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

PREMIER Bankcard® Mastercard® Credit Card

Start building credit by keeping your balance low and paying all your bills on time each month

  • Rating

  • Credit Recommended

    Fair/Poor

  • Regular Purchase APR

    See Issuer Website

  • Annual Fee

    See Terms

  • Updated For

    Sun 02 Mar 2025

  • 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 $99

  • Regular Purchase APR

    29.99% or 36% Fixed

  • Rewards

    Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.

  • Full Details

    Card Page

Highlights

  • Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Up to $1,000 credit limit subject to credit approval
  • $0 fraud liability**
  • Free Access to your 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 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 WebBank (the issuer of this card) or other creditors to make credit decisions.

Experian CreditMatch™

Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!

  • Card Brand

    See Terms

  • Credit Recommended

    Any Credit Welcome

  • Annual Fee

    See Terms

  • Regular Purchase APR

    See Terms

  • Rewards

    See Terms

  • Full Details

    Card Page

Highlights

Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!

  • Free Experian credit report and FICO® Score* included
  • See estimated approval odds for select cards before you apply
  • Check if you have pre-approved card offers

See your best matches based on you

  • Simply sign in to see the credit cards that best match you
  • Compare your best options and make your choice
  • We apply your FICO® Score so you can apply with confidence

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

    Up to 10% cash back from your favorite brands with Upgrade Shopping

  • Full Details

    Card Page

Highlights

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Combine the fl exibility of a card with the predictability of a personal loan
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • See if you qualify in seconds with no impact to your credit score
  • No touch payments with contactless technology built in
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

Welcome Bonus Disclosure: *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 off er. 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 off ers 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. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.

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

Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/20415490542747-Upgrade-Select-Card-details

Destiny® Mastercard® with Instant Credit

A guaranteed $700 credit limit to help get your financial goals on track, if approved.

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair

  • Annual Fee

    $175 the first year; $49 thereafter

  • Regular Purchase APR

    35.90%

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • A guaranteed $700 credit limit to help get your financial goals on track, if approved.
  • Don’t wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
  • Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
  • Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
  • No security deposit, just instant purchasing power. See Terms.
  • Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
  • Get the credit you deserve, even with less-than-perfect history.

Indigo® Mastercard® for Less than Perfect Credit

Higher limit than before, still no security deposit required!

  • Card Brand

    MasterCard®

  • Credit Recommended

    Bad/Poor/Fair

  • Annual Fee

    See Terms

  • Regular Purchase APR

    35.9%

  • Rewards

    n/a

  • Full Details

    Card Page

Highlights

  • Now with higher credit limits
  • Increase your access to available credit
  • Higher limit than before, still no security deposit required!
  • Greater access to credit than before
  • Less than perfect credit is okay
  • Mobile account access at any time
  • Account history is reported to the three major credit bureaus in the U.S.

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.

Fortiva® Mastercard® Credit Card

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

  • Card Brand

    MasterCard®

  • Credit Recommended

    Fair

  • Annual Fee

    $85-$175 first year, $229 thereafter

  • Regular Purchase APR

    29.99% or 36% Fixed

  • Rewards

    Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.

  • Full Details

    Card Page

Highlights

  • Earn Cash Back Rewards* on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
  • Use 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
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