As a rule co-branded cards, or hotel cards, are offered to people with an established credit history. However, there are three versions of Club Carlson Visa cards for consumers. Therefore, it may be easy to qualify for their credit card when your credit is fair. The cards are issued by U.S. Bank, so if you need more details or have some other questions, feel free to contact the issuer directly. In case you are not approved for any of the Club Carlson cards, you may want to consider applying for a regular credit card offered to people with fair credit.