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May 2020. 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 May 2020
  • Secured Cards
  • Personal Loans
Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide

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
  • YOU’RE NOT ALONE – First PREMIER Bank values its customers and employees and helping them build a bright future.**
  • WORKING TOGETHER - Since 1989, First PREMIER Bank has worked to help individuals and families with less-than-perfect credit obtain the credit they need to improve their financial health.**
  • Looking to build credit? We report to the major consumer reporting agencies monthly**
  • Apply online for a credit card to build credit**
  • Fast, easy & secure online applications
  • Credit limit increases can be evaluated after 12 months. Just ask!

our choice

Reporting to the Major Consumer Reporting Agencies

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

Apply for Surge Mastercard® - Credit-Land.com

Rating 3.7

APPLY

Fair/Bad Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
25.90% – 29.99%
Annual Fee
$75 - $99
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • 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

No Credit Check

Unsecured Credit Card

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
  • YOU CAN DO MORE THAN JUST GET BY - First PREMIER Bank values its customers and employees and helping them build a bright future.**
  • Looking to build a credit future? We report to the major consumer reporting agencies monthly**
  • Reports to consumer reporting agencies help you monitor your financial progress to build credit history (build credit by keeping your balance low and paying on time every month)
  • Access to credit, and the things you need (subject to available credit)
  • First PREMIER customer service: helpful, friendly, fast
  • Apply online for a credit card to build credit**

our choice

Reporting to the Major Consumer Reporting Agencies

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

Apply for NextDayPersonalLoan.com - Credit-Land.com

Rating 4.3

APPLY

All Credit Types 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 2 minutes or less
  • Direct deposit as soon as the next business day
  • All credit types considered
  • Safe and secure online form

our choice

Instant Response

No Credit Check

Apply for Horizon Gold - 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
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.

our choice

0% Intro 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
0% (first 3 months on Purchases)
Intro APR on Balance Transfer
N/A
Regular APR
17.39% (variable)
Annual Fee
$35
  • 0% introductory APR on all purchases for the first three months
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% (first 3 months on Purchases)

Ongoing APR on Purchases:
17.39% (variable)

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
See Terms*
Annual Fee
See Terms*
  • 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.

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

See Terms*

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

Apply for Total Visa Card - Credit-Land.com

Rating 3.7

APPLY

Bad/Fair Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See Terms*
Annual Fee
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
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

Use this card everywhere Visa cards are accepted

our choice

Intro APR on Purchases
n/a
Intro APR on Balance Transfer
n/a
Regular APR
9.99% (Fixed)
Annual Fee
$48
  • Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

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

Rating 4.5

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
  • Bad Credit, Low Score? No Problem!
  • Build your Credit with responsible handling of your account
  • Receive a $500 Credit Line
  • Easy Application with Immediate Results
  • No Credit Check

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
n/a

Ongoing APR on Purchases:
0.00%

Instant Response

Guaranteed Approval

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 Terms*
Annual Fee
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
  • 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!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri

our choice

Instant Response

Reporting to the Major Consumer Reporting Agencies

Unsecured Credit Card

$95

Build Credit

Apply for New Credit Choice - Credit-Land.com

Rating 3.9

APPLY

Any Credit

our choice

Intro APR on Purchases
See terms
Intro APR on Balance Transfer
See terms
Regular APR
See terms
Annual Fee
See terms
  • Get Your Credit Card Today!
  • Get a response in as little as 60 seconds.
  • Good, Bad, and No Credit are accepted.
  • Find the right credit card matched to your credit profile.

our choice

Instant Response

No Credit Check

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

our choice

Intro APR on Purchases
0% (first 3 months on Purchases)
Intro APR on Balance Transfer
N/A
Regular APR
17.39% (variable)
Annual Fee
$35
  • 0% introductory APR on all purchases for the first three months
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search "OpenSky Card" in Facebook.)
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card

our choice

0% Intro APR on Purchases

Intro APR on Purchases:
0% (first 3 months on Purchases)

Ongoing APR on Purchases:
17.39% (variable)

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
9.99% (Fixed)
Annual Fee
$48
  • Better than Prepaid…Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won´t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. * Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for Green Dot <i>primor</i>® Visa® Gold Secured Credit Card - Credit-Land.com

Rating 3.4

APPLY

at Green Dot primor's secure site

Poor/Limited/No Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
9.99% (Fixed)
Annual Fee
$49
  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Visa® Gold Secured Credit Card details

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for Green Dot <i>primor</i>® Visa® Classic Secured Credit Card - Credit-Land.com

