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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PREMIER Bankcard® Mastercard® Credit Card
- Don’t let a low FICO score stop you from applying – we approve applications others may not.
- You don’t need good credit to apply.
- Just complete the short application and receive a response in 60 seconds.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
| 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 | 4 |
Fortiva® Mastercard® Credit Card
- Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
- Earn 1% Cash Back Rewards* on all other eligible purchases
- Good anywhere Mastercard® is accepted
- $0 fraud liability**
- Free access to your VantageScore 4.0 credit score from TransUnion®†
*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 | As low as $85 | N/A | N/A | 29.99% or 36% Fixed | Cash Back | Be the first to write one |
Aspire® Cash Back Reward Card
- Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
- Earn 1% Cash Back Rewards* 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 VantageScore 4.0 score from TransUnion®†
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry (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 | As low as $85 | N/A | N/A | 29.99% or 36% Fixed | Cash Back | Be the first to write one |
Total Visa® Card
- Earn 1% cash back rewards on payments made to your Total Credit Card
- Checking Account Required
- $300 credit limit (subject to available credit)
- No security deposit, simply pay a one-time $95 program fee to open your account.*
- User friendly Mobile App.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See Total Card Visa Rewards Programs Terms & Conditions for details
| 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 |
First PREMIER® Bank Gold Credit Card
- Don’t let a low FICO score stop you from applying – we approve applications others may not.
- You don’t need good credit to apply.
- Just complete the short application and receive a response in 60 seconds.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
| 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 | Be the first to write one |
PREMIER Bankcard® Grey Credit Card
- You don’t need good credit to apply.
- We help people with bad credit, every day.
- Just complete the short application and receive a response in 60 seconds.
- You can build or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
- Don’t let a low FICO score stop you from applying – we approve applications others may not.
- FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
| 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 |
PREMIER Bankcard® Mastercard® Credit Card
- Everyone deserves a chance to build credit: apply today!
- PREMIER Bankcard credit cards are for building credit.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
- FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any PREMIER Bankcard® product.
| 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 | 4 |
Revenued Business Card
- Earn 3% cash back on every single card purchase
- No monthly or annual fees while using your Revenued Business Card
- No minimum credit score to get approved. Business revenue determines your spending availability
- Earn $500 after spending $5,000 within your first 3 months of being a cardholder
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Poor Credit, Good Credit | Business | $0* | N/A | N/A | N/A* | Cash Back | Be the first to write one |
Milestone® Mastercard®
- Prequalify for a card today and it will not impact your credit score
- Less than perfect credit is okay
- 24/7 access to your account information, even on mobile
- Reports to all three major credit bureaus
| 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 |
Stoneberry Credit
- See if you are pre-qualified instantly, without affecting your credit score
- Less than perfect credit is okay
- Credit lines up to $1,000
- Payments as low as $5.99 per month
- Automatic reviews for credit line increase opportunities
- Buy now, pay later! One stop shopping for bedding, kitchenware, electronics, jewelry 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 |
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