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.
Milestone® Mastercard® with Cashback Rewards
Guaranteed $1,000 credit limit if approved.
-
Card Brand
MasterCard®
-
Credit Recommended
Fair
-
Annual Fee
$250 the first year; $99 thereafter
-
Monthly Fee
$0 the first year (billed $0 each month); $231 annually thereafter (billed $19.25 each month)
-
Regular Purchase APR
35.90%
-
Rewards
Earn 5% Cashback Rewards on your first $5,000 in gas purchases! See Terms.
- Full Details
Highlights
- Guaranteed $1,000 credit limit if approved.
- Fuel your savings: Earn 5% Cashback Rewards on your first $5,000 in gas purchases! See Terms.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- Don’t Have Perfect Credit? No Problem!
- No security deposit required—get started today!
-
Card Brand
MasterCard®
-
Credit Recommended
All Credit Types Accepted
-
Annual Fee
$60* (*discounted in Year 1 for starting credit lines under $300)
-
Monthly Fee
N/A
-
Regular Purchase APR
24.99%
-
Rewards
1% cashback on gas and groceries
- Full Details
Highlights
- No hard inquiry to apply.
- Apply in 5 minutes or less.
- Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit as you master your personal finances in the Arro app.
- Reports to all 3 credit bureaus.
- The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
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
$175 the first year; $49 thereafter
-
Monthly Fee
$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
-
Regular Purchase APR
35.9%
-
Rewards
n/a
- Full Details
- Rates & Fees
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.
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
-
Monthly Fee
N/A
-
Regular Purchase APR
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
Highlights
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- $0 fraud liability**
- No Security Deposit
- The Imagine Card is issued by WebBank
- Review Cardholder Agreement for rate and fee information
*See Program Terms for important information about the cash back rewards program.
**Zero liability subject to Visa’s Zero Liability Policy.
Destiny® Mastercard® – Up to 3% Cashback Rewards
No security deposit required—get started today!
-
Card Brand
MasterCard®
-
Credit Recommended
Fair
-
Annual Fee
$175 the first year; $49 thereafter
-
Monthly Fee
$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
-
Regular Purchase APR
35.90%
-
Rewards
Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases and 1% Cashback Rewards on all other purchases
- Full Details
- Rates & Fees
Highlights
- A rewards card for people with less-than-perfect credit!
- Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
- A guaranteed $700 credit limit to help you build access to credit, if approved.
- With Cashback Rewards, you get to live like an A-lister.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
- No security deposit required—get started today!
Aspire® Cash Back Rewards Mastercard
Up to $1,000 credit limit subject to credit approval
-
Card Brand
MasterCard®
-
Credit Recommended
Fair
-
Annual Fee
$85-$175 first year, $229 thereafter
-
Monthly Fee
N/A
-
Regular Purchase APR
36% Fixed
-
Rewards
Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Full Details
Highlights
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
- No security deposit
- Free Access to your Credit Score†
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
† 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® – 1.5% Cashback Rewards
Unlimited 1.5% Cashback Rewards earned on every purchase
-
Card Brand
MasterCard®
-
Credit Recommended
Fair
-
Annual Fee
$175 the first year; $49 thereafter
-
Monthly Fee
$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
-
Regular Purchase APR
See Terms
-
Rewards
Unlimited 1.5% Cashback Rewards earned on every purchase
- Full Details
- Rates & Fees
Highlights
- Turn everyday purchases into 1.5% Cashback Rewards!
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
- No upfront security deposit required so you can keep more money in your pocket.
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
- A rewards card for people with less than perfect credit!
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
-
Monthly Fee
$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
-
Regular Purchase APR
35.90%
-
Rewards
n/a
- Full Details
- Rates & Fees
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.
Reflex® Platinum Mastercard®
Up to $1,000 credit limit doubles up to $2,000*
-
Card Brand
MasterCard®
-
Credit Recommended
Bad/Fair
-
Annual Fee
$75 introductory fee for the first year, then $99 thereafter Credit Limit of $500, $750, or $1,000: $125 annually
-
Monthly Fee
N/A
-
Regular Purchase APR
35.90% Fixed
-
Rewards
n/a
- Full Details
Highlights
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- 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)
- 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
- Mastercard Zero Liability Protection (subject to Mastercard guidelines)
* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.
Surge® Platinum Mastercard®
Up to $1,000 credit limit doubles up to $2,000*
-
Card Brand
MasterCard®
-
Credit Recommended
Bad/Fair
-
Annual Fee
Credit Limit of $300: $75 introductory fee for the first year, then $99 thereafter Credit Limit of $500, $750, or $1,000: $125 annually
-
Monthly Fee
N/A
-
Regular Purchase APR
35.90% Fixed
-
Rewards
n/a
- Full Details
Highlights
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- All credit types welcome to apply!
- 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
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Checking Account Required
- Mastercard Zero Liability Protection (subject to Mastercard guidelines)
Give Your Credit a Surge
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
How it Works
The Surge credit card is designed for people with less than perfect credit who want to get back on track. After you complete our short and easy online application, your results will be ready in a matter of seconds! Don’t miss this chance to Surge!
Why Choose the Surge Card?
If you have poor credit and are trying to improve your credit score, using a credit card responsibly may help. The Surge Mastercard® will report your payment activity to the three major credit bureaus on a monthly basis. Maintaining a low balance and paying your bill on time every month are two of the best practices for positive credit.
Get Approved Today!
It is easy to complete our online application. The Surge Mastercard® is designed for people with less than perfect credit. If you make on-time minimum payments and maintain your balances under the credit limits, you may be able to build, rebuild, or reestablish your credit!
* Simply make at least your first six monthly minimum payments on time and your initial Credit Limit up to $1,000 doubles up to $2,000.
Fortiva® Cash Back Rewards Mastercard
Up to $1,000 Credit Limit
-
Card Brand
MasterCard®
-
Credit Recommended
Fair
-
Annual Fee
$85-$175 first year, $229 thereafter
-
Monthly Fee
N/A
-
Regular Purchase APR
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
Highlights
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Use Anywhere Mastercard is Accepted
- No Security Deposit
- $0 fraud liability**
- Free access to your Credit Score†
*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.
FIT™ Platinum Mastercard®
Fast & Easy Application; Results Online in Seconds
-
Card Brand
MasterCard®
-
Credit Recommended
Bad/Fair
-
Annual Fee
$0 introductory fee for the first year, then $150 thereafter (billed $12.50 per month).
-
Monthly Fee
N/A
-
Regular Purchase APR
35.90% Fixed
-
Rewards
n/a
- Full Details
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
- Mastercard Zero Liability Protection (subject to Mastercard guidelines)