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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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Your Rating:

3.8/5.0 from 19 Offer Ratings
Over the Past 60 Days!

(19) 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)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $39

  • 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
Apply Now

on Avant's site

AvantCard Credit Card

 

Rated 4/5 stars by our editorial team

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Your Rating:

3.7/5.0 from 77 Offer Ratings
Over the Past 60 Days!

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

    Fast and easy application process

  • No Hidden Fees

    No deposit required and no penalty APR

  • Regular APR

    25.99% Variable


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

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:

3.2/5.0 from 9 Offer Ratings
Over the Past 60 Days!

(9) Over the Past 60 Days!
Apply Now

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)


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • 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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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:

3.1/5.0 from 25 Offer Ratings
Over the Past 60 Days!

(25) Over the Past 60 Days!
Apply Now

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 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 7 Offer Ratings
Over the Past 60 Days!

(7) Over the Past 60 Days!
Apply Now

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% variable


  • 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 Petal's secure site

Petal® Visa® Credit Card

 

Rated 5/5 stars by our editorial team

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Your Rating:

4.5/5.0 from 18 Offer Ratings
Over the Past 60 Days!

(18) Over the Past 60 Days!
Apply Now

on Petal's secure site

  • Cash Back

    Up to 1.5% cash back after making 12 on-time monthly payments, 1% cash back on eligible purchases - right away

  • No Deposits Required

    Build credit without having to put down a security deposit

  • No Fees Of Any Kind

    No annual fee, no foreign transaction fees, and no late fees


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • 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
  • Variable APRs 12.99% - 29.49%
  • 1% cash back on eligible purchases right away
  • Up to 10% cash back from select merchants
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology may help applicants without credit history get approved
  • $500 - $10,000 credit limits
  • 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® Visa® Credit Card

Apply Now

on First PREMIER® Bank's secure site

First PREMIER® Bank Credit Card

 

Rated 2/5 stars by our editorial team

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Your Rating:

2.8/5.0 from 4 Offer Ratings
Over the Past 60 Days!

(4) Over the Past 60 Days!
Apply Now

on First PREMIER® Bank's secure site

  • Build Credit

    Manageable credit limit, manageable payment, meant to fit your budget (build credit by keeping your balance low and paying on time every month)

  • Track Your Credit Score

    Quarterly FICO Score is provided for free on the monthly billing statement.

  • 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 terms*

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • YOU’RE NOT ALONE - A full-service website means First PREMIER Bank customers enjoy 24-hour access to easily manage personal account needs.
  • Access to available credit when you need it
  • Build credit - Manageable credit limit, manageable payment, meant to fit your budget (build credit by keeping your balance low and paying on time every month)
  • You could be approved for a credit limit increase after your 1 year anniversary-Just Ask!
  • Choose which account management options are right for you
  • 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 First PREMIER® Bank product.

See additional details for First PREMIER® Bank Credit Card

Apply Now

on Credit One Bank's secure site

Credit One Bank® Platinum Visa® with Cash Back Rewards

 

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!
Apply Now

on Credit One Bank's secure site

  • Purchase APR

    17.99% to 23.99% Variable

  • Rewards

    Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply

  • 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.


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0 - $99

  • 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.
  • Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
  • 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
Apply Now

on First PREMIER® Bank's secure site

First PREMIER® Bank Mastercard® Credit Card

 

Rated 2/5 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!
Apply Now

on First PREMIER® Bank's secure site

  • Build Credit

    Manageable credit limit, manageable payment, meant to fit your budget (build credit by keeping your balance low and paying on time every month)

  • Track Your Credit Score

    Quarterly FICO Score is provided for free on the monthly billing statement.

  • 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 terms*

  • Card Brand

    Mastercard®

Highlights

  • Click "APPLY NOW" to apply online
  • YOU’RE NOT ALONE. With millions of customers nationwide, First PREMIER Bank has the expertise to serve you, your family and friends.
  • Access to available credit when you need it
  • Manageable credit limit, manageable payment, meant to fit your budget 
  • Credit Limit Increase Eligible —upon request, and after 12 months of consistent responsible account management (on-time payments and staying within the credit limit).
  • Choose which account management options are right for you
  • 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 First PREMIER® Bank 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:

3.0/5.0 from 4 Offer Ratings
Over the Past 60 Days!

(4) Over the Past 60 Days!
Apply Now

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

Apply Now

on Genesis FS Card Services's secure site

Destiny Mastercard®

 

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!
Apply Now

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 Upgrade's secure site

Upgrade Card

 

Rated 3/5 stars by our editorial team

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Your Rating:

3.1/5.0 from 32 Offer Ratings
Over the Past 60 Days!

(32) Over the Past 60 Days!
Apply Now

on Upgrade's secure site

  • Credit Line

    Up to $20,000*

  • Card Acceptance

    Use wherever Visa® is accepted**

  • Annual Fee

    $0


  • Typical Credit Needed

    549

    600

    660

    720

    850

  • Annual Fee

    $0

  • Card Brand

    Visa®

Highlights

  • Click "APPLY NOW" to apply online
  • 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 Card details

See additional details for Upgrade 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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