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Credit Cards for Fair Credit
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- Security Deposit No security deposit
- Rewards Rate Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
- Credit Limit Up to $1000 Credit Limit
- Annual Fee See Terms
- Credit Needed Fair
- Card Brand Mastercard®
- Security Deposit No security deposit
- Rewards Rate Up to 3% Cash Back Rewards; 3% Cash Back Reward on Gas, Groceries and Utility Bill Payments. 1% Cash Back Reward on all other eligible purchases.
- Credit Limit Up to $1000 Credit Limit
- Annual Fee See Terms
- Credit Needed Fair
- Card Brand Mastercard®
Highlights
- 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.
See additional details for Fortiva® MasterCard® Credit Card
Our pick for doubling your cash back
- Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
- Regular Purchase & BT APR 18.49% - 28.49% (Variable)
- Annual Fee $0
- Credit Needed Fair / Good / Excellent
- Card Brand Mastercard®
- Rewards Rate Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Intro Balance Transfer APR 0% intro APR for 18 months on Balance Transfers
- Regular Purchase & BT APR 18.49% - 28.49% (Variable)
- Annual Fee $0
- Credit Needed Fair / Good / Excellent
- Card Brand Mastercard®
Highlights
- Earn $200 cash back after you spend $1,500 on purchases in the first 6 months of account opening. This bonus offer will be fulfilled as 20,000 ThankYou® Points, which can be redeemed for $200 cash back.
- Earn 2% on every purchase with unlimited 1% cash back when you buy, plus an additional 1% as you pay for those purchases. To earn cash back, pay at least the minimum due on time. Plus, a special travel offer, earn 5% total cash back on hotel, car rentals and attractions booked on the Citi Travel℠ portal through 12/31/25.
- Balance Transfer Only Offer: 0% intro APR on Balance Transfers for 18 months. After that, the variable APR will be 18.49% - 28.49%, based on your creditworthiness.
- Balance Transfers do not earn cash back. Intro APR does not apply to purchases.
- If you transfer a balance, interest will be charged on your purchases unless you pay your entire balance (including balance transfers) by the due date each month.
- There is an intro balance transfer fee of 3% of each transfer (minimum $5) completed within the first 4 months of account opening. After that, your fee will be 5% of each transfer (minimum $5).
See additional details for Citi Double Cash® Card
- Credit Line Increase Be automatically considered for a higher credit line in as little as 6 months
- Annual Fee $0
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $0
- Credit Needed Limited / Fair
- Card Brand Mastercard®
- Credit Line Increase Be automatically considered for a higher credit line in as little as 6 months
- Annual Fee $0
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $0
- Credit Needed Limited / Fair
- Card Brand Mastercard®
Highlights
- No annual or hidden fees. See if you're approved in seconds
- Be automatically considered for a higher credit line in as little as 6 months
- Help build your credit through responsible use of a card like this
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One Platinum Credit Card
- Intro Purchase APR 0% Intro APR for 6 months on purchases
- Rewards Rate Earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.
- Ongoing APR 17.49% - 26.49% Variable APR *Rates as of December 12, 2024
- Annual Fee $0
- Credit Needed Limited / Fair
- Card Brand Discover
- Intro Purchase APR 0% Intro APR for 6 months on purchases
- Rewards Rate Earn 5% cash back at different places each quarter up to the quarterly maximum when you activate. 1% unlimited cash back on all other purchases - automatically.
- Ongoing APR 17.49% - 26.49% Variable APR *Rates as of December 12, 2024
- Annual Fee $0
- Credit Needed Limited / Fair
- Card Brand Discover
Highlights
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 5% cash back on everyday purchases at different places you shop each quarter like grocery stores, restaurants, gas stations, and more, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.49% - 26.49% applies. Rates as of December 12, 2024.
- Terms and conditions apply.
See additional details for Discover it® Student Cash Back
- Get The Line You Deserve We automatically review your account for a Credit Line Increase after 6 months!
- No Surprises No monthly maintenance fees, No set up fees, No security deposit!
- Safe & Secure $0 fraud liability if your card is lost or stolen – our U.S. based Customer Care team is here for you.
- Annual Fee $75
- Credit Needed Fair
- Card Brand Mastercard®
- Get The Line You Deserve We automatically review your account for a Credit Line Increase after 6 months!
