ADVERTISING DISCLOSURE
ADVERTISING DISCLOSURE:
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
Credit-Land.com is an independent, advertising-supported web site. Credit-Land.com receives compensation from most issuers whose offers appear on our site. Compensation from our advertising partners impacts how and where their products appear on our site, including, for example, the order in which they may appear within review lists. Credit-Land.com has not reviewed all available credit card offers in the marketplace.
March 2023: 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.
- Cards of March 2023
- Unsecured Cards
- Secured Cards
- Personal Loans
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% Intro APR for 12 billing cycles on balance transfers made in the first 90 days
Regular APR
12.49% - 18.00% Variable APR
Annual Fee
None
Credit Pull
See Terms
- Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
- Earn 1 point for every $1 spent on everyday purchases
- No annual fee or balance transfer fee
- Points never expire while account is open and in good standing
- Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
29.99% (Variable)
Annual Fee
$0
Credit Pull
Hard Pull
- Click "APPLY ONLINE" to apply now
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's 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
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
29.99% (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
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- 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
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Pull
See Provider Website
- Don’t let a low FICO score stop you from applying – we approve applications others may not.
- You don’t need good credit to apply.
- Just complete the short application and find out in 60 seconds if you’re approved.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- 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
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Pull
See Provider Website
- Everyone deserves a chance to build** credit: apply today!
- PREMIER Bankcard credit cards are for building credit.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
- 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
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
26.99 - 29.99% (Variable)
Annual Fee
$0
Credit Pull
See Terms
- See if you qualify instantly without harming your credit score.
- Enjoy Unlimited 1 - 1.5% Cash Back on all Purchases.
- Be automatically considered for a higher credit line in as few as 7 months.
- Free, online credit score access for cardholders.
- Instant decision on your application.
- No interest on purchases when you pay in full and on time each month.
- No security deposit required – get started today!
- Enjoy coverage from Visa®.
- Access your account anytime, anywhere with our mobile app.
- If you are charged interest, the charge will be no less than $0.50.
our choice
our choice
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Minimum Income Required
See terms
Minimum Age of a Borrower
18
- Get the savings plan that helps build credit today!
- Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus.
- Sample product: A $545.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.65%. Please refer to www.self.inc/pricing for the most recent pricing options.
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Pull
See Provider Website
- You don’t need good credit to apply.
- We help people with bad credit, every day.
- Just complete the short application and find out in 60 seconds if you’re approved.
- You can build** or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
- Don’t let a low FICO score stop you from applying – we approve applications others may not.
- 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
our choice
Intro APR on Purchases
0% Intro APR (6 months)
Intro APR on Balance Transfer
10.99% Intro APR (6 months)
Regular APR
17.74% - 26.74% 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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.74% - 26.74% applies.
- Click through to Discover’s website to see terms and conditions.
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Pull
See Provider Website
- Don’t let a low FICO score stop you from applying – we approve applications others may not.
- You don’t need good credit to apply.
- PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
- Everyone deserves a chance to build** credit: apply today!
- Just complete the short application and find out in 60 seconds if you’re approved.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- 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
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
0% Intro APR for 12 billing cycles on balance transfers made in the first 90 days
Regular APR
12.49% - 18.00% Variable APR
Annual Fee
None
Credit Pull
See Terms
- Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
- Earn 1 point for every $1 spent on everyday purchases
- No annual fee or balance transfer fee
- Points never expire while account is open and in good standing
- Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
35.99%
Annual Fee
$75.00 for first year. After that, $48.00 annually.
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 worldwide and online.
- Build up your credit history 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.
- Designed to help overcome credit issues; you may be approved even if you’ve been declined elsewhere.
- You may be eligible for a Credit Line Increase after 12 months.
- Easy and secure online application – It takes just 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
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
- Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion®!
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine Visa credit 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
our choice
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
- $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
our choice
our choice
Intro APR on Purchases
0% Intro APR (6 months)
Intro APR on Balance Transfer
10.99% Intro APR (6 months)
Regular APR
17.74% - 26.74% 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, and gas stations, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.74% - 26.74% applies.
- Click through to Discover’s website to see terms and conditions.
our choice
our choice
Intro APR on Purchases
0% Intro APR (6 months)
Intro APR on Balance Transfer
10.99% Intro APR (6 months)
Regular APR
17.74% - 26.74% 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.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.74% - 26.74% applies.
- Click through to Discover’s website to see terms and conditions.
our choice
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
- 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
- Online Customer Center available 24 x 7
- Checking account required
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
19.99% - 29.99% (Variable)
Annual Fee
$0-$59
Credit Pull
Hard Pull
- See if you qualify instantly without harming your credit score.
- Be automatically considered for a higher credit line in as few as 7 months.
- Free, online credit score access for cardholders.
- Instant decision on your application.
- No interest on purchases when you pay in full and on time each month.
- No security deposit required – get started today!
- Enjoy coverage from Visa®.
- Access your account anytime, anywhere with our mobile app.
- If you are charged interest, the charge will be no less than $0.50.
our choice
our choice
Intro APR on Purchases
See website for Details*
Intro APR on Balance Transfer
See website for Details*
Regular APR
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
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
- 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
- Online Customer Center available 24 x 7
- Checking account required
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
our choice
our choice
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® Checking 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 interest3
- No credit check to apply
- No minimum security deposit required1
- 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 lenders2
- The Chime Credit Builder Visa® Card is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
- 1Money added to Credit Builder will be held in a secured account as collateral for your Credit Builder Visa card, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
- 2Credit score calculated based on FICO® Score 8 model. Your lender or insurer may use a different FICO® Score than FICO® Score 8, or another type of credit score altogether. Learn More
- 3Out-of-network ATM withdrawal fees apply except at MoneyPass ATMs in a 7-Eleven location or any Allpoint or Visa Plus Alliance ATM.
our choice
our choice
Intro APR on Purchases
N/A
Intro APR on Balance Transfer
N/A
Regular APR
See Provider Website
Annual Fee
See Provider Website
Credit Pull
See Provider Website
- There’s no checking account required.
- When you need assistance, our award-winning, U.S.-based Customer Service representatives are there to help.
- After six months of responsible secured card use you may be eligible§ to apply for an unsecured PREMIER Bankcard® Mastercard®.
- §PREMIER Bankcard® Mastercard® available upon invitation after you’ve been with us for six months and have kept your account in good standing (on-time payments and staying within credit limit).
- If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply.§§
- §§If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.
our choice
