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January 2022: Top Credit Cards for Fair Credit from Our Partners

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 some benefits like access to a line of credit or low monthly payments? The answer is - Yes! With an average FICO score, you can still be eligible for cards on advantageous terms. Look for a card that offers a reasonable annual fee and interest rate for people with fair credit history.

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  • Cards of January 2022
  • Unsecured Cards
  • Secured Cards
  • Personal Loans
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Capital One Platinum Credit Card - Credit-Land.com

Rating 4.3

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Annual Fee
$0
Credit Pull
Hard Pull
  • Click "APPLY ONLINE" to apply now
  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • 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
  • Help build your credit through responsible use of a card like this

our choice

Annual Fee: $0

Foreign Transaction Fee: None

Balance Transfer Fee: $0 at this Transfer APR

Reporting to the Major Consumer Reporting Agencies

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Pull
See Issuer Website
  • PREMIER Bankcard credit cards are for building credit.**
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • We report to the major consumer reporting agencies every month, so you get credit for managing your account.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

our choice

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Use this card everywhere Mastercard cards are accepted (subject to available credit)

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Credit Pull
See Issuer Website
  • PREMIER Bankcard credit cards are for building credit.**
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • We report to the major consumer reporting agencies every month, so you get credit for managing your account.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.

our choice

Response in 60 Seconds

Reporting to the Major Consumer Reporting Agencies

Build Credit

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Apply for Discover it® Student Cash Back - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Fair/New to Credit

our choice

Intro APR on Purchases
0% Intro APR (6 months)
Intro APR on Balance Transfer
10.99% Intro APR (6 months)
Regular APR
12.99% - 21.99% Variable APR
Annual Fee
$0
Credit Pull
See Terms
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% Intro APR (6 months)

Ongoing APR on Purchases:
12.99% - 21.99% Variable APR

Annual Fee: $0

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.

our choice

Card Type
Prepaid
Activation Fee
$0
Maintenance Fee
Starting at just $7/month
Credit Check
No
Overdraft Available
Yes
  • Extra is the first debit card that builds credit and earns rewards points just like a credit card.
  • Earn up to 1% in points for everyday purchases like rideshares, coffees and your phone bills.
  • Extra is compatible with over 10,000+ banks across the United States—keep your money where you want, while spending smarter with Extra.
  • No Credit Checks.
  • No Deposit Required.
  • No interest charges or surprises.

our choice

Activation Fee: $0

Overdraft available

Overdraft Fee:
See terms

Use this card everywhere Mastercard cards are accepted (subject to available credit)

Instant Response

Apply for Capital One QuicksilverOne Cash Rewards Credit Card - Credit-Land.com

Rating 4.7

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Annual Fee
$39
Credit Pull
Hard Pull
  • Click "APPLY ONLINE" to apply now
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app

our choice

Rewards

Earn unlimited 1.5% cash back on every purchase, every day

Earn cash rewards without signing up for rotating categories

Foreign Transaction Fee: None

Balance Transfer Fee: $0 at this Transfer APR

Reporting to the Major Consumer Reporting Agencies

Apply for Lendafy Payday - Credit-Land.com

Rating 4.3

APPLY

Any Credit

our choice

Maximum Loan Amount
$10,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
  • Get an Unsecured Personal Loan - $1,000 to $10,000 by Tomorrow.
  • Cash directly wired to your account!
  • Get quick cash and stop waiting for your paycheck

our choice

Instant Response

Loans up to $10,000

Apply for Journey Student Rewards from Capital One - Credit-Land.com

Rating 4.4

APPLY

on Capital One's secure website

Average, Fair, Limited Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99% (Variable)
Annual Fee
$0
Credit Pull
Hard Pull
  • Click "APPLY ONLINE" to apply now
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply
  • Enjoy no annual fee and no foreign transaction fees
  • You can help build your credit with responsible use of a card like this
  • Pick the monthly due date that works best for you
  • Be automatically considered for a higher credit line in as little as 6 months
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone

our choice

Annual Fee: $0

Rewards

Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month

Earn $5 per month for 12 months on Select Streaming Subscriptions when you pay on time. *Exclusions Apply

Foreign Transaction Fee: None

Balance Transfer Fee: $0 at this Transfer APR

Apply for Citrus Loans - Credit-Land.com

Rating 4.3

APPLY

Any Credit

our choice

Maximum Loan Amount
$2,500
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
  • Our process is safe, secure, fast and reliable.
  • No waiting in lines or going to a physical store.
  • Request your loan straight from your mobile phone, or computer.
  • You may be approved in minutes, and your cash will be deposited straight into your bank account.

our choice

Instant Response

Loans up to $2,500

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
23.99% Variable
Annual Fee
$95
Credit Pull
See Terms
  • Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • View your free online access to your Experian credit score, terms apply
  • Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer

our choice

Rewards

Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
29.99% Variable
Annual Fee
As low as $85
Credit Pull
Hard Pull
  • With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward.
  • Make contactless payments through Mobile Wallet
  • Periodic Credit Increase Reviews
  • Free access to your Vantage 3.0 score from Equifax

our choice

Rewards

With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward.

