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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

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 FeeActivation FeeInstant Response
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 (20)
You've selected 20 cards for comparison. Click on "Compare" link to go to the full comparison list.
Approved Credit Score †
537
lowest
617
average
Key Feature: 0% intro APR on purchases until February 2016; 22.9% variable APR 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
0%
(until
February
2016)
22.9% (Variable)$39See termsYesNo
Card Details:
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • 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.
  • Get a 20% Statement Credit on all Uber rides purchased with this card through April 2016.
  • 0% intro APR on purchases until February 2016; 22.9% variable APR after that.
  • Balance transfers also have a 0% intro APR until February 2016.
  • 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.
Our Expert Opinion
  • Earn unlimited 1.5% cash back on every purchase, every day.
  • 0% intro APR on purchases until February 2016; 22.9% variable APR after that.
  • Fraud coverage if your card is ever lost or stolen.

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 (20)
You've selected 20 cards for comparison. Click on "Compare" link to go to the full comparison list.
Approved Credit Score †
538
lowest
602
average
Key Feature: Start with a $0 intro 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% (Variable)$0 intro for first year;
$19 after that
See termsYesNo
Card Details:
  • 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.
Our Expert Opinion
  • Start with a $0 intro annual fee for the first year; $19 after that.
  • Fraud coverage if your card is lost or stolen.
  • Get access to your account 24 hours a day, 7 days a week.

See card details
Fair Credit

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

Compare (20)
You've selected 20 cards for comparison. Click on "Compare" link to go to the full comparison list.
Approved Credit Score †
584
lowest
651
average
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 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.
Our Expert Opinion
  • Earn points on purchses.
  • No annual fee.
  • Use points like cash to pay for purchases.

  • No intro APRs.
See card details
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 (20)
You've selected 20 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Platinum Visa® 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*$0YesNo
Card Details:
  • Unlimited 1% cash back gas rewards.
  • Rewards post to your account automatically each month.
  • Get Pre-Qualified without affecting your credit score.
  • Automatic reviews for credit line increase opportunities.
  • Zero fraud liability protects you from unauthorized charges.
Our Expert Opinion
  • Unlimited 1% cash back gas rewards.
  • Get Pre-Qualified without affecting credit score.
  • Automatic reviews for credit line increase.

  • Annual fee is $35-$99.
See card details
Capital One® Card Finder Tool
Compare (20)
You've selected 20 cards for comparison. Click on "Compare" link to go to the full comparison list.
Approved Credit Score †
516
lowest
604
average
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 termsYesNo
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.
  • See your card matches in less than 60 seconds.
  • Pick the monthly payment due date that works best for you.

See card details
Fair / Good Credit

Fair / Good Credit
You can apply if: your credit seen up and downs, but now it is stable and you manage it responsibly: you’re making on time payments every month and staying within limits now.

Compare (20)
You've selected 20 cards for comparison. Click on "Compare" link to go to the full comparison list.
Key Feature: Fast and Easy Instant Decision
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/a23.9%$35 - $99*See termsYesYes
Card Details:
  • Quick pre-qualification available with no impact to your credit score.
  • Fast and easy instant decision.
  • Choose your custom card design - Free.
  • Free online account access.
  • Zero Liability - you′ll never be held liable for unauthorized charges made to your card.
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK.
Our Expert Opinion
  • Pre-qualification with no impact to credit score.
  • Choose your custom card design.
  • Previous bankruptcy OK.

  • Has a high annual fee.
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 (20)
You've selected 20 cards for comparison. Click on "Compare" link to go to the full comparison list.
Approved Credit Score †
534
lowest
589
average
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% (Variable)$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.
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker.
Our Expert Opinion
  • Get the credit you need with a competitive rate.
  • Fraud coverage if your card is lost or stolen.
  • Get access to your account 24 hours a day, 7 days a week.

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 (20)
You've selected 20 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*.
  • No Over Limit Fee*.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 200,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • Memorial Day Savings Going on Right Now with Fingerhut.
  • Get $50 off $200 - USE Promo Code NC959. Exp. 6/1/2015.
  • *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.
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 (20)
You've selected 20 cards for comparison. Click on "Compare" link to go to the full comparison list.
Approved Credit Score †
540
lowest
627
average
Key Feature: Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for 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% (Variable)$0See termsYesNo
Card Details:
  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for 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 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.
Our Expert Opinion
  • 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.

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 (20)
You've selected 20 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.
  • No credit check.
  • Unsecured line of credit.
  • Good for bad credit.

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

* See Card Terms & Conditions for Details.
This information is provided in a relationship with CreditKarma.com. Credit Karma members have received approvals with these TransUnion New Account credit scores. Please note that because other factors may affect credit card approval, metrics are only guidelines and approval is not guaranteed.

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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