Credit Cards for People with 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
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.
lowest
average
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Instant Response |
|---|---|---|---|---|---|
| 0% (until November 2015) | 22.9% (Variable) | $39 | See terms | Yes | No |
- Earn unlimited 1.5% cash back on every purchase, every day.
- No rotating categories and no sign ups needed to earn cash rewards.
- Redeem the cash back you earn for any amount, any time.
- Cash back doesn′t expire and there′s no limit to how much you can earn.
- 0% intro APR on purchases until November 2015; 22.9% 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.
- Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
- Unlimited cash back for people with average credit.
- Easy to redeem cash back at any time.
- MasterCard benefits are included.
- Annual fee.
Average / Fair / 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.
lowest
average
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Instant Response |
|---|---|---|---|---|---|
| n/a | 24.9% (Variable) | $0 intro for first year; $19 after that | See terms | Yes | No |
- Start with a $0 intro annual fee for the first year; $19 after that.
- 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.
- Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
- 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.
Fair Credit
You can apply if: your credit history is short. You’ve had your own credit card, loan or have been an authorized user on someone’s credit card for less than 3 years. You have recent late or missed payments or defaulted on a loan in the past 5 years.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Instant Response |
|---|---|---|---|---|---|
| n/a* | 17.90% - 23.90% (Variable)* | $35-$99* | $0 | Yes | No |
- Unlimited 1% cash back gas rewards.
- No limit to the gas rewards you can earn.
- Get Pre-Qualified without affecting your credit score.
- Automatic reviews for credit line increase opportunities.
- Zero fraud liability protects you from unauthorized charges.
- Unlimited 1% cash back gas rewards.
- Earn as much rewards as you can monthly.
- Pay no over-limit fees.
- Annual fee billed monthly.
lowest
average
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Instant Response |
|---|---|---|---|---|---|
| See terms | Various Rates | See terms | See terms | Yes | No |
- 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.
- Choose rewards program you prefer.
- No risk to your credit score.
- Get result in 60 seconds.
Fair Credit
This credit offer is for people with Fair credit history.
lowest
average
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Instant Response |
|---|---|---|---|---|---|
| n/a | 24.99%* (Variable) | $0 | $0 | Yes | Yes |
- No annual fee.
- Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else.
- Use the points you earn like cash to pay for almost any purchases you´ve made.
- No redemption fees, no limit on the points you can earn and no complicated set up.
- Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score.
- Complimentary FICO® Credit Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
- Extended rewards program.
- No annual fee.
- Use points like cash to make purchases.
Average / Fair / 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.
lowest
average
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Instant Response |
|---|---|---|---|---|---|
| n/a | 20.9% (Variable) | $39 | See terms | Yes | No |
- Get the credit you need with a competitive rate.
- 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.
- Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
- Customize card with your favorite pictures.
- No foreign transaction fees.
- Annual fee.
Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Instant Response |
|---|---|---|---|---|---|
| n/a | 24.90% | $0 | $0 | Yes | Yes |
- No Annual Fee*.
- No Over Limit Fee*.
- Apply for Fingerhut Credit today*. Fill out our easy online application.
- Low Monthly Payments*.
- Choose From Over 150,000 items.
- Shop Great Brands at Fingerhut.com.
- Budget Friendly Payments* with Fingerhut Credit!
- Get the Credit You Deserve*.
- We just love saying "YES!"
- Start the New Year with Fingerhut.
- Get $25 off $100 - USE Promo Code NC568. Exp. 2/28/2015.
- *SEE Fingerhut.com Site for Terms & Conditions.
- No Annual Fees.
- No Application Fees.
- No Over Limit Fees.
- Quick approval.
- Credit is available as soon as you´re approved.
- This Offer is aimed to use exclusively at Fingerhut.com.
Average / Fair / 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.
lowest
average
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Instant Response |
|---|---|---|---|---|---|
| n/a | 19.8% (Variable) | $0 | See terms | Yes | No |
- Earn 1% cash back on every purchase.
- For every month you pay on time, you receive a 25% bonus — that′s a total of 1.25% cash back.
- 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 fee or foreign transaction fees.
- Fraud coverage if your card is lost or stolen.
- Pick the monthly payment due date that works best for you.
- Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
- Get cash back for making payments on time.
- Great card for students to build credit.
- High standard APR.
Bad Credit
You can apply if: you have late payments or maxed out credit balance; you have more than one foreclosure, repossession, defaulted on a loan more than once or have a recently discharged bankruptcy; you have been declined for a credit card in the last three months.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Instant Response |
|---|---|---|---|---|---|
| n/a | 0.00% | See terms | $29.95 | Yes | Yes |
- 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.
- Reports to a major credit bureau.
- Fast online approval.
- Unsecured credit limit.
- Must have Active Debit Card or Credit Card to qualify.
- Can be used exclusively at thehorizonoutlet.com.
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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