Credit Cards for People with Fair Credit 2018

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Credit Card Applications » Credit Cards for Fair Credit

Top Credit Card Applications 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 perks like low interest and rewards? The answer is - Yes! With an average FICO score, you can still be eligible for cards on advantageous terms.

There are cards that 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.

Cards of December 2018
Rewards
Mastercard
No Annual Fee
Average, Fair, Limited Credit
Capital One®: Capital One® Platinum Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
26.46% (Variable)
$0
  • Click «APPLY ONLINE» to apply now
  • Pay no annual fee
  • 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
  • Help strengthen your credit for the future with responsible card use
Capital One®: Capital One® QuicksilverOne® Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
26.46% (Variable)
$39
  • 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
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • 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
All Credit Considered
Summary of Key Features:
Maximum Loan Amount
Minimum Loan Amount
Minimum Income Required
Minimum Age of a Borrower
$40,000
$500
See terms
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
The Bank of Missouri: Fit Mastercard® Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
  • 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 that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required
Green Dot Bank: Green Dot 5% Cash Back Visa® Debit Card
Compare
Apply Online
At Green Dot’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
No
No
  • Earn 5% Cash Back on purchases, up to $100 per reward year
  • No overdraft fees, ever
  • No credit check to get a card
  • Get paid up to 2 days earlier with free direct deposit (subject to your payment provider's process and timing)
  • Track your money 24/7 with our mobile app. Deposit checks with your smartphone
  • Use it everywhere Visa debit cards are accepted in the U.S.
All Credit Considered
Summary of Key Features:
Maximum Loan Amount
Minimum Loan Amount
Minimum Income Required
Minimum Age of a Borrower
$40,000
$500
See terms
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
Limited/No Credit
MetaBank®: 24k Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
  • Enroll in Direct Deposit and get your pay up to two days early.*
  • Real time activity alerts to let you know when a load goes through or if your balance is running low.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification*.
  • Approval upon successful ID verification.* No credit check* or minimum balance required.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
  • Easy Online Bill Pay— pay your rent, utilities or a friend*.
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about 24k Prepaid Visa RushCard.
First PREMIER® Bank: First PREMIER® Bank Mastercard® Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Issuer Website
See Issuer Website
  • Must have checking account to qualify
  • Reports to the major Consumer Reporting Agencies.
  • We provide a response in 60 seconds or less.
  • Bad Credit? Good Option!
  • Credit limit increase eligibility after 13 months and kept your account in good standing.
  • Know the score! Quarterly FICO score on your monthly billing statements
  • $0 Fraud Liability on unauthorized charges. Restrictions apply.
  • Our application is easy and confidential.
  • Looking for a new credit card? Apply today!
  • Credit 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 First PREMIER® Bank product.
Limited/No Credit
MetaBank®: Carbon Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
  • Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply.*
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification*.
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.
  • Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
  • Real time activity alerts to let you know when a load goes through or if your balance is running low.
  • Transfer money to another RushCard member for just $0.99 per transaction.
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Carbon Prepaid Visa RushCard.
Bad/Fair Credit
The Bank of Missouri: Total Visa Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
MetaBank®: Midnight Prepaid Visa® RushCard
Compare
Apply Online
At RushCard’s secure site
Summary of Key Features:
Activation Fee
Guaranteed Approval
Instant Response
Credit Check
See terms
No
Yes
No
  • Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.
  • Enroll in Direct Deposit and get your pay up to two days early. Certain restrictions apply*
  • Easy Online Bill Pay — pay your rent, utilities or a friend*.
  • Shop online and in stores - everywhere Visa debit cards are accepted.
  • Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
  • * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Midnight Prepaid Visa RushCard.
First PREMIER® Bank: First PREMIER® Bank Gold Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Issuer Website
See Issuer Website
  • Must have checking account to qualify
  • A 60 second response could mean a new credit card for you!
  • A Gold credit card offer for those with less than perfect credit.
  • Manage your account online 24/7 free of charge
  • Zero fraud liability protects you from unauthorized charges. Restrictions apply.
  • Only you can rebuild your credit. A First PREMIER Bank Credit Card can be one tool to help in your journey. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month.
  • Easy Online Application!
  • Credit 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 First PREMIER® Bank product
Credit One Bank®: Credit One Bank® Platinum Visa® with Cash Back Rewards
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
19.99% - 25.99% Variable
$0 - $99
  • Click «APPLY ONLINE» to see if you Pre-Qualify
  • Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
  • Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.
Average, Fair, Limited Credit
Capital One®: Journey® Student Rewards from Capital One®
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
26.46% (Variable)
$0
  • 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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app
The Bank of Missouri: First Access Visa® Solid Black Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
  • Get the security and convenience of a full-feature, 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
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $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!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri
