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Credit Cards for Fair Credit – Credit Cards for Average Credit Credit Cards for Fair Credit

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on Capital One's secure site

Capital One QuicksilverOne Cash Rewards Credit Card

 

Rated 4/5 stars by our editorial team

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4.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

(2) Over the Past 60 Days!
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on Capital One's secure site

  • Rewards Rate

    1.5% Cash Back on every purchase, every day

  • No Limits or Restrictions

    No rotating categories, cash back won't expire for the life of the account and no limit to how much you can earn

  • Regular Purchase APR

    26.99% (Variable)


Highlights

  • Click "APPLY NOW" to apply online
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Be automatically considered for a higher credit line in as little as 6 months
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app
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on Avant's site

AvantCard Credit Card

 

Rated 4/5 stars by our editorial team

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4.0/5.0 from 3 Offer Ratings
Over the Past 60 Days!

(3) Over the Past 60 Days!
  • Apply Online

    Fast and easy application process

  • No Hidden Fees

    No deposit required and no penalty APR

  • Regular APR

    24.99%* Variable APR


Highlights

  • Fast and easy application process
  • No deposit required
  • No hidden fees
  • No penalty APR
  • Report to all three major credit bureaus
  • Zero fraud liability for unauthorized charges
  • Avant branded credit products are issued by WebBank, member FDIC
  • Disclosure: If you are charged interest, the charge will be no less than $1.00
  • Late Fee up to $39

See additional details for AvantCard Credit Card

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on Capital One's secure site

Capital One Platinum Credit Card

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 5 Offer Ratings
Over the Past 60 Days!

(5) Over the Past 60 Days!
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on Capital One's secure site

  • Credit Line Increase

    Be automatically considered for a higher credit line in as little as 6 months

  • Annual Fee

    Pay no annual fee

  • Regular Purchase APR

    26.99% (Variable)


Highlights

  • Click "APPLY NOW" to apply online
  • Pay no annual fee
  • Be automatically considered for a higher credit line in as little as 6 months
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help build your credit through responsible use of a card like this

See additional details for Capital One Platinum Credit Card

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on Genesis FS Card Services's secure site

Indigo® Platinum Mastercard®

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 6 Offer Ratings
Over the Past 60 Days!

(6) Over the Past 60 Days!
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on Genesis FS Card Services's secure site

  • Easy Pre-qualification

    Quick pre-qualification available with no impact to your credit score*

  • Custom Card Design

    Pick from multiple card designs at no extra charge*

  • Reports to Credit Bureaus

    Account history is reported to the three major credit bureaus in the U.S.


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0 - $99

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Easy pre-qualification process with fast response
  • Don't have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.

See additional details for Indigo® Platinum Mastercard®

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on Petal's secure site

Petal® 2 Cash Back, No Fees Visa® Credit Card

 

Rated 3/5 stars by our editorial team

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3.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!
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on Petal's secure site

  • Cash Back

    Earn 1% cash back on eligible purchases right away, and 2% to 10% cash back at select merchants

  • Build Credit

    Those with thin to no credit file may be accepted based on Cash Flow underwriting alone. Petal card is reported to all 3 major credit bureaus.

  • No Fees Of Any Kind

    No late fee, foreign transaction fee, or annual fee.


Highlights

  • Click "APPLY NOW" to apply online
  • No fees whatsoever. No late fee, foreign transaction fee, annual fee, or any-other-kind-of-fee, fee.
  • Up to 1.5% cash back on eligible purchases after making 12 on-time monthly payments.
  • 1% cash back on eligible purchases right away
  • 2% - 10% cash back at select merchants
  • $300 - $10,000 credit limits
  • Variable APRs range from 12.99% - 26.99%
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • See if you're pre-approved within minutes without impacting your credit score.
  • Build credit alongside hundreds of thousands of Petal Card members.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required
  • Card issued by WebBank, Member FDIC
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on Credit One Bank's secure site

Credit One Bank® Platinum Rewards Visa

 

Rated /5 stars by our editorial team

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0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
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on Credit One Bank's secure site

