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 Credit Match

Get matched to credit cards based on your credit profile

  • Rating

      

  • Credit Recommended

    Any Credit History

  • Regular Purchase APR

    See Terms

  • Annual Fee

    See Terms

  • Updated For

    Thu 18 Apr 2024

  • 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 a 3% Cash Back Reward

  • Annual Fee

    As low as $85

  • Credit Recommended

    Fair

  • Regular Purchase APR

    29.99% or 36% Fixed

  • Full Details

    Card Page

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* 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 (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

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

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

Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

  • Card Brand

    MasterCard®

  • Rewards Rate

    Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.

  • Annual Fee

    As low as $85

  • Credit Recommended

    See website for Details

  • Regular Purchase APR

    29.99% or 36% Fixed

  • Full Details

    Card Page

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Good 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

PREMIER Bankcard® Mastercard® Credit Card

Start building credit by keeping your balance low and paying all your bills on time each month

  • 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

  • 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.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.
  • Credit Limit Increase Eligible after 12 months of consistent responsible account management.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.
Card Details Page

Avant Credit Card

Fast and easy application process

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    $59

  • Credit Recommended

    Fair to Good

  • Regular Purchase APR

    35.99% Variable

  • Full Details

    Card Page

Highlights

  • No deposit required
  • Reports to all three major credit bureaus
  • No penalty APR
  • No hidden fees
  • Late Fee up to $39
  • We may periodically review your account for credit line increases
  • Fast and easy application process
  • Help strengthen your credit history with responsible use
  • Zero fraud liability for unauthorized charges
  • Conveniently pay your card through our online portal, 24/7
  • Get Mastercard® ID Theft Protection by Mastercard
  • Disclosure: If you are charged interest, the charge will be no less than $1.00. Cash Advance Fee 3%, Min: $10
  • Checking your eligibility does not affect your credit score
  • Avant branded credit products are issued by WebBank, member FDIC
  • See the Provider’s terms for more information
Card Details Page

Upgrade Select Visa®

See if you qualify in minutes without hurting your credit score

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • 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
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Mobile app to access your account anytime, anywhere

*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/360007229514-What-rates-does-Upgrade-offer-on-its-Personal-Credit-Lines

Card Details Page

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