Credit Cards for Fair Credit

Credit scores that generally qualify for one of these cards are between 550 and 619**. Not sure what your credit score is? Sign up for a Free CreditSoup account today and get access to your free credit score and top matched credit card options specifically for you. Checking your score has no impact to your credit.

Fortiva® Mastercard® Credit Card

Credit Recommended:
Fair
Apply Now on Fortiva's secure website.
Credit Recommended:
Fair
Rewards Rate 1
Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
Regular APR
29.99% or 36% Fixed
Credit Recommended
Fair
Apply Now on Fortiva's secure website.
Annual Fee
As low as $85
Card Brand
Mastercard®
Foreign Trans Fee
3% of each transaction amount in U.S. dollars

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Good anywhere Mastercard® is accepted
  • $0 fraud liability**
  • Free access to your VantageScore 4.0 credit score from TransUnion®†
    *See Program Terms for important information about the cash back rewards program.
    **Fraud liability subject to Mastercard® rules.
    † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score 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

Search Now on CreditSoup.com secure website.
Cost
No Charge to find out if your Pre-Qualified
Credit Limit
Based on the card you Pre-Qualify for
Card Types
Cards for Every Credit Type
Search Now on CreditSoup.com secure website.

Highlights

  • Cards for Every Credit Score
  • See if You're Pre-Qualified
  • Find The Best Credit Card for You. Compare Top Card Offers and Apply Online!
  • Get Personalized Credit Card Offers in Seconds. No Impact to Your Credit Score!
  • Compare Offers and Apply Today

Blaze Mastercard® Credit Card

Credit Recommended:
Average/ Fair
Apply Now on the Blaze secure website.
Credit Recommended:
Average/ Fair
Credit Line
Up to $1,500
Regular APR
29.9% Fixed
Security Deposit
None
Apply Now on the Blaze secure website.
Credit Recommended
Average/ Fair

Highlights

  • Let's Grow Together!
  • Credit line up to $1,500 – most receive $350; some higher
  • In as little as 6 months you may get a credit line increase by making on-time payments and keeping your account in good standing
  • Don’t worry if you don’t have perfect credit, let’s work to rebuild together!
  • Skip the mail and apply easily and securely online
  • 24/7 on-the-go account access with our free mobile app
See additional details for Blaze Mastercard® Credit Card

See Pricing & Terms details on the Blaze secure website.


PREMIER Bankcard® Mastercard® Credit Card

Credit Recommended:
Fair/Poor
Apply Now on PREMIER Bankcard® secure website.
Credit Recommended:
Fair/Poor
Checking Account Required
Yes
Reports to Consumer Reporting Agencies
Yes
Card Brand
Mastercard®
Apply Now on PREMIER Bankcard® secure website.
Credit Recommended
Fair/Poor

Highlights

  • 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.
  • 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.
See additional details for PREMIER Bankcard® Mastercard® Credit Card

Total Select

Credit Recommended:
Fair
Apply Now on Total Card secure website.
Credit Recommended:
Fair
Regular APR
29.99% APR, compounded daily
Reports to Consumer Reporting Agencies
Monthly to all 3 major bureaus
Annual Fee
$75 Annual Fee, 1st year ($48 Annual Fee, after 1st year)
Apply Now on Total Card secure website.
Cash Advance APR
$10 or 3% Cash Advance Fee
Late Payment Fee
$41 Late Payment Fee
Return Payment Fee
$41 Returned Payment Fee

Highlights

  • Total Select cardholders get FREE access to Credit Monitoring powered by TransUnion. Enroll Today!
  • $300 Credit Limit
  • Chip-Enabled Card for Added Security
  • Credit Limit Increase Possible After 12 Months
  • Reports Monthly to Major Credit Bureaus
  • Quick and Easy Approval Process
Rates & Fees

Mission Lane Visa® Credit Card

Credit Recommended:
Fair
Apply Now on Mission Lane secure website.
Credit Recommended:
Fair
Regular APR
26.99 - 29.99% Variable
Cash Advance APR
29.99% Variable
Annual Fee
$0-59
Apply Now on Mission Lane secure website.
Reports to Consumer Reporting Agencies
Yes
Card Brand
Visa®
Late Payment Fee
Up to $35

Highlights

  • See if you qualify instantly without harming your credit score.
  • Be automatically considered for a higher credit line in as few as 7 months.
  • Free, online credit score access for cardholders.
  • Instant decision on your application.
  • No interest on purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.
  • If you are charged interest, the charge will be no less than $0.50.
See additional details for Mission Lane Visa® Credit Card

Capital One Platinum Credit Card

Credit Recommended:
Average, Fair, Limited
Apply Now on Capital One® secure website.
Credit Recommended:
Average, Fair, Limited
Balance Transfer Fee
$0 at this Transfer APR
Fraud Coverage
You're covered by $0 Fraud Liability if your card is ever lost or stolen
Credit Recommended
Average, Fair, Limited
Apply Now on Capital One® secure website.
Annual Fee
$0
Foreign Trans Fee
None
Regular APR
29.99% (Variable)

