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 
 

  • Start with no annual fee for the first year; $19 after that
  • 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
  • Pick the monthly payment due date that works best for you
  • Pay however you want—by check, online, or at a local branch, all with no fee
  • Get access to your account 24 hours a day, 7 days a week
  • Start building for the future with features that can help you get there
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
24.9% (V)
Annual Fee
$0 intro for first year; $19 after that
 



 Playstation® Card from Capital One®  
 

  • Earn 5,000 bonus points after your first purchase in the first 90 days
  • 10 points per $1 spent on all Playstation® Store purchases
  • 3 points per $1 spent on Playstation® and Sony purchases at Sony Store and store.sony.com
  • 3 points per $1 spent on quick service restaurants, movie theatres & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until June 2015, after that a variable 13.9% - 24.9% applies
  • No annual fee
  
 Intro Purchase APR
0% ""until June 2015*
Intro Balance Trans. APR
N/A*
APR
13.9% - 24.9% (V)
Annual Fee
$0
 



 READYdebit® Visa Prepaid Card 
 

  • Instant Account Number - A Great Card for your Money.
  • Free† Direct Deposit - paycheck, benefits, tax refunds
  • Easy Online Bill Payment & Mobile Account Access
  • No Purchase Transaction Fees
  • No Overdraft Fees or Balance Minimums
  • Withdraw cash at ATMs or get cash back with purchases
  • Free Credit ScoreTracker1 with direct deposit
  • Choose Your Card Color - Blue or Pink
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
$9.95 monthly fee
 



 Account Now Gold Visa® Prepaid Card 
 

  • Get Paid up to 2 days faster with Free Direct Deposit † - get your paycheck or benefits checks in your card account and access your funds up to 2 days earlier than payday.
  • 100% Guaranteed Approval - upon successful ID verification. No Credit check. No ChexSystems check. And no existing bank account required.
  • $0 Activation Fee. No Minimum Balance. No Overdraft fees.
  • $15 Bonus§ with recurring Direct Deposit. Never pay to cash your paychecks and get your pay faster.
  • Use it everywhere Visa Debit cards are accepted and pay anyone with PayAnyone Bill Pay. Shop online, rent a car, pay your rent and more.
  • Easy Mobile Account Access and Text Alerts. Get your account balance, transaction details sent to your phone within seconds
  • BBB Accredited A+ Company. Excellent Customer Service.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
N/A
Annual Fee
up to $9.95 monthly fee
 



 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
 



 Barclaycard® Rewards MasterCard® - Average Credit 
 

  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Scores as a benefit to active cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
24.99%* (Variable)
Annual Fee
$0
 



 Capital One® Classic Platinum Credit Card 
 

  • 0% intro APR on purchases until May 2015
  • 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
  • Pick the monthly payment due date that works best for you
  • Pay however you want—by check, online, or at a local branch, all with no fee
  • Get access to your account 24 hours a day, 7 days a week
  • Start building for the future with features that can help you get there
  
 Intro Purchase APR
0% ""until May 2015*
Intro Balance Trans. APR
N/A*
APR
22.9% (V)
Annual Fee
$39
 



 Credit One Bank® Gas Rewards Credit Card 
 

  • 1% back on all gas purchases
  • No limit to the gas rewards you can earn
  • Rewards post to your account automatically each month
  • Get pre-qualified without affecting your credit score
  • Make your first six payments on time and get a credit line increase
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Choose your card design from our premium gallery
  • Email or text alerts to remind you when your payment is due
  
 Intro Purchase APR
N/A*
Intro Balance Trans. APR
N/A*
APR
17.90%-23.90% (Variable)
Annual Fee
$35-$75
 



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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.