Credit Cards Fair Credit

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Quick & easy. Here are the best cards for fair credit.

  • Credit NeededFair
  • Regular APR19.99% -25.99% Variable
  • Annual Fee$0 – $99
Card Details

Highlights

  • Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
  • Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
APPLY NOWon Deserve® Secure Site
  • Credit NeededFair/Good
  • Regular APR17.99%–24.99% Variable
  • Annual Fee$0
Card Details

Highlights

  • 3% cash back on travel & entertainment; 2% cash back on restaurants; 1% unlimited cash back on all other purchases.
  • Credit limits up to $10,000.
  • Helps students and professionals build a credit history and gain financial independence.
  • $0 annual fee & no foreign transaction fees.
  • Use anywhere in the world where Mastercard is accepted.
  • Complimentary cellphone insurance up to $600.
  • Credit NeededFair
  • Regular APR19.99% -25.99% Variable
  • Annual Fee$0 – $99
Card Details

Highlights

  • 1% cash back rewards on all purchases, no annual fee, and a competitive APR are just a few of the benefits qualified applicants will enjoy, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Managing your account is easy with the Credit One Bank mobile app
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Never miss an account update with customizable text and email alerts
APPLY NOWon Reflex Mastercard’s Secure Site
  • Credit NeededBad/Fair
  • ApprovalEasy Online Application
  • Regular APRSee Terms
Card Details

Highlights

  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Checking Account Required
  • Initial Credit Limit of $500.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)
APPLY NOWon Genesis FS Card Service secure website
  • Credit NeededFair/Good
  • ApprovalEasy Online Application
  • Regular APR24.9%
Card Details

Highlights

  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
APPLY NOWon The Bank of Missouri secure website
  • Credit NeededFair/Good
  • ApprovalEasy Online Application
  • Regular APR24.9%
Card Details

Highlights

  • 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.
APPLY NOWon Fit Mastercard’s Secure Site
  • Credit NeededBad/Fair
  • ApprovalEasy Online Application
  • Regular APRSee Terms
Card Details

Highlights

  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Checking Account Required
  • Initial Credit Limit of $400.00* (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)

Typical Credit Card Approval Process

How to Apply

Click “APPLY NOW” to securely apply for a credit card on the issuer’s site.

What You’ll Need

You’ll probably have to answer questions about your income and estimate your credit score again.

Getting Your Card

Once you’re approved and receive your card in the mail, you’ll be able to spend money on it right away!

What Are Credit Cards?

Credit cards, also sometimes called “charge cards” allow users to spend money before they actually have it. This is the main difference between credit cards and debit cards.

For example, if you need to make a $250 purchase today, and you don’t have the $250 in cash to make the purchase, a credit card will allow you to make the purchase and pay the $250 later. For those of us that depend on receiving our paychecks every two weeks, credit cards can be a lifesaver.

We spent 200+ hours searching for the best credit cards of 2019, because not all credit cards are made equal. Many shady online credit issuers have high variable rates and lots of hidden fees. None of the issuers on this page have hidden fees, and virtually all are highly rated and respected.

What Can I use Credit Cards For?

Credit cards can be used for everyday purchases, or just about anything! Some of the most popular uses include:

  • Everyday expenses, i.e. groceries, gas, coffee, etc.
  • Large, unplanned expenses
  • Pay for a wedding
  • Automobile expenses
  • Medical bills

According to research by Finder, roughly 70.02% of all Americans have credit cards. Typically, the better your credit score, the more perks you’ll get with a credit card.

Credit Card Myths

One of the most common misconceptions about credit cards is that they somehow negatively effect your credit score.

For most cases, this is not true. There’s often no impact on your personal credit score to see if you qualify for a credit card. If applying for a specific card will negatively impact your credit, we’ll be sure to make a note on our page.

The only way a credit card can hurt your credit score is if you fail to make your minimum/full monthly payments. Ideally, you’ll want to pay off your credit card in full each month to avoid interest charges. However, even if you only make the minimum statement balance payment, your credit score will actually not take a hit; in many cases, it could improve due to regularly, timely payments. Issuers view timely payments very positively, so you should always aim to pay off your credit card on time every month.

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