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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

Credit Cards for People with Fair Credit
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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 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.

Sort Cards by:RatingIntro APR on Purch.Regular APRAnnual FeeActivation FeeInstant Response
Fair Credit

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.

Compare (12)
You've selected 12 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Visa Platinum Benefits and Gas Rewards for Fair Credit
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
N/A*17.90% -
23.90% (Variable)
$35-$99$0YesYes
Card Details:
  • Unlimited 1% back gas rewards.
  • Rewards post to your account automatically each month.
  • Zero fraud liability protects you from unauthorized charges.
  • Earn 1% back on gas purchases and get more value with every gallon.
Our Expert Opinion
  • Unlimited 1% back gas rewards.
  • Earn as much rewards as you can monthly.
  • Pay no over-limit fees.

  • Annual fee billed monthly.
See card details
Average / Fair / Limited 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.

Compare (12)
You've selected 12 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Start with no annual fee for the first year; $19 after that
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
n/a24.9% (V)$0 intro for first year;
$19 after that
See termsYesNo
Card Details:
  • Start with no 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.
  • Start building for the future with features that can help you get there.
  • Get free access to your monthly credit score and credit tips using Capital One® Credit Tracker.
Our Expert Opinion
  • 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.
See card details
Fair / Average Credit

Fair / Average Credit
This credit offer is for people with Fair / Average credit history.

Compare (12)
You've selected 12 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Annual Fee
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
n/a24.99%* (Variable)$0$0YesYes
Card Details:
  • 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 blackout date, 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® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
Our Expert Opinion
  • Extended rewards program.
  • No annual fee.
  • Use points like cash to make purchases.

See card details
Average / Fair / Limited 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.

Compare (12)
You've selected 12 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: 0% intro APR on purchases until June 2015
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
0%
(until
June
2015)
22.9% (V)$39See termsYesNo
Card Details:
  • 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 June 2015.
  • 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 monthly credit score and credit tips using Capital One® Credit Tracker.
Our Expert Opinion
  • Unlimited cash back for people with average credit.
  • Easy to redeem cash back at any time.
  • MasterCard benefits are included.

  • Annual fee.
See card details
Capital One® Card Finder Tool
Compare (12)
You've selected 12 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Find card offers you may be eligible for without affecting your credit score
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
See termsVarious RatesSee termsSee termsYesYes
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
  • Choose rewards program you prefer.
  • No risk to your credit score.
  • Get result in 60 seconds.

See card details
Bad Credit

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.

Compare (12)
You've selected 12 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Guaranteed $500 Unsecured Credit Limit
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
n/a0.00%See terms$29.95YesYes
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.
  • Fast online approval.
  • Unsecured credit limit.

  • Must have Active Debit Card or Credit Card to qualify.
  • Can be used exclusively at thehorizonoutlet.com.
See card details
Average / Fair / Limited 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.

Compare (12)
You've selected 12 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Get the credit you need with a competitive rate
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
n/a20.9% (V)$39See termsYesNo
Card Details:
  • 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.
  • Start building for the future with features that can help you get there.
  • Get free access to your monthly credit score and credit tips using Capital One® Credit Tracker.
Our Expert Opinion
  • Customize card with your favorite pictures.
  • No foreign transaction fees.

  • Annual fee.
See card details
Bad Credit

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.

Compare (12)
You've selected 12 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: No Annual Fee
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
n/a24.90%$0$0YesYes
Card Details:
  • No Annual Fee.68
  • No Over Limit Fee.68
  • Get Response in 60 seconds.
  • No down payments, no layaway and no surprises.
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  • Low Monthly Payments.69
  • Choose From Over 70,000 Products.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments with Fingerhut Credit!
  • Get the Credit You Deserve.
  • We just love saying "YES!".
Our Expert Opinion
  • 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.
See card details
Average / Fair / Limited 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.

Compare (12)
You've selected 12 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: For every month you pay on time, you receive a 25% bonus - that's a total of 1.25% cash back
Expert Rating:
Credit-Land.com experts evaluate each card using several criteria (e.g., interest rates, fees, benefits and features, rewards programs, and customer service) in order to help you choose a card that's right for you. This rating reflects our experts' opinions, beliefs and experiences with credit card products. This rating is not influenced by payment considerations.
Summary of Card Features:
Intro APR
on Purch.
Regular APRAnnual FeeActivation FeeReporting
Credit Bureaus
Instant Response
n/a19.8% (V)$0See termsYesNo
Card Details:
  • Earn 1% cash back on every purchase, every month - and pay no annual fee.
  • For every month you pay on time, you receive a 25% bonus — that′s a total of 1.25% cash back.
  • Get access to a higher credit line after making your first 5 monthly payments on time.
  • Brighten your financial future with responsible credit use - and get rewarded along the way.
  • Fraud coverage if your card is lost or stolen.
  • There′s no limit to the amount of cash back you can earn, and rewards don′t expire.
  • Pick the monthly payment due date that works best for you.
  • Get free access to your monthly credit score and credit tips using Capital One® Credit Tracker.
Our Expert Opinion
  • Get cash back for making payments on time.
  • Great card for students to build credit.

  • High standard APR.
See card details

68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.

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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Fair Credit Cards

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