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.

☆   Card Spotlight
TODAY’S FEATURED CARD

Experian CreditMatch™

Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!

  • Rating

      

  • Credit Recommended

    Any Credit History

  • Regular Purchase APR

    See Terms

  • Annual Fee

    See Terms

  • Updated For

    Fri 17 Jan 2025

  • Full Details

    Card Page

Aspire® Cash Back Reward Card

Up to $1,000 credit limit subject to credit approval

  • Card Brand

    MasterCard®

  • 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.

  • Annual Fee

    $85-$175 first year, $229 thereafter

  • Credit Recommended

    Fair

  • Regular Purchase APR

    29.99% or 36% Fixed

  • Full Details

    Card Page

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 VantageScore 4.0 score from TransUnion®†

*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 Page

Imagine® Visa® Credit Card

Up to $1,000 credit limit subject to credit approval

  • Card Brand

    Visa®

  • 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.

  • Annual Fee

    As low as $99

  • Credit Recommended

    Fair/Poor

  • Regular Purchase APR

    29.99% or 36% Fixed

  • Full Details

    Card Page

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**
  • Free Access to your Credit Score†
  • The Imagine Card is issued by WebBank

*See Program Terms for important information about the cash back rewards program.

**Zero liability subject to Visa’s Zero Liability Policy.

† 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 WebBank (the issuer of this card) or other creditors to make credit decisions.

Card Details Page

the secured Self Visa® Credit Card

No credit check or score required

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    $25

  • Credit Recommended

    No Credit, New to Credit, Limited Credit, Bad, Poor

  • Regular Purchase APR

    28.24% Variable

  • Full Details

    Card Page

Highlights

The secured Self Visa® Credit Card¹ is designed to help you build or rebuild your credit with confidence.  No credit check or score required.

  • The secured Self Visa® Credit Card is a low annual fee credit card that helps you build your credit when used responsibly.
  • Unlike a debit card, it reports your payment history to all 3 major credit bureaus, helping you build credit history.
  • Use your card anywhere Visa® is accepted in the US.
  • A $100 minimum security deposit is required². Once approved, your credit limit will be equal to your security deposit.
  • Get help staying on track with Autopay and account alerts.
  • Manage your account 24/7 online, by phone, or in our mobile app.
Card Details Page

Destiny® Mastercard® with Instant Credit

Instant: Once approved, add your card to your mobile wallet and shop today.

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    See Terms

  • Credit Recommended

    Poor to Good

  • Regular Purchase APR

    See Terms

  • Full Details

    Card Page

Highlights

  • Access credit immediately through a mobile wallet. Identity authentication required. See application for additional details.
  • Get the Destiny® Mastercard® in your mobile wallet today.
  • Apply today and shop today!
  • Instant: Once approved, add your card to your mobile wallet and shop today.
  • Easy: We’ll help you add your card to your mobile wallet for instant access.
  • Convenient: Use in-store, online or in-app to shop today.
  • Get started now so you can shop today! – Shop today with Apple Pay® or Google Pay ™
  • Start shopping today in-store, online or in-app using your mobile wallet.
  • Shop today! Don’t wait!
  • Start shopping right away.
  • Get started now so you can shop today!
  • Use your mobile phone to add the Destiny card to your mobile wallet and access credit immediately.
  • Don’t wait for your card in the mail; if approved, just add it to your mobile wallet with Apple Pay® or Google Pay™ to start shopping right away.
  • Add The Destiny Card To Your Mobile Wallet With Apple Pay® or Google Pay™
  • Start shopping today with Destiny Mastercard, apply now!
Card Details Page

Milestone® Mastercard®

Greater access to credit than before - $700 credit limit

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    See Terms

  • Credit Recommended

    Fair/Good

  • Regular Purchase APR

    See Terms

  • Full Details

    Card Page

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
Card Details Page

Indigo® Mastercard® for Less than Perfect Credit

Higher limit than before, still no security deposit required!

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    See Terms

  • Credit Recommended

    Bad/Poor/Fair

  • Regular Purchase APR

    35.9%

  • Full Details

    Card Page

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.
Card Details Page

Fortiva® Mastercard® Credit Card

Up to $1,000 credit limit subject to credit approval

  • Card Brand

    MasterCard®

  • 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.

  • Annual Fee

    $85-$175 first year, $229 thereafter

  • Credit Recommended

    Fair

  • Regular Purchase APR

    29.99% or 36% Fixed

  • Full Details

    Card Page

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 Page

Arro Card

All credit types accepted

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    $3/month; $1/month for the 1st year

  • Credit Recommended

    All Credit Types Accepted

  • Regular Purchase APR

    16% Variable

  • Full Details

    Card Page

Highlights

  • All credit types accepted.
  • Arro’s soft credit pull does not impact your credit score.
  • Through in-app personal finance activities, members receive real time credit limit increases and other rewards.
  • Opportunities to decrease your interest rate.
  • Use your Arro Card anywhere Mastercard is accepted.
  • Application takes as little as 5 minutes.
Card Details Page

PREMIER Bankcard® Gold Credit Card

Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    See Provider Website

  • Credit Recommended

    Fair/Poor

  • Regular Purchase APR

    See Provider Website

  • Full Details

    Card Page

Highlights

  • Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority.
  • PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
  • Credit limit increase eligible after 12 months of consistent responsible account management.
  • We’ll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • Award-winning, U.S.-based customer service
Card Details Page

Upgrade Select Visa®

See if you qualify in minutes without hurting your credit score

  • Card Brand

    Visa®

  • Rewards Rate

    Up to 10% cash back from your favorite brands with Upgrade Shopping

  • Annual Fee

    $39.00

  • Credit Recommended

    Fair

  • Regular Purchase APR

    21.96% -29.99% APR

  • Full Details

    Card Page

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Combine the flexibility 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 offer. 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 offers 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.

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

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