Fair Credit - Credit Cards

Despite what you may think, having fair credit does not disqualify you from obtaining a credit card. In fact, numerous credit cards cater specifically to individuals with fair credit, offering a range of benefits to help improve your finances. Whether you’re interested in the Surge Mastercard or the First Access Visa credit card, we can help you find the ideal offer to meet your needs. Our search considers key factors such as interest rates, fees, credit requirements, and brand information, ensuring that you can select the right credit card at the appropriate time.

☆   Card Spotlight
Today’s Featured Card

Experian Credit Match

Get matched to credit cards based on your credit profile

  • Rating

  • Credit Recommended

    Any Credit Welcome

  • Regular Purchase APR

    See Issuer Website

  • Annual Fee

    See Terms

  • Updated For

    Mon 16 Sep 2024

  • Full Details

    Card Page

Imagine® Visa® Credit Card

Up to $1,000 credit limit subject to credit approval

  • Card Brand

    Visa®

  • Credit Recommended

    Fair/Poor

  • Annual Fee

    As low as $85

  • Regular Purchase APR

    29.99% or 36% Fixed

  • Rewards

    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.

  • Full Details

    Card Page

Highlights

  • Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
  • Earn 1% Cash Back Rewards* on all other eligible purchases
  • Up to $1,000 credit limit subject to credit approval
  • $0 fraud liability**
  • Free Credit Score†
  • The Imagine Card is issued by Webbank

*See Program Terms for important information about the cash back rewards program.

**Zero liability subject to Visa’s Zero Liability Policy.

† Your credit score will be available in your online account 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only and may not be used by WebBank (the issuer of this card) or other creditors to make credit decisions.

Upgrade Select Visa®

See if you qualify in minutes without hurting your credit score

  • Card Brand

    Visa®

  • Credit Recommended

    Fair

  • Annual Fee

    $39.00

  • Regular Purchase APR

    21.96% -29.99%

  • Rewards

    $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

  • Full Details

    Card Page

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Combine the flexibility of a card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Mobile app to access your account anytime, anywhere

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. 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. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

State Exclusions: DC, IA, WV, WI, CT, GA, MA

Link to Rates and Terms:

https://upgrade.zendesk.com/hc/en-us/articles/360007229514-What-rates-does-Upgrade-offer-on-its-Personal-Credit-Lines

Avant Credit Card

Fast and easy application process

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair to Good

  • Annual Fee

    $59.00

  • Regular Purchase APR

    35.99% Variable

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • No deposit required
  • Reports to all three major credit bureaus
  • No penalty APR
  • No hidden fees
  • Late Fee up to $39
  • We may periodically review your account for credit line increases
  • Fast and easy application process
  • Help strengthen your credit history with responsible use
  • Zero fraud liability for unauthorized charges
  • Conveniently pay your card through our online portal, 24/7
  • Get Mastercard® ID Theft Protection by Mastercard
  • Disclosure: If you are charged interest, the charge will be no less than $1.00. Cash Advance Fee 3%, Min: $10
  • Checking your eligibility does not affect your credit score
  • Avant branded credit products are issued by WebBank, member FDIC
  • See the Provider’s terms for more information

Destiny® Mastercard® with Instant Credit

Instant: Once approved, add your card to your mobile wallet and shop today.

  • Card Brand

    MasterCard®

  • Credit Recommended

    Poor to Good

  • Annual Fee

    See terms

  • Regular Purchase APR

    See terms

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Access credit immediately through a mobile wallet. Identity authentication required. See application for additional details.
  • Get the Destiny® Mastercard® in your mobile wallet today.
  • Apply today and shop today!
  • Instant: Once approved, add your card to your mobile wallet and shop today.
  • Easy: We’ll help you add your card to your mobile wallet for instant access.
  • Convenient: Use in-store, online or in-app to shop today.
  • Get started now so you can shop today! – Shop today with Apple Pay® or Google Pay ™
  • Start shopping today in-store, online or in-app using your mobile wallet.
  • Shop today! Don’t wait!
  • Start shopping right away.
  • Get started now so you can shop today!
  • Use your mobile phone to add the Destiny card to your mobile wallet and access credit immediately.
  • Don’t wait for your card in the mail; if approved, just add it to your mobile wallet with Apple Pay® or Google Pay™ to start shopping right away.
  • Add The Destiny Card To Your Mobile Wallet With Apple Pay® or Google Pay™
  • Start shopping today with Destiny Mastercard, apply now!

Arro Card

All credit types accepted

  • Card Brand

    MasterCard®

  • Credit Recommended

    All Credit Types Accepted

  • Annual Fee

    $3/month; $1/month for the 1st year

  • Regular Purchase APR

    16% Variable

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • All credit types accepted.
  • Arro’s soft credit pull does not impact your credit score.
  • Through in-app personal finance activities, members receive real time credit limit increases and other rewards.
  • Opportunities to decrease your interest rate.
  • Use your Arro Card anywhere Mastercard is accepted.
  • Application takes as little as 5 minutes.

PREMIER Bankcard® Mastercard® Credit Card

Pre-qualify with no impact to your credit score

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair/Poor

  • Annual Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Pre-qualify with no impact to your credit score.
  • Don’t let a low credit score stop you from pre-qualifying – we’ve helped millions build credit, now it’s your turn.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • Our mobile app helps you keep track of your spending and payments for greater financial control.
  • When you need assistance our award-winning US-based Customer Service agents are there to help.

Fortiva® Mastercard® Credit Card

Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair

  • Annual Fee

    See Terms

  • Regular Purchase APR

    29.99% or 36% Fixed

  • Rewards

    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.

  • Full Details

    Card Page

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.

Milestone® Mastercard®

Greater access to credit than before - $700 credit limit

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair/Good

  • Annual Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Greater access to credit than before – $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability for unauthorized use
  • Access your account online or from your mobile device 24/7

PREMIER Bankcard® Gold Credit Card

Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair/Poor

  • Annual Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority.
  • PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
  • Credit limit increase eligible after 12 months of consistent responsible account management.
  • We’ll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
  • Award-winning, U.S.-based customer service