Highlights

  • No annual or hidden fees. See if you're approved in seconds
  • Be automatically considered for a higher credit line in as little as 6 months
  • Help build your credit through responsible use of a card like this
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's 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
See additional details for Capital One Platinum Credit Card

Petal® 1 "No Annual Fee" Visa® Credit Card

Credit Recommended:
Fair, Limited History, No History, Limited, No Credit
Apply Now on WebBank secure website.
Credit Recommended:
Fair, Limited History, No History, Limited, No Credit
Annual Fee
$0
Credit Limit
$300 - $5,000
Regular APR
24.74 - 34.24% Variable
Apply Now on WebBank secure website.
Credit Recommended
Fair, Limited History, No History, Limited, No Credit
Late Payment Fee
Late fees up to $29 for first late payment, $40 for second late payment.
Checking Account Required
Yes

Highlights

  • $0 Annual Fee
  • Variable APRs range from 24.74% - 34.24%
  • $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
  • 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

FIT® Platinum Mastercard®

Credit Recommended:
Fair/Poor/Bad
Apply Now on The Bank of Missouri secure website.
Credit Recommended:
Fair/Poor/Bad
Regular APR
29.99%
Annual Fee
See Terms
Credit Recommended
Fair/Poor/Bad
Apply Now on The Bank of Missouri secure website.
Intro Rate
N/A
Intro Period
N/A
Balance Transfer
N/A

Highlights

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • 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 Experian* (When you sign up for e-statements)
  • Checking Account Required
See additional details for FIT® Platinum Mastercard®

PREMIER Bankcard® Mastercard® Credit Card

Credit Recommended:
Fair/Poor
Apply Now on PREMIER Bankcard® secure website.
Credit Recommended:
Fair/Poor
Checking Account Required
Yes
Reports to Consumer Reporting Agencies
Yes
Card Brand
Mastercard®
Apply Now on PREMIER Bankcard® secure website.
Credit Recommended
Fair/Poor

Highlights

  • Everyone deserves a chance to build* credit: apply today!
  • PREMIER Bankcard credit cards are for building credit.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • 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.
  • *Build credit by keeping your balance low and paying all your bills on time every month.
See additional details for PREMIER Bankcard® Mastercard® Credit Card

First Digital Mastercard®

Credit Recommended:
See website for Details*
Apply Now on Synovus Bank secure website.
Credit Recommended:
See website for Details*
Regular APR
35.99%
Cash Advance APR
35.99%
Annual Fee
$75.00 for first year. After that, $48.00 annually.
Apply Now on Synovus Bank secure website.
Late Payment Fee
Up to $41.00
Activation Fee
$95.00 (one-time fee)
Cash Advance Fee
Either $10, or 3% of the amount of the Cash Advance, whichever is greater.

Highlights

  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • Easy and secure online application – It takes just moments to apply.
  • Issued by Synovus Bank, Member: FDIC
See additional details for First Digital Mastercard®

First PREMIER® Bank Gold Credit Card

Credit Recommended:
Fair/Poor
Apply Now on PREMIER Bankcard® secure website.
Credit Recommended:
Fair/Poor
Checking Account Required
Yes
Reports to Consumer Reporting Agencies
Yes
Card Brand
Mastercard®
Apply Now on PREMIER Bankcard® secure website.
Credit Recommended
Fair/Poor

Highlights

  • 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.
  • PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
  • Everyone deserves a chance to build* credit: apply today!
  • 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.
  • *Build credit by keeping your balance low and paying all your bills on time every month.
See additional details for First PREMIER® Bank Gold Credit Card

Surge® Platinum Mastercard®

Credit Recommended:
See website for Details*
Apply Now on Celtic Bank secure website.
Credit Recommended:
See website for Details*
Intro Rate
See website for Details*
Intro Period
See website for Details*
Regular APR
29.99% APR (Variable)
Apply Now on Celtic Bank secure website.
Annual Fee
See website for Details*
Balance Transfer
See website for Details*
Credit Recommended
See website for Details*

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
See additional details for Surge® Platinum Mastercard®
Rates & Fees

Capital One QuicksilverOne Cash Rewards Credit Card

Credit Recommended:
Average, Fair, Limited
Apply Now on Capital One® secure website.
Credit Recommended:
Average, Fair, Limited
Rewards Rate 1
1.5% Cash Back on every purchase, every day
Credit Recommended
Average, Fair, Limited
Balance Transfer Fee
$0 at this Transfer APR
Apply Now on Capital One® secure website.
Fraud Coverage
You're covered by $0 Fraud Liability if your card is ever lost or stolen
Foreign Trans Fee
None
Regular APR
29.99% (Variable)

Highlights

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
  • Be automatically considered for a higher credit line in as little as 6 months
  • Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
  • Help strengthen your credit for the future with responsible card use
  • Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
  • Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
  • Monitor your credit score with CreditWise from Capital One. It's free for everyone
  • 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

