Credit Card Applications for Fair Credit
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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.
Average / 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.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| n/a | 24.9% (V) | $0 intro for first year; $19 after that | See terms | Yes | No |
- $0 intro annual fee for the first year; $19 after that.
- Image Card - personalize your card with an image of your choice.
- $0 Fraud Liability if your card is lost or stolen.
- Monitor your spending with text message alerts.
- 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
Required FICO score for this card: 640 to 699
You can apply if: your credit history is short; you have recent late or missed payments, recent bankruptcy or loan defaults, or other past credit problems.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| n/a | 24.99% (Variable) | $0 | $0 | Yes | Yes |
- 2X points per $1 spent on gas, groceries and utilities.
- No balance transfer fee.
- Redeem for flights, shopping, dining and more.
- Use your points like cash to pay for any purchase you´ve made.
- No annual fee.
- No blackout dates.
- No cash back limits.
- Earn Points on all purchases you make.
- Pay for your purchases with points.
- Transfer your extended balance for free.
- No 0% intro APR on balance transfer.
Average / 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.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| 0% (until September 2014) | 22.9% (V) | $39 | See terms | Yes | No |
- 0% intro APR on purchases until September 2014.
- $0 Fraud Liability if your card is lost or stolen.
- Enjoy MasterCard benefits, including 24-hour roadside assistance and extended warranty protection.
- Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own.
- Customize card with your favorite pictures.
- No foreign transaction fees.
- Annual fee.
Average / 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.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| 0% (until September 2014) | 22.9% (V) | $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.
- No limit to the cash back you can earn.
- Your cash back doesn´t expire.
- 0% intro APR on purchases until September 2014.
- Unlimited cash back for people with average credit.
- Easy to redeem cash back at any time.
- MasterCard benefits are included.
- Annual fee.
Fair / Average Credit
Required FICO score for this card: 640 to 699
You can apply if: you`ve been late on your credit card bills in the last year, your credit history is short, or you declared a bankruptcy in the past.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| 0% (6 billing cycles) | 24.99% (Variable) | $0 | $0 | Yes | Yes |
- Earn 2,500 points, equal to a $25 statement credit, after your first purchase or balance transfer.
- 0% Introductory APR for 6 months on purchases and balance transfers.
- 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.
- Extended rewards program.
- 0% introductory rate on purchases and balance transfers.
- No annual fee.
- Use points like cash to make purchases.
Fair Credit
Required FICO score for this card: 640 to 699
You can apply if: your credit history is short; you have recent late or missed payments, recent bankruptcy or loan defaults, or other past credit problems.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| n/a | 17.90% - 23.90% (V) | $35-$75 | n/a | Yes | Yes |
- 1% back on all gas purchases.
- No limit to the gas rewards you can earn.
- Rewards post to your account automatically each month.
- Get pre-qualified without affecting your credit score.
- Make your first six payments on time and get a credit line increase.
- Keep an eye on your credit information with free online monthly credit score tracking.
- Choose your card design from our premium gallery.
- Email or text alerts to remind you when your payment is due.
- Save 1% on gas purchases.
- Earn as much rewards as you can monthly.
- Pay no over-limit fees.
- Annual fee billed monthly.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| See terms | Various Rates | See terms | See terms | Yes | Yes |
- 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.
- All Capital One cards come with fraud coverage if your card is lost or stolen.
- Online Banking 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.
- Get 24/7 access.
- Choose rewards program you prefer.
- No risk to your credit score.
- Get result in 60 seconds.
Average / 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.
| Intro APR on Purch. | Regular APR | Annual Fee | Activation Fee | Reporting Credit Bureaus | Inst. Response |
|---|---|---|---|---|---|
| n/a | 19.8% (V) | $0 | See terms | Yes | No |
- Designed to help students build good credit with responsible use.
- Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit.
- Customizable text and e-mail alerts to help keep you on track.
- Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time.
- No annual fee.
- $0 Fraud Liability if your card is lost or stolen.
- Tools that allow you to monitor your credit score for FREE.
- Get cash back for making payments on time.
- Great card for students to build credit.
- High standard APR.
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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