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.

Sort Cards by:RatingIntro APR on Purch.Regular APRAnnual FeeApplication Processing FeeInstant Response
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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.
0% intro on purchases for 9 months0% intro on balance transfers for 9 months23.24% (Variable)$39See terms$0
Card Details:
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017
  • 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
  • 0% intro APR on purchases for 9 months; 23.24% variable APR after that
  • 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
Our Expert Opinion
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Every 10th Uber ride is free up to $15 when you pay with your QuicksilverOne card through March 31, 2017
  • 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

See card details
Average, Fair, Limited Credit
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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

See card details
Compare
Key Feature: 1% cash back on select 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/A15.65% - 24.15% Variable$0 - $99See termsN/A
Card Details:
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
  • Choose your card design from our premium gallery, a fee may apply
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Rewards post to your account automatically each month
  • Email or text alerts to remind you when your payment is due
Our Expert Opinion
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges

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Fair / Good Credit
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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:
  • Easy Monthly Payments.
  • 20-50% MSRP*.
  • Brands you love featuring closeouts and overstock.
  • New deals added weekly.
  • No annual account fee.
  • Free Shipping* with promo code GTNFS.
  • *See site for details.
Our Expert Opinion
  • Start shopping right after approval.
  • Pay no annual fee.
  • Get credit line increases.

  • For shopping at Gettington only.
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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.
Our Expert Opinion
  • Mobile account access.
  • Free custom card design.
  • Reports to credit bureaus.

  • Has a high annual fee.
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Capital One® Card Finder Tool
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Key Feature: Find card offers you may be eligible for without affecting your credit score
Expert Rating:
Summary of Card Features:
Intro APR
on Purch.
Intro APR on Bal. Tr.Regular APRAnnual FeeApplication Processing FeeFee on Bal.Tr.
See TermsSee TermsVarious RatesSee TermsSee termsSee Terms
Card Details:
  • 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
More details
Our Expert Opinion
  • 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

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Compare
Key Feature: 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/A15.65% - 24.15% Variable$0 - $99See termsN/A
Card Details:
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
Our Expert Opinion
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month

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No Credit Needed
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Key Feature: Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
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/AN/A$0NoneSee terms
Card Details:
  • Up to $5,000 Spending Limit in Less than 60 Seconds! Shop from over 100,000 brand name products such as Apple, Samsung, Sony, Gucci, Prada and much more with low easy payments.
  • Less than Perfect Credit Accepted. Approval is quick and easy. Must be 18 years or older, have a valid checking account and a verifiable source of income.
  • Up To 12 Months Same As Cash
  • 50% Early Payoff Discount
  • No Hidden Fees
  • Return at any Time
Our Expert Opinion
  • Instant approval.
  • No credit needed.
  • No hidden fees.

  • Not available in NJ, WI, MN, HI, WY, AK.
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Compare
Key Feature: Earn 1% cash back on gas and grocery 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/A15.65% - 24.15% Variable$0 - $99See termsN/A
Card Details:
  • 1% cash back on eligible purchases, terms apply
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time
  • Zero fraud liability protects you from unauthorized charges
  • See if you Pre-Qualify without harming your credit score
Our Expert Opinion
  • 1% cash back on eligible purchases, terms apply
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time

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Compare
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!"
  • Get $50 off $200 - USE Promo Code NC787. Expires: 9/30/2016.
  • *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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Compare
Key Feature: 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
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/a25.24%* Variable$0See terms3%
Card Details:
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing
  • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
  • No limit on the number of points you can earn or redeem
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
  • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
Our Expert Opinion
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing

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Average, Fair, Limited Credit
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/A20.24% (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 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
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 don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time

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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