  • Rewards Rate

    Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply

  • Cash Back

    Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply

  • Fraud Protection

    With $0 Fraud Liability, you won’t be responsible for unauthorized charges


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $95

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 5% cash back rewards on the first $5,000 of eligible gas, grocery, internet, cable, satellite TV, and mobile phone service purchases each year, and then 1% thereafter. Plus 1% cash back rewards on all other purchases, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges     
  • Automatically earn More Cash Back Rewards for using your Credit One Bank card at participating merchants, terms apply 
  • If you are a Covered Borrower under the Military Lending Act, you may get a different offer
  • See additional Credit One Bank® Platinum Rewards Visa details
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on Genesis FS Card Services's secure site

Milestone® Gold Mastercard®

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

(2) Over the Past 60 Days!
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on Genesis FS Card Services's secure site

  • Mastercard Gold Benefits

    Accepted Worldwide and $0 Fraud Liability

  • Customize Your card

    Pick from multiple card designs at no extra charge

  • Regular Purchase APR

    24.9%


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $35-$99, depending on creditworthiness*

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Instant pre-qualification is available for those who qualify
  • Less than perfect credit is okay
  • Access your account online or from your mobile device 24/7
  • Choice of card image at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.

See additional details for Milestone® Gold Mastercard®

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on First PREMIER® Bank's secure site

PREMIER Bankcard® Credit Card

 

Rated 2/5 stars by our editorial team

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Your Rating:

2.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

(2) Over the Past 60 Days!
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on First PREMIER® Bank's secure site

  • Build Credit*

    Manageable credit limit, manageable payment, meant to fit your budget

  • Fast Application

    Fill out an application and know in 60 seconds if you’re approved!

  • Online Account Access

    A full-service website means First PREMIER Bank customers enjoy 24-hour access to easily manage personal account needs.


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    See Issuer Website

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • You don’t need good credit to apply – here's your chance to improve your score.
  • We help people with bad credit, every day.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • You can build or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time. We’ll help you get back on track.*
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • *Build credit by keeping your balance low and paying all your bills on time every month.

See additional details for PREMIER Bankcard® Credit Card

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on First PREMIER® Bank's secure site

PREMIER Bankcard® Mastercard® Credit Card

 

Rated 2/5 stars by our editorial team

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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
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on First PREMIER® Bank's secure site

  • Build Credit*

    Manageable credit limit, manageable payment, meant to fit your budget

  • Fast Application

    Fill out an application and know in 60 seconds if you’re approved!

  • Online Account Access

    A full-service website means First PREMIER Bank customers enjoy 24-hour access to easily manage personal account needs.


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    See Issuer Website

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • Don’t let a low FICO score stop you from applying – we approve applications others may not.
  • You don’t need good credit to apply – here's your chance to improve your score.
  • Just complete the short application and find out in 60 seconds if you’re approved.
  • When you need assistance our award-winning US-based customer service agents are there to help.
  • FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
Apply Now

on Bank of Missouri's secure site

First Access VISA® Credit Card

 

Rated 3/5 stars by our editorial team

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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
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on Bank of Missouri's secure site

  • Get Approved Fast

    Quick and Easy Secure Online Application

  • VISA Access

    Enjoy VISA benefits and acceptance

  • Ongoing Purchase APR

    See Terms


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    See Terms

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • Get a result in as little as 60 seconds upon completion of the online application
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Online Customer Center available 24 x 7
  • $300 credit limit (subject to available credit)
  • The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.

See additional details for First Access VISA® Credit Card

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on Genesis FS Card Services's secure site

Destiny Mastercard®

 

Rated 2.5/5 stars by our editorial team

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Your Rating:

2.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!
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on Genesis FS Card Services's secure site

  • Easy Pre-qualification

    Prequalify for a card today and it will not impact your credit score

  • Regular Purchase APR

    24.9%

  • Build Credit

    Reports to all three major credit bureaus


Highlights

  • Click "APPLY NOW" to apply online
  • All the benefits of a Mastercard, without a security deposit
  • Keeping your account in good standing may help establish and/or improve your credit history
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Prequalify for a card today and it will not impact your credit score
  • Reports to all three major credit bureaus

See additional details for Destiny Mastercard®

Apply Now

on Fortiva's secure site

Fortiva® MasterCard® Credit Card

 

Rated /5 stars by our editorial team

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Your Rating:

0.0/5.0 from 2 Offer Ratings
Over the Past 60 Days!

