Credit Cards for Fair Credit


Contrary to what has become a somewhat popular belief across the highly competitive market for online credit card offers, the packages and feature rundowns of credit card applications offered to those with fair overall credit can often prove to be a highly competitive and worthwhile selection, for those willing to do a bit of smart research before signing the paperwork.

Below, you'll be able to explore our database of the best overall credit card offers currently being made available for those with fair credit scores - our Fair Credit credit card applications include a versatile selection of credit card offers that can very often rival the perks and rewards programs of card applications offered to those with good credit, while still maintaining the opportunity to build up one's credit. Pay your minimum payment on time each month and keep your balance low relative to your limit will provide your credit report with positive marks on a monthly basis. 

Be sure to look into everything that our Fair Credit credit card selection has to offer, and avoid signing the paperwork on any cards that may have higher APR or annual fees than you might prefer to pay.

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Masseys Credit

  • See if you are pre-qualified instantly, without affecting your credit score
  • Less than perfect credit is okay
  • Credit lines up to $500
  • Payments as low as $5.99 per month (subject to final credit approval)
  • Automatic reviews for credit line increase opportunities
  • Buy now, pay later! One stop shopping for name brand shoes, apparel and more!

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Fair Credit, Limited Credit Consumer $0* N/A N/A See Terms* None Be the first to write one

Milestone® Mastercard®

  • Simple application process with a quick decision
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Reports to all three major credit bureaus
* The Milestone Mastercard is issued by Concora Credit Inc. Applications are subject to issuer review (which may include obtaining your credit report) and approval. Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Poor Credit Consumer $35 - $99* N/A N/A 24.9% None Be the first to write one

Blain's Farm & Fleet Rewards Mastercard®

Life can be more rewarding with the Blain’s Farm & Fleet Rewards Mastercard. Earn rewards on purchases you already make. Not only at Blain’s Farm & Fleet, but at gas stations, grocery stores, and everywhere else. For larger Blain's Farm & Fleet purchases low promotional special financing is available.
 
  • 3 POINTS per $1 spent At Blain's Farm & Fleet*
  • 2 POINTS At Gas Stations & Grocery Stores
  • 1 POINT Everywhere Else

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Good Credit, Above Average Credit, Fair Credit Consumer $0* N/A 0% for 12 billing cycles* 26.74% (Variable)* Store 1

First Latitude Select Mastercard® Secured Credit Card

  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Past credit issues shouldn’t prevent you from getting a credit card with great benefits & rewards!
  • Choose your own fully-refundable credit line - $200 to $2000 – based on your security deposit.
  • Build or rebuild your credit!¹
  • Accepted wherever Mastercard® is accepted
  • Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
  • *See Important Disclosures for complete offer details
  • See Rates & Fees

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Limited Credit, Fair Credit Secured $25 for the first year, after that $35 annually N/A N/A 19.24% (V) Cash Back 1

Reflex® Platinum Mastercard®

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • 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
  • See Rates & Fees

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Limited Credit, Poor Credit Consumer $75 - $125 N/A N/A 29.99% APR (Variable) None Be the first to write one

Merrick Bank Secured Credit Card

  • Choose your own credit line based on how much money you want to put down as a security deposit.
  • Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
  • After 9 months, we review your account for a credit line increase. No additional deposit required!
  • Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
  • Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
  • Get your FICO® Credit Score for free each month.
  • Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
  • Card issued by Merrick Bank, Member FDIC.

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Average Credit, Poor Credit Secured $36 for first year. Billed $3 per month thereafter N/A N/A 22.70% Variable None Be the first to write one

OpenSky® Secured Visa® Credit Card

  • New feature! Earn up to 10% cash back* on everyday purchases
  • No credit check to apply. Zero credit risk to apply!
  • Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
  • Get free monthly access to your FICO score in our mobile application
  • Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
  • Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
  • Fund your card with a low $200 refundable security deposit to get a $200 credit line
  • Apply in less than 5 minutes with our mobile first application
  • Choose the due date that fits your schedule with flexible payment dates
  • Fund your security deposit over 60 days with the option to make partial payments
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Limited Credit, Poor Credit Secured $35 N/A N/A 25.64% (variable) None Be the first to write one
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