Rating 3.4

APPLY

at Green Dot primor's secure site

Poor/Limited/No Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
13.99% (Fixed)
Annual Fee
$39
  • Credit lines available from $200 to $5,000! Low fixed 13.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Visa® Classic Secured Credit Card details

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Apply for Green Dot <i>primor</i>® Mastercard® Gold Secured Credit Card - Credit-Land.com

Rating 3.4

APPLY

at Green Dot primor's secure site

Poor/Limited/No Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
9.99% (Fixed)
Annual Fee
$49
  • Credit lines available from $200 to $5,000! Super Low Fixed 9.99% interest rate on purchases - with no penalty rate!
  • No minimum credit score requirements! We invite all credit types to apply! No processing or application fees!
  • Helps strengthen your credit with responsible card use. Reports to three national bureaus
  • Fast, easy application process. Choose your credit line and open your Personal Savings Deposit Account to secure your line.
  • See additional Green Dot primor® Mastercard® Gold Secured Credit Card details

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

our choice

Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.99% (V)
Annual Fee
$29
  • Invest your tax refund to improve your credit by making the refundable deposit for your new secured card today
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum Mastercard® Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI * See Card Terms.
  • Apply in just a few moments with no negative impact to your credit score; no credit inquiry will be recorded in your credit bureau file

our choice

Reporting to the Major Consumer Reporting Agencies

No Credit Check

Secured Credit Card

Build Credit

Rating
Intro APR on Purch. Period
Intro APR on Bal. Tr. Period
Avg. Regular APR
Annual Fee
Hide
Apply for NextDayPersonalLoan.com - Credit-Land.com

Rating 4.3

APPLY

All Credit Types 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 2 minutes or less
  • Direct deposit as soon as the next business day
  • All credit types considered
  • Safe and secure online form

our choice

Instant Response

No Credit Check

Apply for Citrus Loans - Credit-Land.com

Rating 4.3

APPLY

Any Credit

our choice

Maximum Loan Amount
$1,000
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

No Employment Required

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

Apply for LifeLoans - 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

Apply for cashusa.com - Credit-Land.com

Rating 3.6

APPLY

Any Credit

our choice

Maximum Loan Amount
$10,000
Minimum Loan Amount
$500
Minimum Income Required
$1,000 (net)
Minimum Age of a Borrower
18
  • Complete our secure online form
  • Review the offer presented
  • Receive funds in your account, if approved

our choice

No Credit Check

Apply for MyMegaLoan.com - Credit-Land.com

Rating 4.3

APPLY

All Credit Welcome

our choice

Maximum Loan Amount
$35,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
See terms
  • Borrow $100 to $35,000 - Fast
  • Instant Decision - Minimal Paperwork
  • Safe, Secure, & Trusted form
  • All credit types welcome!

our choice

Instant Response

Apply for 5kfunds - Credit-Land.com

Rating 4.3

APPLY

All Credit Welcome

our choice

Maximum Loan Amount
$35,000
Minimum Loan Amount
$100
Minimum Income Required
See terms
Minimum Age of a Borrower
See terms
  • Borrow $100 to $35,000 - Fast
  • Instant Decision - Minimal Paperwork
  • Safe, Secure, & Trusted form
  • All credit types welcome!

our choice

Instant Response

making strides WITH
FAIR CREDIT

As you can see, there are options out there for people with fair credit that offer cash back rewards. You can even get 1% cash back on purchases and watch your savings climb. But that's not all.

When used wisely, by making on time payments and keeping account balances below their credit limits, cards for fair credit may also 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.

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questionsABOUT CREDIT CARDS
FOR FAIR CREDIT

How can someone with fair credit get a credit card with a high limit?

If you have a fair credit score – in the 620 to 680 range – there are many credit cards available to you, but you may not be granted a very high credit limit. It depends not only on your credit score, but also on...

Read more
What is considered to be a fair credit score?

If your credit score is in the mid-600s, between about 620 and 680, then your credit is considered fair. Credit cards for fair credit are the best bet for you – and there are plenty to pick from. The general breakdown...

Read more
Can I Get A Credit Card With Fair Credit But A Judgment On My Report?

Getting a credit card is top priority for most people irrespective of their age or social status. Having your own independence in terms of being able to pay is all important and a credit card provides just that above...

Read more
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NOT SURE WHICH CARD TO CHOOSE?

Ask our Experts and get free advice to your email!

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commentsABOUT CREDIT CARDS
FOR FAIR CREDIT

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