(2) Over the Past 60 Days!
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on Fortiva's secure site

  • Recurring Fees

    Annual fee and monthly fees vary, depending on credit limit. See terms.

  • Rewards

    Up to 3% Cashback

  • Increase Credit

    Periodic Credit Increase Reviews


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    As low as $85

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • With the Fortiva® MasterCard® Credit Card, you earn up to 3% cash back reward.
  • Make contactless payments through Mobile Wallet
  • Periodic Credit Increase Reviews
  • Free access to your Vantage 3.0 score from Equifax†
  • † Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

See additional details for Fortiva® MasterCard® Credit Card

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on MRV Banks's secure site

Revvi Card

 

Rated /5 stars by our editorial team

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Your Rating:

0.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!
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on MRV Banks's secure site

  • Annual Fee

    $75 1st year, $48 after

  • Monthly Fee

    None 1st year, $6.25 after

  • Activation Fee

    $89


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $75 1st year, $48 after

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
  • Jump on board with Revvi! Perfect credit not required
  • Fast and easy application; response provided in seconds
  • You asked, we listened – get the Revvi mobile app now
  • Reports monthly to all three major credit bureaus
  • $300 credit limit (subject to available credit)
  • Checking account required
  • *See rates, fees, costs and limitations for additional details and Revvi Rewards Program Terms & Conditions for details^^

See additional details for Revvi Card

Apply Now

on Credit One Bank's secure site

Credit One Bank® Platinum Visa®

 

Rated /5 stars by our editorial team

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Your Rating:

0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
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on Credit One Bank's secure site

  • Rewards

    Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply

  • Purchase APR

    23.99% Variable

  • Grow Your Credit Line

    Automatic reviews for credit line increase opportunities


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $39

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase opportunities
  • Choose your monthly payment due date for added convenience, terms apply
  • Never miss an account update with customizable text and email alerts
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Show off your personality by selecting from a variety of card designs, a fee may apply
  • See additional Credit One Bank® Platinum Visa® details

See additional details for Credit One Bank® Platinum Visa®

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on Petal's secure site

Petal® 1 No Annual Fee Visa® Credit Card

 

Rated /5 stars by our editorial team

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0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
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on Petal's secure site

  • Cash Back

    Earn 2% to 10% cash back at select merchants

  • Build Credit

    Cash Score technology may help applicants without credit history get approved. Petal reports to all 3 major credit bureaus

  • Credit Limit

    $300 - $5,000 credit limits


Highlights

  • Click "APPLY NOW" to apply online
  • $0 Annual Fee
  • $300 - $5,000 credit limits
  • Earn a credit limit increase in as little as 6 months. Terms and conditions apply.
  • No credit score? No problem. If eligible, we'll create your Cash Score instead.
  • 2% - 10% cash back at select merchants
  • Variable APRs range from 19.99% - 29.49%
  • See if you're pre-approved within minutes without impacting your credit score.
  • No annual or foreign transaction fees.
  • Build credit alongside hundreds of thousands of Petal Card members.
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC
Apply Now

on Upgrade's secure site

Upgrade Visa® Card with Cash Rewards

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.0/5.0 from 3 Offer Ratings
Over the Past 60 Days!

