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. The featured credit card offers that we showcase below will often include deals and bonuses normally reserved for cards in a higher credit score range, so be sure to check back often to take full advantage of the best entry level and fair credit deals that the internet has to offer.

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First PREMIER® Bank Mastercard® Credit Card

  • WORKING TOGETHER - First PREMIER Bank cares about our community, our customers, our employees and helping them build a bright future.*
  • Build credit - Manageable credit limit, manageable payment, meant to fit your budget (build credit by keeping your balance low and paying on time every month)
  • Access to credit, when you need it most (subject to available credit)
  • Enjoy peace of mind with free identity theft resolution services (subject to Mastercard guidelines)
  • First PREMIER customer service: helpful, friendly, fast
  • You could be approved for a credit limit increase after your 1 year anniversary - Just Ask!
*Build credit by keeping your balance low and paying on time every month.

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

First PREMIER® Bank Credit Card

  • HERE FOR YOU – NOW & IN THE FUTURE – First PREMIER Bank values its customers and employees and helping them build a bright future.*
  • Looking to build a credit future?  We report to the major consumer reporting agencies monthly*
  • Manageable credit limit, manageable payment, meant to fit your budget
  • Enjoy peace of mind with free identity theft resolution services (subject to Mastercard guidelines) 
  • First PREMIER customer service goes above and beyond to provide patient, friendly help
  • PREMIER puts control in your hands, just ask to be evaluated for a credit limit increase after 12 months
*Build credit by keeping your balance low and paying on time every month.

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

Petal 1 "No Annual Fee" Visa® Credit Card

  • $0 Annual Fee.
  • Up to 10% cash back from select merchants.
  • $500 - $5,000 credit limits.
  • Variable APRs 19.99-29.49%.
  • No annual or international transaction fees. Late and returned payment fees may apply.
  • Build credit alongside tens of thousands of Petal Card members.
  • Cash flow technology may help applicants without credit history get approved.
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments.
  • See if you're pre-approved within minutes without impacting your credit score.
  • Petal reports to all 3 major credit bureaus.
  • No deposits required.
  • Card issued by WebBank, Member FDIC
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit Consumer $0 N/A N/A 19.99 - 29.49% Variable Cash Back Be the first to write one

Aventium® Classic Credit Card

  • WE’RE HERE TO HELP YOU - Since 1989, First PREMIER Bank has worked to help individuals and families with less-than-perfect credit obtain the credit they need to improve their financial health*  
  • Looking to begin your credit building journey?  We report to the major consumer reporting agencies monthly*
  • Enjoy peace of mind with free identity theft resolution services (subject to Mastercard guidelines)  
  • Friendly, helpful US-based customer service puts customers front and center
  • Credit limit increases can be evaluated after 12 months. Just ask!
  • Quarterly FICO Score is provided for free on your monthly billing statement
*Build credit by keeping your balance low and paying on time every month.

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 1

Indigo® Platinum Mastercard® Credit Card

  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Average Credit Consumer $0 - $99 N/A N/A 24.9% None 3

PREMIER Forward® Mastercard® Credit Card

  • YOU & PREMIER: A SOLID TEAM – First PREMIER Bank values its customers and employees and helping them build a bright future.*
  • Looking to begin your credit building journey?  We report to the major consumer reporting agencies monthly*
  • Access to available credit when you need it 
  • Enjoy peace of mind with free identity theft resolution services (subject to Mastercard guidelines)
  • With a 4.5 (out of 5)-star rating, First PREMIER customer service shows that it works hard to help customers
  • Credit Limit Increase Eligible —upon request, and after 12 months of consistent responsible account management (on-time payments and staying within the credit limit).
*Build credit by keeping your balance low and paying on time every month.

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

First PREMIER® Bank Gold Credit Card

  • WE'RE HERE TO HELP YOU - Since 1989, First PREMIER Bank has worked to help individuals and families with less-than-perfect credit obtain the credit they need to improve their financial health.*
  • Looking to build credit?  We report to the major consumer reporting agencies monthly*
  • Access to available credit when you need it 
  • Enjoy peace of mind with free identity theft resolution services (subject to Mastercard guidelines)
  • Courteous, caring customer service: that’s what First PREMIER is all about
  • Credit limit increases can be evaluated after 12 months. Just ask!
*Build credit by keeping your balance low and paying on time every month.

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

First PREMIER® Bank Classic Credit Card

  • YOUR HELPING HAND - Since 1989, First PREMIER Bank has worked to help individuals and families with less-than-perfect credit obtain the credit they need to improve their financial health.*
  • Looking to build a credit future?  We report to the major consumer reporting agencies monthly*
  • Use available credit for basics like gas and food when you need them
  • Enjoy peace of mind with free identity theft resolution services (subject to Mastercard guidelines)
  • US-based customer service that’s both professional and personable
  • Customers can request to be evaluated for a credit limit increase after 12 months
*Build credit by keeping your balance low and paying on time every month.

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

Total VISA® Unsecured Credit Card

  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine Visa card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • $300 credit limit (subject to available credit)
  • Reports monthly 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 See Terms N/A N/A See Terms None 2

Destiny Mastercard®

  • All the benefits of a Mastercard, without a security deposit
  • Keeping your account in good standing may help establish and/or improve your credit history
  • Less than perfect credit is okay, even with a prior bankruptcy!
  • Prequalify for a card today and it will not impact your credit score
  • Reports to all three major credit bureaus
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Fair Credit Consumer $59-$99 N/A N/A 24.9% None Be the first to write one
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