Rated 4/5 stars by our editorial team
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3.8/5.0 from 25 Offer Ratings
Over the Past 60 Days!
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Rewards Rate
1.5% Cash Back on every purchase, every day
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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
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Regular Purchase APR
26.99% (Variable)
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Typical Credit Needed
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Annual Fee
$39
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Card Brand
Mastercard®
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
See additional details for Capital One QuicksilverOne Cash Rewards Credit Card
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Credit Line Increase
Be automatically considered for a higher credit line in as little as 6 months
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Annual Fee
Pay no annual fee
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Regular Purchase APR
26.99% (Variable)
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Mastercard®
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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Easy Pre-qualification
Quick pre-qualification available with no impact to your credit score*
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Custom Card Design
Pick from multiple card designs at no extra charge*
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Reports to Credit Bureaus
Account history is reported to the three major credit bureaus in the U.S.
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Typical Credit Needed
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Annual Fee
$0 - $99
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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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Cash Back
Earn 1% cash back on eligible purchases right away, and between 2% to 10% cash back from select merchants
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Build Credit
Those with thin to no credit file can be accepted based on Cash Flow underwriting alone. Petal reports to all 3 major credit bureaus.
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No Fees Of Any Kind
No late fee, foreign transaction fee, or annual fee.
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee.
- Up to 1.5% cash back after making 12 on-time monthly payments
- 1% cash back on eligible purchases right away
- Between 2% - 10% cash back from select merchants
- $500 - $10,000 credit limits
- Variable APRs 12.99% - 26.99%
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
See additional details for Petal® 2 Cash Back, No Fees Visa® Credit Card
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Apply Online
Fast and easy application process
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No Hidden Fees
No deposit required and no penalty APR
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Regular APR
25.99% Variable APR
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Typical Credit Needed
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Annual Fee
$39
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Card Brand
Mastercard®
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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Mastercard Gold Benefits
Accepted Worldwide and $0 Fraud Liability
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Customize Your card
Pick from multiple card designs at no extra charge
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Regular Purchase APR
24.9%
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Typical Credit Needed
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Annual Fee
$35-$99, depending on creditworthiness*
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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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Build Credit
Manageable credit limit, manageable payment, meant to fit your budget
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Fast Application
Fill out an application and know in 60 seconds if you’re approved!
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Online Account Access
A full-service website means First PREMIER Bank customers enjoy 24-hour access to easily manage personal account needs.
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Typical Credit Needed
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Annual Fee
See terms*
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Choose which account management options are right for you.
- Build credit with First PREMIER*
- Fill out an application and know in 60 seconds if you’re approved!
- YOU’RE NOT ALONE - As the 12th largest issuer of Mastercard credit cards, First PREMIER Bank understands customer needs and is there for those who may be denied by other issuers.
- Manageable credit limit, manageable payment, meant to fit your budget
- *Build credit by keeping your balance low and paying all your bills on time every month.
See additional details for First PREMIER® Bank Credit Card
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Purchase APR
17.99% to 23.99% Variable
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Rewards
Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
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Benefits and Features
Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
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Typical Credit Needed
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Annual Fee
$0 - $99
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
- CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
- Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
- Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
- Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.
- See additional Credit One Bank® Platinum Visa® with Cash Back Rewards details
See additional details for Credit One Bank® Platinum Visa® with Cash Back Rewards
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Build Credit
Manageable credit limit, manageable payment, meant to fit your budget
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Fast Application
Fill out an application and know in 60 seconds if you’re approved!
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Online Account Access
A full-service website means First PREMIER Bank customers enjoy 24-hour access to easily manage personal account needs.
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Typical Credit Needed
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Annual Fee
See terms*
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Card Brand
Mastercard®
Highlights
- Click "APPLY NOW" to apply online
- Choose which account management options are right for you.
- Build credit with First PREMIER*
- Fill out an application and know in 60 seconds if you’re approved!
- YOU’RE NOT ALONE - As the 12th largest issuer of Mastercard credit cards, First PREMIER Bank understands customer needs and is there for those who may be denied by other issuers.
- Manageable credit limit, manageable payment, meant to fit your budget
- *Build credit by keeping your balance low and paying all your bills on time every month.
See additional details for First PREMIER® Bank Mastercard® Credit Card
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Get Approved Fast
Quick and Easy Secure Online Application
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VISA Access
Enjoy VISA benefits and acceptance
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Ongoing Purchase APR
See Terms
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Typical Credit Needed
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Annual Fee
See Terms
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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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Easy Pre-qualification
Prequalify for a card today and it will not impact your credit score
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Regular Purchase APR
24.9%
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Build Credit
Reports to all three major credit bureaus
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Typical Credit Needed
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Annual Fee
$59-$99
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Card Brand
Mastercard®
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®
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Cash Back
Earn between 2% to 10% cash back from select merchants
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Build Credit
Cash flow technology may help applicants without credit history get approved. Petal reports to all 3 major credit bureaus
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Credit Limit
$500 - $5,000 credit limits. No deposits required.
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Typical Credit Needed
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Annual Fee
$0
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- $0 Annual Fee
- Between 2% - 10% cash back from select merchants
- $500-$5,000 credit limits
- Variable APRs 19.99-29.49% APR
- No annual or international transaction fees. Late and returned payment fees may apply
- Build credit alongside tens of thousands of Petal Card members
- Cash flow technology may help applicants without credit history get approved
- Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
- See if you're pre-approved within minutes without impacting your credit score
- Petal reports to all 3 major credit bureaus
- No deposits required
- Card issued by WebBank, Member FDIC
See additional details for Petal® 1 No Annual Fee Visa® Credit Card
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Credit Line
Up to $20,000*
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Rewards Rate
1.5% unlimited cash back on card purchases every time you make a payment
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Annual Fee
$0
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Typical Credit Needed
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Annual Fee
$0
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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
See additional details for Upgrade Visa® Card with Cash Rewards
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Rewards Rate
Up to 3% Cashback Reward
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Regular APR
29.99% Variable
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Credit Line
Up to $1,000 credit limit subject to credit approval
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Typical Credit Needed
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Annual Fee
See Terms
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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 impacting your credit score
- No deposits or program fee
- Free access to your Vantage 3.0 score from Equifax*
- Simple Secure Online Application
- Unsecured Mastercard®
See additional details for Aspire® Cash Back Reward Card
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Credit Line
Automatic account reviews for credit line increases.
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FICO History
Get your updated FICO® Score for free each month when it is provided to us from the credit bureau.
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Pre-Qualification
Find out in 60 seconds without harming your credit score.
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Typical Credit Needed
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Annual Fee
$0 - $72
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Card Brand
Visa®
Highlights
- Click "APPLY NOW" to apply online
- Credit lines range from $500-$1,250 which double to $1,000-$2,500 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
See additional details for Merrick Bank Double Your Line™ Platinum 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.