(3) Over the Past 60 Days!
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on Upgrade's secure site

  • Credit Line

    Up to $20,000*

  • Rewards Rate

    1.5% unlimited cash back on card purchases every time you make a payment

  • Annual Fee

    $0


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment         
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability 
  • See additional Upgrade Visa® Card with Cash Rewards details
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on Aspire's secure site

Aspire® Cash Back Reward Card

 

Rated /5 stars by our editorial team

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0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
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on Aspire's secure site

  • Rewards Rate

    Up to 3% Cashback Reward

  • Regular APR

    29.99% Variable

  • Credit Line

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


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    As low as $85

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • With the Aspire® Mastercard® Credit Card, you earn 3% cash back reward on Gas, Groceries and Utility Payments
  • Earn 1% cash back reward on all other purchases
  • Up to $1,000 credit limit subject to credit approval
  • Pre-qualify without affecting your credit score
  • No deposits or program fee
  • Free access to your Vantage 3.0 score from Equifax*
  • Simple Secure Online Application
  • Unsecured Mastercard®
  • *Your credit score will be available in your online account 60 days after your account is opened. (Registration required) The free VantageScore 3.0 credit score provided by Equifax is for educational purposes only and may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

See additional details for Aspire® Cash Back Reward Card

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on Merrick Bank's secure site

Merrick Bank Double Your Line™ Platinum Visa® Credit Card

 

Rated 3/5 stars by our editorial team

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3.0/5.0 from 1 Offer Rating
Over the Past 60 Days!

(1) Over the Past 60 Days!
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on Merrick Bank's secure site

  • Credit Line

    Automatic account reviews for credit line increases.

  • FICO History

    Get your updated FICO® Score for free each month when it is provided to us from the credit bureau.

  • Pre-Qualification

    Find out in 60 seconds without harming your credit score.


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0 - $72

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies. No security deposit required.
  • Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open.
  • See if you are pre-approved within minutes, without affecting your credit score.
  • Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies.
  • Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.
Apply Now

on Oportun's secure site

Oportun® Visa® Credit Card

 

Rated /5 stars by our editorial team

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0.0/5.0 from 0 Offer Rating
Over the Past 60 Days!

(0) Over the Past 60 Days!
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on Oportun's secure site

  • Credit Line

    Credit line up to $1,000 – get a response in minutes

  • Increase Credit

    Automatic reviews for credit line increase

  • Fraud Protection

    Zero Fraud Liability – you won’t be responsible for unauthorized charges


Highlights

  • Click "APPLY NOW" to apply online
  • Credit line up to $1,000 – get a response in minutes
  • No credit history or security deposit required to apply
  • Zero Fraud Liability – you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase
  • Worldwide acceptance in stores or online
  • Start establishing credit history
  • 24/7 online account management – friendly support in English and Spanish
  • If you are assessed a finance charge, it will be no less than $1.00
  • Card issued by WebBank, Member FDIC
  • You must respond directly to this offer to receive these terms. Applications in response to other offers may result in different terms. See the online provider's credit card Cardholder Agreement for details about terms and conditions. Reasonable efforts are made to maintain accurate information. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.

See additional details for Oportun® Visa® Credit Card

*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.

Credit Card Offers for Fair Credit

If you have fair credit, or have had some credit history dings or other problems but are not yet in the bad credit category, then you should be able to apply for and get a credit card for fair credit. Those with bad credit generally have no choice but to apply for a secured or prepaid card, but in your case having average or fair credit qualifies you to be responsible for adhering to a credit limit and carrying a balance over from one month to the next if you decide to do that. That also means that you’ll have a great chance to improve your credit score and credit history – which will entitle you to even better rates, credit cards, and cardholder privileges.

It’s a good idea to shop for a good credit card with the most manageable fees and interest rates, because that will make it much easier for you to manage your budget and card payments. Cards with no annual fee, for example, are cheaper – and so are ones that have a lower APR. Use the info in the reviews in this section – and crunch the numbers using this site’s credit card calculators and other tools – to help you make a wise pick of the best credit cards for fair credit. FICO ranges for fair or average credit typically range from 620 to 680.

Try to use not more than 25-30% of your allowed limit each month, because that will look better on your credit report. Soon you may be offered a higher credit limit and as your credit score rises from fair to good it will be possible to shop for even more attractive and competitive interest rate card.

Disclaimer: FICO scores are used to represent the creditworthiness of a person and may be one indicator of the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.

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