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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

  • Annual Fee

    See Terms

  • Updated For

    Sat 30 Sep 2023

  • Full Details

    Card Page

Mission Lane Visa® Credit Card

See if you qualify instantly without harming your credit score

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    $0-59

  • Credit Recommended

    Fair

  • Regular Purchase APR

    26.99 - 29.99% Variable

  • Full Details

    Card Page

Highlights

  • See if you qualify instantly without harming your credit score.
  • Be automatically considered for a higher credit line in as few as 7 months.
  • Free, online credit score access for cardholders.
  • Instant decision on your application.
  • No interest on purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.
Card Details Page

First Access Visa® Card

Perfect credit not required for approval; we may approve you when others won’t

  • Card Brand

    Visa®

  • Rewards Rate

    1% Cash Back

  • Annual Fee

    $75.00 1st year, $48.00 after*

  • Credit Recommended

    Fair

  • Regular Purchase APR

    35.99%*

  • Full Details

    Card Page

Highlights

Card Details Page

Destiny Mastercard®

Less than perfect credit is okay, even with a prior bankruptcy!

  • 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

  • All the benefits of a Mastercard, without a security deposit
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus
  • Less than perfect credit is okay, even with a prior bankruptcy!
Card Details Page

First Digital Mastercard®

Get a result in as little as 60 seconds upon completion of the online application.

  • Card Brand

    Visa®

  • Rewards Rate

    1% Cash Back

  • Annual Fee

    $75.00 1st year, $48.00 after*

  • Credit Recommended

    Poor/Damaged/Fair

  • Regular Purchase APR

    35.99%*

  • Full Details

    Card Page

Highlights

  • Earn 1% cash back rewards on payments made to your First Digital Credit Card
  • Checking Account Required
  • $300 credit limit (subject to available credit)
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • *See Rates, Fees, Costs & Limitations for complete offer details
  • See Cash Back Rewards Programs Terms & Conditions for details

 

  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Designed to help overcome credit issues; you may be approved even if you’ve been declined elsewhere.
  • You may be eligible for a Credit Line Increase after 12 months.
  • Easy and secure online application – It takes just moments to apply.
  • If approved, just pay the one-time Program Fee to gain access to your new account and credit line (subject to available credit).
  • Receive your card more quickly with optional Expedited Processing (additional fee applies).
  • Get a result in as little as 60 seconds upon completion of the online application.
  • Online Customer Center available 24 x 7.
  • Issued by Synovus Bank, Member: FDIC
Card Details Page

Self Credit Builder + Credit Card Combo

Reports to all 3 credit bureaus. No hard credit pull and no credit history required

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    One Time $9 - $15 Account Fee (Varies by Product)

  • Credit Recommended

    No Credit History

  • Regular Purchase APR

    12.03% - 15.98% (Varies by Product)

  • Full Details

    Card Page

Highlights

  • Savings plans start at $25/month and includes credit monitoring
  • Reports to all 3 credit bureaus. No hard credit pull and no credit history required
  • Self helps you get a small loan that you save in a CD for 12 or 24 months (FDIC- insured certificate of deposit bank account)
  • At the end of account term you’ve built credit history and your CD savings unlocks
Card Details Page

Revvi Card

Fast and easy application; response provided in seconds

  • Card Brand

    Visa®

  • Rewards Rate

    1% Cash Back

  • Annual Fee

    $75.00 1st year, $48.00 after*

  • Credit Recommended

    Fair

  • Regular Purchase APR

    35.99%*

  • Full Details

    Card Page

Highlights

Card Details Page

Reflex® Platinum Mastercard®

Up to $1,000 credit limit doubles up to $2,000*

  • Card Brand

    MasterCard®

  • Rewards Rate

    n/a

  • Annual Fee

    See Terms*

  • Credit Recommended

    Bad to Fair

  • Regular Purchase APR

    See Terms*

  • Full Details

    Card Page

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)

* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.

Card Details Page

Surge® Platinum Mastercard®

Up to $1,000 credit limit doubles up to $2,000*

  • Card Brand

    Visa®

  • Rewards Rate

    n/a

  • Annual Fee

    See Terms*

  • Credit Recommended

    Bad/Fair

  • Regular Purchase APR

    See Terms*

  • Full Details

    Card Page

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Checking Account Required
  • Mastercard Zero Liability Protection (subject to Mastercard guidelines)

Give Your Credit a Surge

It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!

How it Works

The Surge credit card is designed for people with less than perfect credit who want to get back on track. After you complete our short and easy online application, your results will be ready in a matter of seconds! Don’t miss this chance to Surge!

Why Choose the Surge Card?

If you have poor credit and are trying to improve your credit score, using a credit card responsibly may help. The Surge Mastercard® will report your payment activity to the three major credit bureaus on a monthly basis. Maintaining a low balance and paying your bill on time every month are two of the best practices for positive credit.

Get Approved Today!

It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!

* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.

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

Mission Lane Cash Back Visa® Credit Card

Enjoy Unlimited 1-1.5% Cash Back on all Purchases

  • Card Brand

    Visa®

  • Rewards Rate

    1-1.5% Unlimited Cash Back

  • Annual Fee

    $0.00

  • Credit Recommended

    Fair, Good

  • Regular Purchase APR

    26.99 - 29.99% Variable

  • Full Details

    Card Page

Highlights

  • See if you qualify instantly without harming your credit score.
  • Enjoy Unlimited 1-1.5% Cash Back on all Purchases.
  • Be automatically considered for a higher credit line in as few as 7 months.
  • Free, online credit score access for cardholders.
  • Instant decision on your application.
  • No interest on purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.
  • If you are charged interest, the charge will be no less than $0.50.
Card Details 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 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

    30.24% 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
Card Details Page

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Excellent Credit

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Good Credit

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Fair Credit

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Poor Credit

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Bad Credit

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Limited Credit

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No Credit