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
29.99% Variable
Annual Fee
As low as $85
Credit Pull
Hard Pull
  • With the Aspire® Mastercard® Credit Card, you earn a 3% cash back reward on Gas, Groceries and Utility Payments
  • Earn a 1% cash back reward on all other purchases
  • Up to $1,000 credit limit subject to credit approval
  • Pre-qualify without affecting your credit score
  • No deposits or program fee
  • Free access to your Vantage 3.0 score from Equifax

our choice

Rewards

With the Aspire® Mastercard® Credit Card, you earn a 3% cash back reward on Gas, Groceries and Utility Payments

Earn a 1% cash back reward on all other purchases

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Apply for Mission Money Debit Card - Credit-Land.com

Rating 4.5

APPLY

Excellent/Good/Fair/Bad Credit

our choice

Card Type
Prepaid
Activation Fee
$0
Maintenance Fee
$0
Credit Check
No
Overdraft Available
No
  • No account fees, no balance minimum
  • Access to 55,000 ATMs nationwide, fee-free
  • The coverage of VISA®, the security of FDIC

our choice

Activation Fee: $0

Monthly Maintenance Fee: $0

Use this card everywhere Visa cards are accepted

No Credit Check

Apply for Credit One Bank® Platinum Visa® - Credit-Land.com

Rating 4.4

APPLY

Bad/Fair/Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
23.99% Variable
Annual Fee
$39
Credit Pull
See Terms
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • View your Experian credit score online for free, terms apply
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Show off your personality by selecting from a variety of card designs, a fee may apply

our choice

Rewards

Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Apply for PickALender - Credit-Land.com

Rating 4.3

APPLY

All Credit Considered

our choice

Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
18
  • Request a loan in under 2 minutes!
  • This service is free and will NOT affect your credit score
  • Money can be deposited as soon as the next business day

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Loans up to $40,000

Apply for Surge Mastercard® - Credit-Land.com

Rating 3.7

APPLY

See website for Details*

our choice

Intro APR on Purchases
See website for Details*
Intro APR on Balance Transfer
See website for Details*
Regular APR
24.99% - 29.99% (Variable)
Annual Fee
See website for Details*
Credit Pull
Hard Pull
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

SHOW MORE CARDS
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for Discover it® Student Cash Back - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Fair/New to Credit

our choice

Intro APR on Purchases
0% Intro APR (6 months)
Intro APR on Balance Transfer
10.99% Intro APR (6 months)
Regular APR
12.99% - 21.99% Variable APR
Annual Fee
$0
Credit Pull
See Terms
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% Intro APR (6 months)

Ongoing APR on Purchases:
12.99% - 21.99% Variable APR

Annual Fee: $0

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

Earn 5% cash back on everyday purchases at different places each quarter like Amazon.com, grocery stores, restaurants, gas stations and when you pay using PayPal, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.

Apply for Surge Mastercard® - Credit-Land.com

Rating 3.7

APPLY

See website for Details*

our choice

Intro APR on Purchases
See website for Details*
Intro APR on Balance Transfer
See website for Details*
Regular APR
24.99% - 29.99% (Variable)
Annual Fee
See website for Details*
Credit Pull
Hard Pull
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Apply for Discover it® Student chrome - Credit-Land.com

Rating 5.0

APPLY

on Discover's secure website

Fair/New to Credit

our choice

Intro APR on Purchases
0% Intro APR (6 months)
Intro APR on Balance Transfer
10.99% Intro APR (6 months)
Regular APR
12.99% - 21.99% Variable APR
Annual Fee
$0
Credit Pull
See Terms
  • INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • Discover is accepted nationwide by 99% of the places that take credit cards.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 12.99% - 21.99% applies.
  • Click "APPLY NOW" to see rewards, FICO® Credit Score terms, Cashback Match™ details & other information.

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% Intro APR (6 months)

Ongoing APR on Purchases:
12.99% - 21.99% Variable APR

Annual Fee: $0

Rewards Bonus

INTRO OFFER: Unlimited Cashback Match – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.

Rewards

Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.

Earn rewards while building your credit history that can help you after graduation. And, get your free Credit Scorecard that includes your FICO® Credit Score and important details that help make up your score.

Refer-a-Friend: Once you become a Discover it® Student cardmember, you can earn a statement credit each time you refer a friend and they’re approved. Over half a million students got Discover Cards from their friends' recommendations.

