Fair Credit Credit Cards


Just because you have fair credit doesn’t mean you can’t get a good credit card. There are cards available with reasonable interest rates, you just need to know where to look. These fair credit credit cards can help you build your credit as long as you make on-time monthly payments. As you build your history many of these cards will increase the credit limits of the cards. With so many credit cards for fair credit to choose from, we decided to do some research and rank the best cards available online. Based on our research we created the Top Fair credit cards list.

There are several banks that offer cards specifically designed for people with fair credit, but only a few do it well. The banks that have done a good job report to the 3 major credit bureaus monthly and have low annual fees for their cards. Some of the top cards offer attractive introductory interest rates. Please review our Top 5 Fair Credit Credit Cards list and select the card that is right for you.

 Capital One® Platinum Credit Card 
 

  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
24.99% (Variable)
Annual Fee
$0
 



 USAA Secured Card® Platinum Visa® 
 

  • USAA Eligibility Requirement: Today, USAA membership is only open to U.S. military service members, veterans who have received an discharge type of Honorable, and their eligible family members.
  • It's a real credit card - not a prepaid or debit card, that helps you build or improve your credit score.
  • When you apply - you'll also be opening a USAA 2-year Certificate of Deposit (CD), an interest-earning deposit account that has a two-year term and a $250-minimum initial deposit.
  • Your CD is a security deposit - the money you put in upfront, from $250 to $5,000, is the card's credit limit.
  • Earn interest on your CD - your deposit is guaranteed to grow. Plus the money is yours to keep as long as you don't default on your payments.
  • Start building your credit - opening a CD lets you get a credit card even if you don't have a credit history or have bad credit.
  • Chip technology has added security when used at a chip-enabled terminal and greater acceptance worldwide.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
10.15%-20.15% (Variable)
Annual Fee
$35
 



 Credit One® Platinum Visa® Credit Card 
 

  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
  • Choose your card design from our premium gallery, a fee may apply
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Rewards post to your account automatically each month
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
15.65% - 24.15% Variable
Annual Fee
$0 - $99
 



 Are you pre-approved for Fingerhut Credit. Enter your name and address and find out now. 
 

  • Build your Credit with Fingerhut!
  • Shop Great Brands.
  • Are you pre-approved for Fingerhut Credit? Enter your name and address and find out now.
  • Apply for Fingerhut Credit today. Fill out our easy online application.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
24.90% (Variable)
Annual Fee
$0
 



 Gettington Credit 
 

  • Features a low APR, no annual fees**, no hidden fees** and the ability to pay your way.
  • Want to pay off purchases faster? Then this is the option for you. Just make 4 Monthly Payments, and you'll be paid in full.
  • When you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less - much faster than a typical credit card payback!
  • Plus, Gettington Credit customers get exclusive offers, sales and promotions.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
14.90% - 19.90%
Annual Fee
$0
 



 Next Millennium 
 

  • Enjoy a $1,000 Credit Line!
  • No Credit Checks & No Credit Turndowns!
  • Buy Now...Pay Later!
  • Low Monthly Payments!
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
$0
 



 Luxe Signature 
 

  • 0% Interest for Members!
  • The Power to Purchase!
  • Shop with Confidence!
  • Low Monthly Payments!
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
$0
 



 Vast Platinum Card 
 

  • Enjoy a $1,000.00 Credit Line!
  • 0% Financing on brand name products exclusively at our online store.
  • Low Monthly Payments!
  • Enjoy amazing benefits like 24/7 Roadside Assistance. Legal Assistance.
  • Low payments of only $19.95/mo.
  • No Credit Checks & No Credit Turndowns!
  • Buy Now... Pay Later!
  
 Intro Purchase APR
0.00% for N/A*
Intro Balance Trans. APR
N/A*
APR
0.00%
Annual Fee
$19.95 per month
 



 Credit One® Rewards Credit Card 
 

  • Credit One automatically monitors every account for credit line increase opportunities. We'll let you know as soon as you're eligible for additional credit.
  • See if you're Pre-Qualified without harming your credit score. In less than 60 seconds, find the card that's right for you.
  • Earn 1% cash back on gas and grocery purchases. Terms apply.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account will be reported monthly to all three major credit bureaus.
  • Zero fraud liability protects you from unauthorized charges.
  • Set up custom email or text alerts, so you'll always be aware of your payment due date, when your payment posts, or if your available balance runs low.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
15.65% - 24.15% Variable
Annual Fee
$0 - $99
 



 Capital One® QuicksilverOne® Cash Rewards Credit Card 
 

  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases until February 2017; 23.24% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  
 Intro Purchase APR
0% ""until February 2017*
Intro Balance Trans. APR
0% ""until February 2017*
APR
23.24% (Variable)
Annual Fee
$39
 



 Milestone® Gold MasterCard® 
 

  • 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
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
23.90% (Fixed)
Annual Fee
$35-$99 (varies by credit level)
 



 Capital One® Card Finder Tool 
 

  • Find card offers you may be eligible for without affecting your credit score
  • Get matched to features you want like low intro rates, cash back or miles, and more
  • See your card matches in less than 60 seconds
  • Find a card for where you are to help you prepare for what's ahead
  • All Capital One cards come with fraud coverage if your card is lost or stolen
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone
  • Pick the monthly payment due date that works best for you
  • Pay the way you want - by check, online, or at a local branch
  
 Intro Purchase APR
See Terms for See Terms*
Intro Balance Trans. APR
See Terms for See Terms*
APR
Various Rates
Annual Fee
See Terms
 



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Rating: 5.0/5 (3 votes cast)
Fair Credit Credit Cards, 5.0 out of 5 based on 3 ratings

Credit Cards for Fair Credit

You might not have a perfect credit history, but that doesn’t mean that you can’t get a decent credit card. There are more credit cards for people with fair credit now than there has ever been. The banks are thinking long term when they create these products. They want to create a relationship with a cardholder so that when that cardholder’s credit score and history does improve, they will consider staying with their bank but with a much better credit card offer. With a fair credit credit card there generally will be an annual fee. Anything above $39 per year isn’t really reasonable. There are several cards at or below that level. The credit lines of these cards will be more than if you had bad credit, but less than if you would have had good or excellent credit. The main purpose of these cards are to help you build your credit history. Most of these credit cards for fair credit do report to all three major credit bureaus.

Deciding on a Fair Credit Credit Card

Choosing which card to apply for doesn’t have to be a monumental task, but you do want to choose wisely. You don’t want to end up paying higher annual fees or higher interest rates than you should. When we did our research, we compared the different credit cards for fair credit that were available online. We analyzed their annual fees, interest rates, and account management features. The cards needed to be above what their peers were providing. There aren't too many credit card issuers focusing on fair credit, but there is enough to have some choice. Based on that research, we published our Top 5 Fair Credit Cards list.

Improving Your Fair Credit Score

Everyone is capable of achieving the goal of having excellent credit. Excellent credit provides you with access to the best financing terms on big purchase items such as a car or a house, but also the best credit card offers. Like with most things in life it just takes work. Those few blemishes on your credit will go away with time. The key is to set a budget, live within your means, and pay your credit card bills on time. As you make those payments, that positive activity will get reported to the three major credit bureaus. As they see that you are managing your credit well, your credit score will continue to increase. Once you achieve your goal, you will have access to many great credit opportunities.