Upgrade Cash Rewards Visa®

Credit Recommended:
Excellent, Good, Fair, Average
Apply Now on Sutton Bank, Member FDIC secure website.
Credit Recommended:
Excellent, Good, Fair, Average
Credit Line
$500 - $25,000
Annual Fee
$0
Foreign Trans Fee
Up to 3%
Apply Now on Sutton Bank, Member FDIC secure website.
Regular APR
14.99% - 29.99% APR
Credit Recommended
Excellent, Good, Fair, Average
Balance Transfer Fee
Up to 5%

Highlights

  • $200 bonus after opening a Rewards Checking account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • 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 details for Upgrade Cash Rewards Visa®

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking account and make 3 qualifying debit card transactions from your Rewards Checking account within 60 days of the date the Upgrade Card account is opened. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Your Upgrade Card and Rewards Checking account must be open and in good standing to receive a bonus. If you have previously opened a Rewards Checking account or do not open one as part of this application process, you are not eligible for this welcome bonus offer. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking account as a one-time payout credit within 60 days after the 3rd qualifying card purchase.

Rates & Fees

Reflex® Platinum Mastercard®

Credit Recommended:
Fair/Poor/Bad/Limited
Apply Now on Celtic Bank secure website.
Credit Recommended:
Fair/Poor/Bad/Limited
Regular APR
29.99% APR (Variable)
Annual Fee
See Terms
Credit Recommended
Fair/Poor/Bad/Limited
Apply Now on Celtic Bank secure website.
Intro Rate
N/A
Intro Period
N/A
Balance Transfer
N/A

Highlights

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
See additional details for Reflex® Platinum Mastercard®

OpenSky® Plus Secured Visa® Credit Card

Credit Recommended:
No credit, Poor, Fair
Apply Now on Capital Bank N.A. secure website.
Credit Recommended:
No credit, Poor, Fair
Regular APR
29.49% (variable)
Annual Fee
$0
Credit Line
$300-$3000 at time of application
Apply Now on Capital Bank N.A. secure website.
Credit Recommended
No credit, Poor, Fair
Late Payment Fee
Up to $40
Cash Advance APR
29.49% (variable)

Highlights

  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
  • With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
  • Get considered for an unsecured credit line increase after 6 months - no additional deposit
  • Monitor your credit progress with free access to your FICO Credit Score.
  • Reports to all 3 major credit bureaus monthly to establish and build credit history.
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
See additional details for OpenSky® Plus Secured Visa® Credit Card
Advertiser Disclosure

Credit Cards Offers For Fair Credit

Credit cards within this category are typically unsecured, though many carry an annual fee, smaller credit limits and higher interest rates than cards designed for good or excellent credit. Credit scores that generally qualify for one of these cards range from a low of 550 up to 619.** Not sure what your score is? Sign up for an account with CreditSoup to get your free credit score.

Benefits of Credit Cards for Fair Credit Scores

If you have a fair credit score, it’s likely that you are looking to increase it. Applying for a credit card that you can pay on time each month can move you in a positive direction toward a credit history that lenders will view favorably.

When evaluating credit cards, look for:

  • Program fees, and how much they cost
  • Whether the card is unsecured or requires a security deposit
  • Annual fees, if any
  • Introductory interest rates
  • Limits on balance transfers
  • Regular interest rate
  • Benefits or rewards you can collect over time

The higher your score, the better the terms you can get in an offer. Younger adults who have a limited credit history may appreciate credit card options designed for students. Those with impaired credit could use one of these cards to help rebuild their score over time with responsible use.

Choosing Credit Cards for Fair Credit

For most people, credit cards are tools that help them achieve their financial goals. You want to make a choice that works best for your needs. Create a list of your priorities, and it will make it easier to decide. If you don’t care as much about rewards but really need to keep costs down, you should look for cards with a low or no annual fee. If you know that you will need to carry a balance on the card for a time, you might opt for one with a lower interest rate, if available. CreditSoup makes comparison easy, with necessary details about a variety of options right here.

Improving your credit is a worthy ambition for anyone, but you don’t have to wait until then to apply for a credit card. Browse CreditSoup’s list of credit cards for fair credit scores and see where your financial future could take you.

*See online credit card application for details on the terms and conditions.

**Credit 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 credit card product.


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Advertiser Disclosure

CreditSoup is an independent, advertising-supported comparison service. The offers that appear on this site are from companies from which CreditSoup receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). CreditSoup does not include all companies or all offers available in the marketplace. CreditSoup may use other proprietary factors to impact offer listings on the website such as consumer selection or the likelihood of the applicant’s credit approval.

Editor’s Rating

Our editors review each credit card and provide our ratings based on the features the credit card offers consumers including the fees, interest rates, benefits, rewards, and how it compares to other credit cards in its category. Card ratings may vary by category as the same card may receive a different rating based on that category.

CreditSoup.com may be compensated by companies mentioned on our site when a consumer’s application is accepted or approved by the company.