Apply for Group One Freedom Card - Credit-Land.com

Rating 3.5

APPLY

Bad Credit

our choice

Intro APR on Purchases
n/a
Intro APR on Balance Transfer
n/a
Regular APR
0.00%
Annual Fee
See terms
Credit Pull
Soft Pull
  • Bad Credit, Low Score? No Problem!
  • Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
  • Build your Credit with responsible handling of your account
  • Receive a $750 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check

our choice

0% APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Reporting to the Major Consumer Reporting Agencies

No Credit Check

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
23.99% Variable
Annual Fee
$95
Credit Pull
See Terms
  • Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • View your free online access to your Experian credit score, terms apply
  • Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer

our choice

Rewards

Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
29.99% Variable
Annual Fee
As low as $85
Credit Pull
Hard Pull
  • With the Aspire® Mastercard® Credit Card, you earn a 3% cash back reward on Gas, Groceries and Utility Payments
  • Earn a 1% cash back reward on all other purchases
  • Up to $1,000 credit limit subject to credit approval
  • Pre-qualify without affecting your credit score
  • No deposits or program fee
  • Free access to your Vantage 3.0 score from Equifax

our choice

Rewards

With the Aspire® Mastercard® Credit Card, you earn a 3% cash back reward on Gas, Groceries and Utility Payments

Earn a 1% cash back reward on all other purchases

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
29.99% Variable
Annual Fee
As low as $85
Credit Pull
Hard Pull
  • With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward.
  • Make contactless payments through Mobile Wallet
  • Periodic Credit Increase Reviews
  • Free access to your Vantage 3.0 score from Equifax

our choice

Rewards

With the Fortiva® Mastercard® Credit Card, you earn up to a 3% cash back reward.

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Apply for Credit One Bank® Platinum Visa® - Credit-Land.com

Rating 4.4

APPLY

Bad/Fair/Good Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
23.99% Variable
Annual Fee
$39
Credit Pull
See Terms
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • View your Experian credit score online for free, terms apply
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Show off your personality by selecting from a variety of card designs, a fee may apply

our choice

Rewards

Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Credit Pull
Hard Pull
  • Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
  • Build up your Credit with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • You may be eligible for a Credit Line Increase after six months.
  • Easy and secure online application – it just takes moments to apply.
  • Checking account required.
  • If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit).
  • Receive your card more quickly with optional Expedited Processing (additional fee applies).
  • Get a result in as little as 60 seconds upon completion of the online application.
  • Online Customer Center available 24 x 7.
  • Issued by Synovus Bank, Member: FDIC.

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Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

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Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
23.99% (Variable)
Annual Fee
$75/$99
Credit Pull
See Terms
  • See if you Pre-Qualify without harming your credit score
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your free online access to your Experian credit score, terms apply
  • This unsecured card requires no deposit and can help build your credit
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Show off your personality by selecting from a variety of card designs, a fee may apply

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Rewards

Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

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Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See Terms
Annual Fee
See Terms
Credit Pull
Hard Pull
  • Get the security and convenience of a full-featured, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Select your favorite card design from our gallery, for free!
  • 24/7 mobile account access with no security deposit required
  • $0 fraud liability if your card is lost or stolen
  • All credit histories considered for this no security deposit credit card
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

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Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

Apply for Fit Mastercard® Credit Card - Credit-Land.com

Rating 3.7

APPLY

Bad/Fair Credit

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Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Credit Pull
Hard Pull
  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Checking Account Required

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Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Build Credit

SHOW MORE CARDS
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide

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Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
N/A
Annual Fee
$0
Credit Pull
See Terms
  • Chime Spending Account and $200 qualifying direct deposit required to apply. Eligibility requirements apply for Credit Builder metal card
  • Free credit building, no matter your credit history
  • No annual fees or interest
  • No credit check to apply
  • No minimum security deposit required
  • Whether it’s gas or groceries, all purchases can count towards building credit via on-time payment
  • Reports to all 3 major credit bureaus
  • View and track your FICO score right in the Chime app. FICO is the credit score used by 90% of lenders

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Annual Fee: $0

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Apply for Surge Secured Mastercard® - Credit-Land.com

Rating 4.0

APPLY

Poor/None Credit

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Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.99%
Annual Fee
$69
Credit Pull
Hard Pull
  • Initial refundable deposit of $300 becomes your credit limit
  • 1% Cash back Rewards on every purchase
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
  • Checking Account Required

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Rewards

1% Cash back Rewards on every purchase

Instant Response

Reporting to the Major Consumer Reporting Agencies

Secured Credit Card

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Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
17.39% (variable)
Annual Fee
$35
Credit Pull
Soft Pull
  • No credit check to apply and find out instantly if you are approved.
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Enjoy protection from unauthorized purchases with $0 fraud liability
    *View the cardholder agreement

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