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Credit Cards for Fair Credit


Having fair credit doesn't mean you're limited to second-rate card offers. In fact, many credit cards designed for fair credit come with solid perks and competitive features - if you know where to look.

Below, you'll find a curated list of credit card offers tailored to fair credit scores. These cards often include rewards programs, low or no fees, and the opportunity to build your credit with responsible use. Make on-time payments and keep your balance low, and you'll strengthen your credit profile over time.

Take your time reviewing the options, and steer clear of cards with high APRs or fees that don't match your financial goals.

Showing 14 of 14 Results
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PREMIER Bankcard® Grey Credit Card - Credit Card
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PREMIER Bankcard® Grey Credit Card

  • Pre-qualify with no impact to your credit score
  • Helping people build credit is our first priority – start your credit-building journey today.
  • Start building credit by keeping your balance low and paying all your bills on time each month.
  • We report monthly to the Consumer Reporting Agencies to help you build your credit.
  • Award-winning, U.S.-based customer service

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Average Credit Consumer See Terms* N/A N/A See Terms* None 3
Fortiva® Cash Back Rewards Mastercard - Credit Card
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Fortiva® Cash Back Rewards Mastercard

  • 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.

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Average Credit Consumer $85-$175 first year, $229 thereafter N/A N/A 36% Fixed Cash Back Be the first to write one
Aspire® Cash Back Rewards Mastercard - Credit Card
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Aspire® Cash Back Rewards Mastercard

  • 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.

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Above Average Credit, Limited Credit Consumer $85-$175 first year, $229 thereafter N/A N/A 36% Fixed Cash Back Be the first to write one
Total Visa® Card - Credit Card
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Total Visa® Card


Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Poor Credit, Limited Credit Consumer See Terms* N/A N/A 35.99%* None 2