Credit Cards for People with Fair Credit
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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.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Application Processing Fee | Fee on Bal.Tr. |
|---|---|---|---|---|---|
| N/A | N/A | 24.99% (Variable) | $0 | See terms | $0 |
- 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
- 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
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Application Processing Fee | Fee on Bal.Tr. |
|---|---|---|---|---|---|
| N/A | N/A | 16.99% - 24.99% Variable | $0 - $99 | See terms | N/A |
- Receive 1% cash back on eligible purchases, terms apply
- Make paying your bill easier with the ability to choose your payment date. Terms apply.
- See if you Pre-Qualify without harming your credit score
- Zero fraud liability protects you from unauthorized charges
- Monitor your credit with free online access to your credit score
- Show off your style with a premium card design, a fee may apply
- Receive opportunities for credit line increases, a fee may apply
- Email or text alerts to remind you when your payment is due
- Cash back rewards.
- Free online access to credit score.
- Opportunities for credit line increases.
- Annual fee may apply.
- Has a foreign transaction fee.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Application Processing Fee | Fee on Bal.Tr. |
|---|---|---|---|---|---|
| N/A | N/A | 24.99% (Variable) | $39 | See terms | $0 |
- 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
- 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
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Application Processing Fee | Fee on Bal.Tr. |
|---|---|---|---|---|---|
| N/A | N/A | 16.99% - 24.99% Variable | $0 - $99 | See terms | N/A |
- 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
- 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.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Application Processing Fee | Fee on Bal.Tr. |
|---|---|---|---|---|---|
| n/a | n/a | See Terms | $0 | See Terms | See Terms |
- 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!"
- 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.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Application Processing Fee | Fee on Bal.Tr. |
|---|---|---|---|---|---|
| N/A | N/A | See Terms* | See Terms* | See Terms* | N/A |
- 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
- Full-feature Visa credit card.
- Get response in a minute.
- Good for people with poor credit.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Application Processing Fee | Fee on Bal.Tr. |
|---|---|---|---|---|---|
| N/A | N/A | 23.9% | $35 - $99* | See Terms | N/A |
- 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
- Mobile account access.
- Free custom card design.
- Reports to credit bureaus.
- Has a high annual fee.
| Card Type | Guaranteed Approval | Instant Response | Credit Check | Build Credit | Reporting Credit Bureaus |
|---|---|---|---|---|---|
| Prepaid | Yes | No | No | No | No |
- Get paychecks or government benefits checks up to 2 days faster* with Direct Deposit.
- Sign up for NetSpend Payback Rewards and earn cash back.
- No late fees or credit card debt because this is not a credit card.
- Use the Mobile App to manage your account on the go and get real time text message alerts (Message & data rates may apply).
- Funds availability not guaranteed. Card used is subject to activation and ID verification. Terms and Costs Apply.
- *Card issued by MetaBank®, Member FDIC. "Apply Now" for full details.
- No credit check.
- No activation fee.
- Free Direct Deposit.
- Cash withdrawal fees apply.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Application Processing Fee | Fee on Bal.Tr. |
|---|---|---|---|---|---|
| N/A | N/A | See Terms* | See Terms* | See Terms* | N/A |
- 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!
- Reports monthly to credit bureaus.
- Card with instant response.
- Accepted anywhere across U.S. and online.
- One-time processing fee applies.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Application Processing Fee | Fee on Bal.Tr. |
|---|---|---|---|---|---|
| N/A | N/A | 16.99% - 24.99% Variable | $0 - $99 | See terms | N/A |
- 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.
- 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.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Application Processing Fee | Fee on Bal.Tr. |
|---|---|---|---|---|---|
| N/A | N/A | 23.9% | $35 - $99* | See Terms | N/A |
- 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.
- Choose Your Custom Card Design- Free.
- Free 24/7 Account Access & Bill Pay.
- MasterCard Gold Benefits.
- Has a high annual fee.
| Intro APR on Purch. | Intro APR on Bal. Tr. | Regular APR | Annual Fee | Application Processing Fee | Fee on Bal.Tr. |
|---|---|---|---|---|---|
| N/A | N/A | 16.99% - 24.99% Variable | $0 - $99 | See terms | N/A |
- 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
- Unsecured card and requires no deposit.
- 1% cash back on eligible purchases, terms apply.
- Choose your monthly payment due date.
- Annual fee may apply.
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.
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