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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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
* The Milestone Mastercard is issued by The Bank Of Missouri and serviced by Genesis FS Card Services, 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

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

Mission Lane Visa® Credit Card

  • See if you qualify instantly without harming your credit score.
  • Be automatically considered for a higher credit line in as few as 7 months.
  • Free, online credit score access for cardholders.
  • Instant decision on your application.
  • No interest on purchases when you pay in full and on time each month.
  • No security deposit required – get started today!
  • Enjoy coverage from Visa®.
  • Access your account anytime, anywhere with our mobile app.
  • If you are charged interest, the charge will be no less than $0.50.

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit, Good Credit, Poor Credit Consumer $0-59 N/A N/A 26.99 - 29.99% Variable None Be the first to write one

First Latitude Platinum Mastercard® Secured Credit Card

  • Earn 1% Cash Back Rewards on payments made to your First Latitude Secured credit card account.
  • Building credit starts immediately when you open your account - just pay your bill on time to establish your credit.*
  • Reports to all 3 major credit bureaus
  • First Latitude is accepted wherever Mastercard® is accepted, online and worldwide!
  • Pay 6-months-on-time and apply to get a second credit card in your wallet!
    *Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.

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 24.24% (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
  • Free 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

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

Revvi Card

  • Revvi active cardholders get exclusive access to free Credit Monitoring powered by TransUnion!
  • Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
  • Fast and easy application; response provided in seconds
  • $300 credit limit (subject to available credit)
  • Build your credit score with on-time payments and keeping your balance below the credit limit
  • Opportunity to request credit limit increase after twelve months, fee applies
  • Checking account required
  • Reports monthly to all three major credit bureaus
  • Manageable monthly payments
  • Perfect credit not required
  • Easy-to-use mobile app for management on the go!
  • *See rates, fees, costs & limitations, and rewards for complete offer and Revvi Rewards details^^
  • See Rates & Fees

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Poor Credit, Fair Credit Consumer $75 1st year, $48 after* N/A N/A 35.99%* Cash Back Be the first to write one

OpenSky® Secured Visa® Credit Card

  • No credit check to apply and find out instantly if you are approved
  • OpenSky gives everyone an opportunity to improve their credit with an 85% average approval rate for the past 5 years
  • Get considered for a credit line increase after 6 months, with no additional deposit required
  • You could be eligible for the OpenSky Gold Unsecured Card after as few as 6 months
  • Reports to all 3 major credit bureaus monthly, unlike a prepaid or debit card
  • View your FICO® Score through your OpenSky account, an easy way to stay on top of your credit
  • Nearly half of OpenSky cardholders who make on-time payments improve their FICO score 30+ points in the first 3 months
  • Your refundable* deposit, as low as $200, becomes your OpenSky Visa credit limit
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • *View the cardholder agreement

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 22.14% (variable) None Be the first to write one

The Overstock Store Credit Card

  • Open & use it on your first purchase and Earn $30 in Rewards. Purchase must be made within 90 days of account opening without a promotional financing plan w/ minimum purchase of $300*.
  • 6, 12, 18, and 24-month financing options available on purchases of $249 for 6 months, $499 for 12 months, $1,499 for 18 months, and $1,999 for 24 months made with your Overstock Store Credit Card.*
  • Special promotions just for cardmembers
  • Store card ready to use instantly

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Limited Credit, Fair Credit, Poor Credit Consumer $0* N/A N/A 26.99% (Variable)* None Be the first to write one

The Home Depot® Credit Card

With low monthly payments and no annual fee, The Home Depot Consumer Credit Card is a great financial tool to get you started on your home improvement projects. Flexible payment plans and special deferred payment promotions make it even better.

  • 6 Months Financing* on purchases of $299 or more.
  • Up to 24 Months Financing* during special promotions.
  • 1 Year to Make Returns - 4X longer to make returns, just for being a cardmember. Refer to The Home Depot Returns Policy for details.
  • Zero liability on unauthorized charges.
  • Credit card limits based on creditworthiness.
  • Minimum payments required
  • Check to see if you pre-qualify without impacting your credit score.

Credit Target Type Annual Fee BT Intro APR Purchase Intro APR Regular APR Rewards Reviews
Fair Credit Consumer $0* N/A N/A 17.99%* - 26.99% (Variable)* None 15
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