Capital One®: Capital One® QuicksilverOne® Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
26.46% (Variable)
$39
  • 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
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • 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
Credit One Bank®: Credit One Bank® Platinum Visa®
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
19.99% - 25.99% Variable
$0 - $99
  • Click «APPLY ONLINE» to see if you Pre-Qualify
  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
  • Show off your personality by selecting from a variety of card designs, a fee may apply
Credit One Bank®: Credit One Bank® Platinum Visa® with Cash Back Rewards
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
19.99% - 25.99% Variable
$0 - $99
  • Click «APPLY ONLINE» to see if you Pre-Qualify
  • Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
  • Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.
Average, Fair, Limited Credit
Capital One®: Journey® Student Rewards from Capital One®
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
26.46% (Variable)
$0
  • 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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app
Credit One Bank®: Credit One Bank® Visa® Credit Card with Cash Back Rewards
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
19.99% - 25.99% Variable
$0 - $99
  • Click «APPLY ONLINE» to see if you Pre-Qualify
  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
Average, Fair, Limited Credit
Capital One®: Capital One® Platinum Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
26.46% (Variable)
$0
  • Click «APPLY ONLINE» to apply now
  • Pay no annual fee
  • 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
  • Help strengthen your credit for the future with responsible card use
First PREMIER® Bank: First PREMIER® Bank Gold Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Issuer Website
See Issuer Website
  • Must have checking account to qualify
  • A 60 second response could mean a new credit card for you!
  • A Gold credit card offer for those with less than perfect credit.
  • Manage your account online 24/7 free of charge
  • Zero fraud liability protects you from unauthorized charges. Restrictions apply.
  • Only you can rebuild your credit. A First PREMIER Bank Credit Card can be one tool to help in your journey. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month.
  • Easy Online Application!
  • Credit 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 First PREMIER® Bank product
Capital One®: Capital One® QuicksilverOne® Cash Rewards Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
26.46% (Variable)
$39
  • 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
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • 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
First PREMIER® Bank: First PREMIER® Bank Mastercard® Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Issuer Website
See Issuer Website
  • Must have checking account to qualify
  • Reports to the major Consumer Reporting Agencies.
  • We provide a response in 60 seconds or less.
  • Bad Credit? Good Option!
  • Credit limit increase eligibility after 13 months and kept your account in good standing.
  • Know the score! Quarterly FICO score on your monthly billing statements
  • $0 Fraud Liability on unauthorized charges. Restrictions apply.
  • Our application is easy and confidential.
  • Looking for a new credit card? Apply today!
  • Credit 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 First PREMIER® Bank product.
The Bank of Missouri: Fit Mastercard® Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
  • 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 that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required
Fair/Bad Credit
Celtic Bank: Surge Mastercard®
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
See Terms*
See Terms*
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required
The Bank of Missouri: Milestone® Mastercard® with Free Choice of Card Image
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
23.9%
$35 - $99*
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Fair / Good Credit
The Bank of Missouri: Milestone Gold Mastercard®
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
23.9%
$35 - $99*
  • Our application is quick and easy with instant pre-qualification available
  • All credit histories considered
  • Access your account online or from your mobile device 24/7
  • Choice of card image at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Average, Fair, Limited Credit
Capital One®: Capital One® Platinum Credit Card
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
26.46% (Variable)
$0
  • Click «APPLY ONLINE» to apply now
  • Pay no annual fee
  • 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
  • Help strengthen your credit for the future with responsible card use
WebBank: WebBank/Gettington Credit Account
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
29.99% (non-variable)
$0
  • Gettington Credit Account (issued by WebBank)
  • Gettington offers thousands of name brand products and convenient credit.
  • Gettington Credit Account features a low APR, no annual fees**, no hidden fees** and the ability to pay your way:
  • FAST Option: Use this when you want to pay off purchases faster. Make 4 Monthly Payments and you'll be paid in full.
  • EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less - much faster than a typical credit card payback!
  • New customer offer. Free shipping on your first order of $49 with an approved Gettington Credit Account** Enter Code: GTN918
WebBank: WebBank/Fingerhut Credit Account
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
n/a
n/a
See Terms
$0
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Average, Fair, Limited Credit
Capital One®: Journey® Student Rewards from Capital One®
Compare
Apply Online
Summary of Key Features:
Intro APR on Purchases
Intro APR on Balance Transfer
Regular APR
Annual Fee
N/A
N/A
26.46% (Variable)
$0
  • 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
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • Pick the monthly due date that works best for you
  • Get customized alerts and manage your account with the Capital One mobile app


Not Sure Which Card to Choose? Ask Our Experts!
Leo Zhu
Leo Zhu, CreditLand Consultant on Credit Card Questions

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.

See also Credit Cards for:

750-850
Credit Score
700-749
Credit Score
640-699
Credit Score
350-639
Credit Score

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