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.
Experian® Credit Card Marketplace
Get matched to credit cards based on your credit profile
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Card Brand
Visa®
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Rewards Rate
See Terms
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Annual Fee
See Terms
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Monthly Fee
N/A
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Credit Recommended
Any Credit History
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Regular Purchase APR
See Terms
- Full Details
Highlights
Get matched to credit cards based on your credit profile
- Free Experian credit report and FICO® Score* included
- See estimated approval odds for select cards before you apply
- Check if you have pre-approved card offers
See your best matches based on you
- Simply sign in to see the credit cards that best match you
- Compare your best options and make your choice
Milestone® Mastercard® with Cashback Rewards
Greater access to credit than before - $700 credit limit
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Card Brand
MasterCard®
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Rewards Rate
Earn 5% Cashback Rewards on your first $5,000 in gas purchases! See Terms.
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Annual Fee
$250 the first year; $99 thereafter
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Monthly Fee
$0 the first year (billed $0 each month); $231 annually thereafter (billed $19.25 each month)
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Credit Recommended
Fair
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Regular Purchase APR
35.90%
- Full Details
Highlights
- Guaranteed $1,000 credit limit if approved.
- Fuel your savings: Earn 5% Cashback Rewards on your first $5,000 in gas purchases! See Terms.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- Don’t Have Perfect Credit? No Problem!
- No security deposit required—get started today!
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
Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
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Annual Fee
$85-$175 first year, $229 thereafter
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Monthly Fee
N/A
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Credit Recommended
Fair
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Regular Purchase APR
36% Fixed
- Full Details
Highlights
- Earn Cash Back Rewards* – 3% on Eligible 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 PageIndigo® 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
$175 the first year; $49 thereafter
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Monthly Fee
$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
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Credit Recommended
Bad/Poor/Fair
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Regular Purchase APR
35.9%
- Full Details
- Rates & Fees
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.
Imagine® 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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Monthly Fee
N/A
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Credit Recommended
Fair/Poor
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Regular Purchase APR
36% Fixed
- Full Details
Highlights
- Earn Cash Back Rewards* – 3% on Eligible 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.
Card Details PageDestiny® 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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Monthly Fee
$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
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Credit Recommended
Fair
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Regular Purchase APR
35.90%
- Full Details
- Rates & Fees
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!
Reflex® Platinum Mastercard®
Up to $1,000 Initial Credit Limit - Takes less than a Minute!
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Card Brand
MasterCard®
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Rewards Rate
n/a
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Annual Fee
$75 - $125
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Monthly Fee
N/A
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Credit Recommended
Bad to Fair
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Regular Purchase APR
35.90% Fixed
- Full Details
Highlights
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- With responsible card use, you may be able to rebuild or improve your credit
- Unsecured credit card that requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
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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Monthly Fee
$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
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Credit Recommended
Fair
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Regular Purchase APR
35.90%
- Full Details
- Rates & Fees
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!
Fortiva® Cash Back Rewards Mastercard
Up to $1,000 Credit Limit
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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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Monthly Fee
N/A
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Credit Recommended
Fair
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Regular Purchase APR
36% Fixed
- Full Details
Highlights
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Use Anywhere Mastercard is Accepted
- No Security Deposit
- $0 fraud liability**
- Free access to your Credit Score†
*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






