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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Merrick Bank Double Your Line™ Platinum Visa® Credit Card

  • See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
  • Credit Line Range $550 - $1,250, Doubling to $1,100 - $2,500.
  • Double Your Line by making at least your minimum payment on time each month for the first 7 months your account is open. After you make your payments, the increase is automatic.
  • Get your updated FICO® Score each month.
  • $0 Fraud Liability protects you from unauthorized charges.
  • Online and mobile Account Access.
  • No Penalty Rates or Over Limit Fee
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Poor Credit Consumer $0-$70 N/A N/A 20.95% - 29.20% Variable None Be the first to write one

First PREMIER® Bank Mastercard® Credit Card

  • YOU'RE NOT ALONE. With millions of customers nationwide, PREMIER has the expertise to serve you, your family and friends
  • Access to available credit when you need it
  • Low monthly payment intended to fit your budget
  • Build credit with First PREMIER - opportunity for credit limit increases after consistent responsible account management
  • Customized account management options to fit your needs
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

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

First PREMIER® Bank Credit Card

  • YOUR HELPING HAND - A full-service website means First PREMIER Bank customers enjoy 24-hour access to easily manage personal account needs 
  • Access to credit, and the things you need (subject to available credit)
  • Low monthly payment intended to fit your budget
  • Choose which customized account management options are right for you
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 2

First PREMIER® Bank Gold Credit Card

  • WE’RE HERE TO HELP YOU - As the 12th largest issuer of Mastercard, First PREMIER Bank understands customer needs and is there for those who may be rejected by other issuers. 
  • Access to credit, when you need it most (subject to available credit) 
  • Build credit with First PREMIER-opportunity for credit limit increases after consistent responsible account management 
  • Customized account management options to fit your needs
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

  • BY YOUR SIDE EVERY STEP OF THE WAY - First PREMIER Bank values its customers and employees and helping them secure a bright future 
  • Access to available credit for necessities
  • Choose which customized account management options are right for you 
  • Build credit with First PREMIER-opportunity for credit limit increases after consistent responsible account management 
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

PREMIER Forward® Mastercard® Credit Card

  • WORKING TOGETHER - US-based customer service means First PREMIER Bank supports the economy impacting the lives of customers and those closest to them
  • Access to credit, when you need it most (subject to available credit)
  • Customized account management options to fit your needs
  • Low monthly payment intended to fit your budget
  • Fast, easy & secure online applications
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 Digital Mastercard®

  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • Easy and secure online application – It takes just moments to apply.
  • Issued by Synovus Bank, Member: FDIC
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
See website for Details* Consumer $75.00 for first year After that, $48.00 annually N/A N/A 35.99% None Be the first to write one

Target REDcard® Store Card

In-store. Online. Every time. Save 5% every day & get exclusive extras with REDcard. Some restrictions apply. See terms for REDcard benefits & program rules.
 Debit card
  • Links to your existing checking account.
  • Cash withdrawal at checkout up to $40.
  • View transactions & manage your PIN at Target.com/myREDcard.
Credit card
  • Charge your Target purchases in-store & at Target.com.
  • Receive a monthly bill.
  • Check balance, make payments & review statements at Target.com/myREDcard.
Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Above Average Credit Consumer $0* N/A N/A 25.15% (Variable)* Store 74

Blaze Mastercard® Credit Card

  • Less than perfect credit? Looking to rebuild your credit? You may qualify for a Blaze Mastercard.
  • Credit limit up to $1,500 - most receive an initial credit limit of $350; some higher.
  • Once approved, you may get a credit line increase in as little as 6 months by: making on-time payments, staying below your credit limit, and keeping your account in good-standing.
  • An unsecured credit card with no deposits required!
  • Set up account and security alerts to stay in-the-know with activity on your account.
  • Securely manage your account on your time with our new and easy to use mobile app.
  • Enjoy 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 $75 N/A N/A 29.9% Fixed None 1
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