Credit Cards for Fair Credit


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Find the Right Credit Card for Fair Credit
Here you can find online applications for limited and fair credit histories. Along with credit cards, prepaid credit cards are also available. Choose your card and apply online.
Credit One Bank® Visa® Credit Card with Cash Back Rewards
  • 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.
APR: 20.24%-26.24% Variable
ANNUAL FEE: $0 - $99
See card details
WebBank/Fingerhut Credit Account
  • 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).
APR: See Terms
See card details
Horizon Gold
  • Instant $500 Credit Line. No Credit Check.
  • No Employment Check.
  • Must have Active Debit Card or Credit Card to qualify.
APR: 0.00%
See card details
Capital One® Platinum Credit Card
  • 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
APR: 26.96% (Variable)
See card details
See More Credit Cards for Fair/Limited Credit

Apply for a Credit Card with Fair Credit History

Fair credit history is usually considered such when your credit score is between 620 and 659. It is taken by banks as non-reliable for lending money. Fair credit is a fragile situation when you can easily drop to bad credit after missing couple of payments. Having fair credit score puts on you greater responsibility than having good one. Though, only one tiny step separates you from having good credit score.

Most banks have offers for fair credit on different terms and conditions. Even with fair credit there are still available multiple rewards programs, cash backs and low APRs. Of course fair credit credit cards are not provided with high credit limit, but it is possible to make it higher as you manage your credit properly with all your responsibility. Improving or rebuilding of credit score is possible as with limited credit as with average one. No doubt it will take time, but through this time you'll learn to run your credit in the way that insures you from dropping down.

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Easy Credit Cards to Get Approved

If you have fair credit, please don't think that your chances to get an easy credit are lost. There are several ways to your easy approval credit cards. One of these ways is instant approval credit card. Applying for such card you can get response in 60 sec. and start using your card. The card itself will be at your place within several days.

Some banks offer guaranteed approval credit cards to their clients, even though they have fair credit history. This type of approval guarantees that you'll get a credit, if you decide to apply. In general guaranteed approval offers are not les advantageous as usual credit cars but quite the contrary bank guarantees you a credit there by making you sure about approval.

Another way to get easy credit is pre-approved credit cards. Banks send these offers to people they're fully trust. It means that you met certain guidelines such as a minimum credit score or initial deposit. Most pre approved credit cards offer good terms for example, 0% interest rates, low APR and rewards points programs.

Credit Card FAQ

Our credit experts are ready to help you with any problem appeared. Here you can ask any question about fair credit history and any other related questions. Be sure our experts will answer all your possible questions.

There is no magical number of credit cards that is considered right for all consumers. In fact, the number of credit cards you can have depends on your individual credit history, credit score, and the way you manage your credit accounts. Lenders also have their own view on how many credit...
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Credit Card Issuers

Credit cards for fair credit are distributed by main large credit card companies such as Visa, MasterCard and the others. As MasterCard as Visa credit card company they have multiple offers for all kinds of credit histories. And fair credit history doesn't stand aside. Visa and MasterCard provide with interesting products on different terms and conditions. Each company has its own set of rewards, cash backs and points programs. In addition to that, they offer credit cards with low APR, zero interest rates and no fees on transfers. Having such opportunities you'll be able to restore or improve your credit and get a good credit history or even come closer to excellent one.

Among vast range of offers it is easy to find responding to your needs and demands credit card. Make your choice and apply online.

Credit History Center

1. What is Credit Score?

As you have a credit card and use it you are automatically building your credit history. Your credit history contains records about all your credit payments, delays of payment and debts. All these records turn into positive and negative numbers and taken together become your credit score. If you don't use your credit card or use it in an emergency only, you'll most probably have a bad credit history.

2. How to check credit score?

So, how to check credit history? Just address one of the major credit bureaus and get your free credit score report. These credit bureaus are Equifax, Experian and TransUnion. From them you can get a free annual credit report. Of course you can make a request for your credit report more than one time, but for further credit history check you should pay. Credit report contains your credit score and all information about your payments and debts.

Find Out Your Credit Score

3. How to fix bad credit?

Having a fair credit it's easy and difficult at the same time to improve it. The easiest part is there are available credit cards to build or rebuild credit. The hardest part is that you should be sure about your capability to fix your credit deliberately. Repairing your credit isn't easy thing, you should repay on time, do not exceed the limit, plan the spendings. But first of all you should be realistic - don't overestimate your creditworthiness and your capability to deal with it.

Credit Cards for Limited Credit History

Credit card companies provide special credit cards for limited credit history. They offer as totally secured and safe products like prepaid credit cards as more attractive and interesting unsecured cards.

With prepaid cards you shouldn't worry about over limiting, you'll be able to spend only the sum you've put on your card. While unsecured credit card has no deposit to frame you in. So you should be extremely deliberate in your spendings. If you're sure you can manage your credit wisely, you can freely apply. Otherwise look at one more variant - secured credit card. This credit card is like any other credit card, except you should make a security deposit first (a kind of insurance for a bank).

Credit Card Glossary

Fair Credit - People with fair credit may sometimes be late with payments but in general they tend to pay all the...
Fair Credit - People with fair credit may sometimes be late with payments but in general they tend to pay all the bills on time. Also, there might be a bankruptcy in the past or credit history is not long enough. The FICO score range for fair credit is 640-699.
Credit History - Your credit history is a record of past borrowing behavior. Your credit report is a document that...
Credit History - Your credit history is a record of past borrowing behavior. Your credit report is a document that reflects your credit history and lists your personal information including current and past lines of credit, mortgages, auto loans or other debts. Your payment history, employment history, any bankruptcies or loan defaults will appear on your credit report and be used to determine your overall credit score. Information about your credit history is collected by the three major consumer credit bureaus - Experian, TransUnion, and Equifax, and each bureau issues its own credit report for each consumer.
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