Credit Cards for Fair Credit Scores

Looking for a credit card for fair credit? Congrats for graduating from that secured credit card! Surprisingly enough, you can still get some decent benefits from these cards.

First and most importantly, you can find cards with no annual. What a better way to show you've made it than ditching the need to pay for a credit card! Second, like secured cards, credit cards for fair credit are often design to promote your credit quickly. They will report your credit behavior to all three major credit bureaus, and they can give you quick access to a higher credit line for good behavior. Finally, several of these cards will give you rewards ranging from cash back to points. Reap the rewards of your fair credit rating, and find a credit card here that's right for you.

Credit One Bank® Platinum Credit Card with Rewards

at our partner's
secure site

  • This unsecured card requires no deposit and can help build your credit
  • Receive opportunities for credit line increases, a fee may apply
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back on eligible purchases, terms apply
  • Choose your monthly payment due date for added convenience, terms apply
  • Monitor your credit with free online access to your credit score
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

16.15% - 24.65% Variable

$0 - $99

Fair Credit

Credit One Bank® Cash Back Credit Card

at our partner's
secure site

  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

16.15% - 24.65% Variable

$0 - $99

Fair Credit

Surge Mastercard® Credit Card

at our partner's
secure site

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard® is accepted
  • Free online account access 24/7
  • Checking Account Required
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

See Terms*

See Terms*

Bad Credit

Milestone® Gold MasterCard®

at our partner's
secure site

  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
  • Free online account access
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

23.90%

$35-$99 (varies by credit level)

Good/Fair

Indigo® Platinum MasterCard®

at our partner's
secure site

  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

23.90%

$0 - $99

Fair Credit

Credit One Bank® Platinum Visa®

at our partner's
secure site

  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date.
  • Take advantage of free online access to your monthly Experian credit score and credit report summary
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically get 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date for added convenience, terms apply.
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

16.15% - 24.65% Variable

$0 - $99

Fair Credit

USAA Classic Platinum Visa®

at our partner's
secure site

  • Best for members looking to rebuild credit history.
  • No foreign transaction fees when you travel outside the United States.
  • Consistent, on-time payments could improve your credit rating.
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

18.40%-24.40% (Variable)

$35

Fair Credit

Indigo® MasterCard®

at our partner's
secure site

  • Account history is reported to the three major credit bureaus in the U.S.
  • An opportunity to build and access credit
  • Choose your custom card design - Free
  • Unsecured credit card, no security deposit required
  • Quick pre-qualification available with no impact to your credit score
  • Online servicing available 24/7 at no additional cost
  • Mobile account access at any time
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

23.90% (Fixed)

$0 - $99

Fair Credit

Total VISA® Unsecured Credit Card

at our partner's
secure site

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • This program is not currently available in New York or Wisconsin
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

See Terms*

See Terms*

Bad/Fair

Milestone® MasterCard®

at our partner's
secure site

  • Card designs to fit your personality at no extra charge
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Our application is quick and easy with instant pre-qualification available
  • Protection from fraud, if your card happens to be lost or stolen
  • Unsecured credit card, no deposit required
  • Pre-qualifying today will not affect your credit score
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

23.90% (Fixed)

$35-$99 (varies by credit level)

Fair Credit

USAA Classic American Express®

at our partner's
secure site

  • Best for members looking to rebuild credit history.
  • No foreign transaction fees when you travel outside the United States.
  • Consistent, on-time payments could improve your credit rating.
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

18.40%-24.40% (Variable)

$35

Fair Credit

The First Access VISA® Credit Card

at our partner's
secure site

  • Access credit even if you have poor or limited credit history
  • Quick and Easy Secure Online Application
  • A genuine VISA card accepted by merchants nationwide
  • Get a response in as little as 60 seconds!
  • Reporting to 3 major credit bureaus
  • Apply today! If approved Access your credit after paying a one-time processing fee.
  • Reports monthly to all three major credit bureaus
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

See Terms*

See Terms*

Fair/Bad Credit

Fingerhut Credit Account

at our partner's
secure site

  • Shop over 700,000 items from great brands like Samsung, KitchenAid and Dewalt
  • Take advantage of low monthly payments1 with a WebBank/Fingerhut Credit Account
  • Fast, easy online application process and a quick decision
  • Get $50 off of your first order of $200 or more on your new WebBank/Fingerhut Credit Account with promo code NC758
  • 1If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

See Issuer Website

$0

Fair/Bad Credit

Indigo® Unsecured MasterCard®

at our partner's
secure site

  • No security deposit required
  • Card designs to fit your personality at no extra charge
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Account history is reported to the three major credit bureaus in the U.S.
  • Pre-qualify for a card today and it will not impact your credit score
  • Accepted nationwide wherever MasterCard is accepted
  • Fast and easy decision on your application
  • Protection from fraud, if your card happens to be lost or stolen
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

23.90% (Fixed)

$0 - $99

Fair Credit

Milestone® Unsecured MasterCard®

at our partner's
secure site

  • No security deposit required
  • Pick from multiple card designs at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • 24/7 access to your account information, even on mobile
  • Simple and fast application process
  • Prequalify for a card today and it will not impact your credit score
  • Don't have perfect credit? No problem!
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

23.90% (Fixed)

$35-$99 (varies by credit level)

Fair Credit

Applied Bank® Secured Visa® Gold Preferred® Credit Card

at our partner's
secure site

  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won't Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000. Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

9.99% (Fixed)

$48

Bad Credit

Horizon Gold Credit Card

at our partner's
secure site

  • Guaranteed Approval
  • Bad Credit Accepted
  • No Employment Check
  • Reports to a Major Bureau
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

N/A*

$24.95 benefits plan membership will be auto-debited monthly

Bad Credit

Next Millennium

at our partner's
secure site

  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now...Pay Later!
  • Low Monthly Payments!
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

N/A

$19.99 (monthly)

No Credit Check

Luxe Signature

at our partner's
secure site

  • 0% Interest for Members!
  • The Power to Purchase!
  • Shop with Confidence!
  • Low Monthly Payments!
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Purchase Intro APR

Balance Transfer Intro APR

Regular APR

Annual Fee

Credit Needed

N/A

N/A

N/A

$20 (monthly)

Bad Credit