Credit Cards for Fair Credit
Despite what you may think, having fair credit does not disqualify you from obtaining a credit card. In fact, there are numerous credit cards available that cater specifically to individuals with fair credit, offering a range of benefits to help improve your finances. Whether you’re interested in the Surge Mastercard credit card or the First Access Visa credit card, we can help you find the ideal offer that meets your needs. Our search takes into account key factors such as interest rates, fees, credit requirements, and brand information, ensuring that you can select the right credit card at the appropriate time.
PREMIER Bankcard® Mastercard® Credit Card
Start building credit by keeping your balance low and paying all your bills on time each month
- Rating
- Credit Recommended
Fair/Poor
- Regular Purchase APR
See Provider Website
- Annual Fee
See Provider Website
- Updated For
Fri 27 Jun 2025
- Full Details
Aspire® Cash Back Rewards Mastercard
Up to $1,000 credit limit subject to credit approval
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Card Brand
MasterCard
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Rewards Rate
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
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Annual Fee
$85-$175 first year, $229 thereafter
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Credit Recommended
Fair
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Regular Purchase APR
36% Fixed
- Full Details
Highlights
- Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
- No security deposit
- Free Access to your Credit Score†
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Card Details PageImagine® Visa® Credit Card
Up to $1,000 credit limit subject to credit approval
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Card Brand
Visa
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Rewards Rate
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
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Annual Fee
As low as $99
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Credit Recommended
Fair/Poor
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Regular Purchase APR
36% Fixed
- Full Details
Highlights
- Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- $0 fraud liability**
- No Security Deposit
- The Imagine Card is issued by WebBank
- Review Cardholder Agreement for rate and fee information
*See Program Terms for important information about the cash back rewards program.
**Zero liability subject to Visa’s Zero Liability Policy.
Destiny® Mastercard® – Up to 3% Cashback Rewards
No security deposit required—get started today!
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Card Brand
MasterCard
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Rewards Rate
Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases and 1% Cashback Rewards on all other purchases
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Annual Fee
$175 the first year; $49 thereafter
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Credit Recommended
Fair
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Regular Purchase APR
35.90%
- Full Details
Highlights
- A rewards card for people with less-than-perfect credit!
- Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
- A guaranteed $700 credit limit to help you build access to credit, if approved.
- With Cashback Rewards, you get to live like an A-lister.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
- No security deposit required—get started today!
Indigo® Mastercard® for Less than Perfect Credit
Higher limit than before, still no security deposit required!
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Card Brand
MasterCard
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Rewards Rate
n/a
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Annual Fee
See Terms
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Credit Recommended
Bad/Poor/Fair
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Regular Purchase APR
35.9%
- Full Details
Highlights
- Now with higher credit limits
- Increase your access to available credit
- Higher limit than before, still no security deposit required!
- Greater access to credit than before
- Less than perfect credit is okay
- Mobile account access at any time
- Account history is reported to the three major credit bureaus in the U.S.
Destiny® Mastercard® with Instant Credit
A guaranteed $700 credit limit to help get your financial goals on track, if approved.
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Card Brand
MasterCard
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Rewards Rate
n/a
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Annual Fee
$175 the first year; $49 thereafter
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Credit Recommended
Fair
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Regular Purchase APR
35.90%
- Full Details
Highlights
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Don’t wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
- No security deposit, just instant purchasing power. See Terms.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
Milestone® Mastercard® – 1.5% Cashback Rewards
Unlimited 1.5% Cashback Rewards earned on every purchase
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Card Brand
MasterCard
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Rewards Rate
Unlimited 1.5% Cashback Rewards earned on every purchase
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Annual Fee
$175 the first year; $49 thereafter
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Credit Recommended
Fair
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Regular Purchase APR
35.90%
- Full Details
Highlights
- Turn everyday purchases into 1.5% Cashback Rewards!
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
- No upfront security deposit required so you can keep more money in your pocket.
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- A rewards card for people with less than perfect credit!
Milestone® Mastercard®
Greater access to credit than before - $700 credit limit
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Card Brand
MasterCard
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Rewards Rate
n/a
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Annual Fee
See Terms
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Credit Recommended
Fair/Good
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Regular Purchase APR
See Terms
- Full Details
Highlights
- Greater access to credit than before – $700 credit limit
- Get a Mastercard accepted online, in store and in app
- Account history is reported to the three major credit bureaus in the U.S.
- $0 liability for unauthorized use
- Access your account online or from your mobile device 24/7
Fortiva® Cash Back Rewards Mastercard
Up to $1,000 credit limit subject to credit approval
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Card Brand
MasterCard
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Rewards Rate
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
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Annual Fee
$85-$175 first year, $229 thereafter
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Credit Recommended
Fair
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Regular Purchase APR
36% Fixed
- Full Details
Highlights
- Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Use Anywhere Mastercard is Accepted
- $0 fraud liability**
- Free access to your VantageScore 4.0 credit score from TransUnion®†
*See Program Terms for important information about the cash back rewards program.
**Fraud liability subject to Mastercard rules.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Card Details PageArro Card
No hard inquiry to apply
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Card Brand
MasterCard
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Rewards Rate
n/a
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Annual Fee
$36* (*discounted in Year 1 for starting credit lines under $200)
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Credit Recommended
All Credit Types Accepted
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Regular Purchase APR
16% Variable
- Full Details
Highlights
- No hard inquiry to apply.
- Apply in 5 minutes or less.
- Get up to $200 with the unsecured Arro Card. Grow your credit line up to $2,500.
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit as you master your personal finances in the Arro app.
- Reports to all 3 credit bureaus.
- The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
Upgrade Select Visa®
See if you qualify in minutes without hurting your credit score
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Card Brand
Visa
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Rewards Rate
Up to 10% cash back from your favorite brands with Upgrade Shopping
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Annual Fee
$39.00
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Credit Recommended
Fair
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Regular Purchase APR
21.96% -29.99% APR
- Full Details
Highlights
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Combine the fl exibility of a card with the predictability of a personal loan
- Up to 10% cash back from your favorite brands with Upgrade Shopping
- See if you qualify in seconds with no impact to your credit score
- No touch payments with contactless technology built in
- Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.
State Exclusions: DC, IA, WV, WI, CT, GA, MA
Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/20415490542747-Upgrade-Select-Card-details
Card Details Page