higher credit line after making your first 5 monthly payments on time
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

See card details
Fair/Bad Credit
Surge Mastercard®
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Key Feature: Monthly reporting to the 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* N/AN/A
Card Details:
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • 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.
Our Expert Opinion
  • For all credit types.
  • Monthly reporting to credit bureaus.
  • High initial credit limit.

  • High interest rate.
  • High annual fee.
See card details
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
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account 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
  • Use your QuicksilverOne card and get 50% back as a statement credit on your monthly Spotify Premium subscription, now through April 2018
  • No rotating categories or sign-ups needed to earn cash rewards; plus, cash back won't expire for the life of the account and there's no limit to how much you can earn

See card details
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/A16.99% - 24.99% 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
  • Free online access to credit score and credit report summary from Experian.
  • Fast pre-qualification.
  • 1% cash back on eligible purchases, terms apply.

  • Annual fee between $0 and $99.
See card details
Fair / Good Credit
Milestone Gold MasterCard®
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Key Feature: Our application is quick and easy with instant pre-qualification available
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 Terms N/A
Card Details:
  • Our application is quick and easy with instant pre-qualification available
  • All credit histories considered
  • Access your account online or from your mobile device 24/7
  • Choice of card image at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
Our Expert Opinion
  • Choose Your Custom Card Design- Free.
  • Free 24/7 Account Access & Bill Pay.
  • MasterCard Gold Benefits.

  • Has a high annual fee.
See card details
Fair/Bad Credit
First Access Visa
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Key Feature: Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
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:
  • 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
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • 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
  • Issued by Mid America Bank & Trust Company, Member: FDIC
Our Expert Opinion
  • Full-feature Visa credit card.
  • Get response in a minute.
  • Good for people with poor credit.

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 Terms N/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
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/A16.99% - 24.99% 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
  • Pre-Qualify without affecting your credit score.
  • Get 1% cash back on eligible purchases, terms apply.
  • Free online access to your credit score.

  • Has a foreign transaction fee.
  • Annual fee between $0 and $99.
See card details
WebBank/Fingerhut Credit Account
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Key Feature: No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
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$0See TermsSee Terms
Card Details:
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Our Expert Opinion
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • Low Monthly Payments*.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.

  • This Offer is aimed to use exclusively at Fingerhut.com.
See card details
Average, Fair, Limited Credit
Journey® Student Rewards from Capital One®
Compare
Key Feature: 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
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:
  • 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 won't expire for the life of the account
  • 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
Our Expert Opinion
  • 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 won't expire for the life of the account
  • Get access to a higher credit line after making your first 5 monthly payments on time

See card details
Bad/Fair Credit
Total Visa Card
Compare
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
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
Our Expert Opinion
  • Reports monthly to credit bureaus.
  • Card with instant response.
  • Accepted anywhere across U.S. and online.

  • One-time processing fee applies.
See card details
Horizon Gold Credit Card
Compare
Key Feature: Guaranteed $500 Unsecured Credit Limit
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/a0.00%See Terms See TermsSee Terms
Card Details:
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Our Expert Opinion
  • Reports to a major credit bureau.
  • No credit check.
  • Unsecured line of credit.
  • Good for bad credit.

  • Must have Active Debit Card or Credit Card to qualify.
  • Can be used exclusively at thehorizonoutlet.com.
See card details
Credit One Bank® Platinum Visa® for Building Credit
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/A16.99% - 24.99% 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
  • Pre-Qualify without harming your credit score.
  • Unsecured credit card with no deposit requirement.
  • Get 1% cash back on eligible purchases, terms apply.

  • Has a foreign transaction fee.
See card details
Credit One Bank® Unsecured Visa® - No Deposit Required
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/A16.99% - 24.99% 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
  • Unsecured card and requires no deposit.
  • 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date.

  • Annual fee may apply.
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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