- No Surprises No monthly maintenance fees, No set up fees, No security deposit!
- Safe & Secure $0 fraud liability if your card is lost or stolen – our U.S. based Customer Care team is here for you.
- Annual Fee $75
- Credit Needed Fair
- Card Brand Mastercard®
Highlights
- Let's Grow Together!
- Credit line up to $1,500 – *most receive $350; some higher
- In as little as 6 months you may get a credit line increase by making on-time payments and keeping your account in good standing
- Don’t worry if you don’t have perfect credit, let’s work to rebuild together!
- Skip the mail and apply easily and securely online
- 24/7 on-the-go account access with our free mobile app
See additional details for Blaze Mastercard® Credit Card
- Award-winning US-Based Customer Service PREMIER's dedicated team of professionals are one phone call away and ready to help you
- Credit Limit Credit Limit Increase Eligible after 12 months of consistent responsible account management.
- Online Account Access A full-service website means PREMIER Bankcard® customers enjoy 24-hour access to easily manage personal account needs.
- Annual Fee See Provider Website
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
- Award-winning US-Based Customer Service PREMIER's dedicated team of professionals are one phone call away and ready to help you
- Credit Limit Credit Limit Increase Eligible after 12 months of consistent responsible account management.
- Online Account Access A full-service website means PREMIER Bankcard® customers enjoy 24-hour access to easily manage personal account needs.
- Annual Fee See Provider Website
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
Highlights
- 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.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- Credit Limit Increase Eligible after 12 months of consistent responsible account management.
- We report monthly to the Consumer Reporting Agencies to help you build your credit.
See additional details for PREMIER Bankcard® Mastercard® Credit Card
- Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- No Limits or Restrictions No rotating categories, cash back won't expire for the life of the account and no limit to how much you can earn
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $39
- Credit Needed Limited / Fair
- Card Brand Mastercard®
- Rewards Rate 1.5% Cash Back on every purchase, every day; 5% Cash Back on hotels and rental cars booked through Capital One Travel (terms apply)
- No Limits or Restrictions No rotating categories, cash back won't expire for the life of the account and no limit to how much you can earn
- Regular Purchase APR 29.99% (Variable)
- Annual Fee $39
- Credit Needed Limited / Fair
- Card Brand Mastercard®
Highlights
- Earn unlimited 1.5% cash back on every purchase, every day
- No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
- Be automatically considered for a higher credit line in as little as 6 months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
- Help strengthen your credit for the future with responsible card use
- Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
- Monitor your credit score with CreditWise from Capital One. It's free for everyone
- Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
- For Capital One products listed on this page, some of the benefits may be provided by Visa® or Mastercard® and may vary by product. See the respective Guide to Benefits for details, as terms and exclusions apply
See additional details for Capital One QuicksilverOne Cash Rewards Credit Card
- Rewards Rate 1% Cash Back
- Monthly Fee None 1st year, $8.25 after
- Activation Fee $95*
- Annual Fee $75.00 1st year, $48.00 after*
- Credit Needed Poor / Fair
- Card Brand Visa®
- Rewards Rate 1% Cash Back
- Monthly Fee None 1st year, $8.25 after
- Activation Fee $95*
- Annual Fee $75.00 1st year, $48.00 after*
- Credit Needed Poor / Fair
- Card Brand Visa®
Highlights
- Earn 1% cash back rewards^^ on payments made to your Revvi Credit Card
- Perfect credit not required
- $300 credit limit (subject to available credit)
- Checking account required
- Opportunity to request credit limit increase after twelve months, fee applies
- *See Rates, Fees, Costs & Limitations for complete offer details
- ^^See Revvi Rewards Programs Terms & Conditions for details
See additional details for Revvi Card
- Intro Purchase APR 0% Intro APR for 6 months
- Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
- Ongoing APR 17.49% - 26.49% Variable APR *Rates as of December 12, 2024
- Annual Fee $0
- Credit Needed Limited / Fair
- Card Brand Discover
- Intro Purchase APR 0% Intro APR for 6 months
- Rewards Rate 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. 1% unlimited cash back on all other purchases - automatically
- Ongoing APR 17.49% - 26.49% Variable APR *Rates as of December 12, 2024
- Annual Fee $0
- Credit Needed Limited / Fair
- Card Brand Discover
Highlights
- INTRO OFFER: Unlimited Cashback Match for all new cardmembers – only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! So you could turn $50 cash back into $100. Or turn $100 cash back into $200. There’s no minimum spending or maximum rewards. Just a dollar-for-dollar match.
- Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus earn unlimited 1% cash back on all other purchases.
- Redeem your rewards for cash at any time.
- No credit score required to apply.
- Discover could help you reduce exposure of your personal information online by helping you remove it from select people-search sites that could sell your data. It’s free, activate with the mobile app.
- No annual fee and build your credit with responsible use.
- 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 17.49% - 26.49% applies. Rates as of December 12, 2024.
- Terms and conditions apply.
See additional details for Discover it® Student Chrome
- Rewards Rate Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
- Purchase APR 29.24%* Variable
- Grow Your Credit Line Automatic reviews for credit line increase opportunities
- Annual Fee $39
- Credit Needed Fair / Good
- Card Brand Visa®
- Rewards Rate Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
- Purchase APR 29.24%* Variable
- Grow Your Credit Line Automatic reviews for credit line increase opportunities
- Annual Fee $39
- Credit Needed Fair / Good
- Card Brand Visa®
Highlights
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Automatic reviews for credit line increase opportunities
- Free Online Credit Score and Credit Report summary, terms apply
- Choose your monthly payment due date for added convenience, terms apply
- Never miss an account update with customizable text and email alerts
- Manage your account on-the-go with the Credit One Bank mobile app
- Show off your personality by selecting from a variety of card designs, a fee may apply
See additional details for Credit One Bank® Platinum Visa®
- Mastercard Benefits Accepted Worldwide and $0 Fraud Liability
- Mobile Access Access your account online or from your mobile device 24/7
- Build Credit Account history is reported to the three major credit bureaus in the U.S.
- Annual Fee See terms
- Credit Needed Fair / Good
- Card Brand Mastercard®
- Mastercard Benefits Accepted Worldwide and $0 Fraud Liability
- Mobile Access Access your account online or from your mobile device 24/7
- Build Credit Account history is reported to the three major credit bureaus in the U.S.
- Annual Fee See terms
- Credit Needed Fair / Good
- Card Brand Mastercard®
Highlights
- Greater access to credit than before - $700 credit limit
- Get a Mastercard accepted online, in store and in app
- Account history is reported to the three major credit bureaus in the U.S.
- $0 liability for unauthorized use
- Access your account online or from your mobile device 24/7
See additional details for Milestone Mastercard®
- Build Credit Start building credit by keeping your balance low and paying all your bills on time each month.
- Pre-Qualify Pre-qualify with no impact to your credit score
- Online Account Access A full-service website means PREMIER Bankcard® customers enjoy 24-hour access to easily manage personal account needs.
- Annual Fee See Provider Website
- Credit Needed Poor
- Card Brand Mastercard®
- Build Credit Start building credit by keeping your balance low and paying all your bills on time each month.
- Pre-Qualify Pre-qualify with no impact to your credit score
- Online Account Access A full-service website means PREMIER Bankcard® customers enjoy 24-hour access to easily manage personal account needs.
- Annual Fee See Provider Website
- Credit Needed Poor
- Card Brand Mastercard®
Highlights
- Pre-qualify with no impact to your credit score
- Helping people build credit is our first priority – start your credit-building journey today.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- We report monthly to the Consumer Reporting Agencies to help you build your credit.
- Award-winning, U.S.-based customer service
See additional details for PREMIER Bankcard® Grey Credit Card
- Build Credit Monthly reporting to the three major credit bureaus
- Worldwide Use Use your card wherever Mastercard is accepted
- Easy Application Process Fast and easy application process; results in seconds. All credit types welcome to apply
- Annual Fee $75 - $125
- Credit Needed Poor / Fair
- Card Brand Mastercard®
- Build Credit Monthly reporting to the three major credit bureaus
- Worldwide Use Use your card wherever Mastercard is accepted
- Easy Application Process Fast and easy application process; results in seconds. All credit types welcome to apply
- Annual Fee $75 - $125
- Credit Needed Poor / Fair
- Card Brand Mastercard®
Highlights
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Surge Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
See additional details for Surge® Platinum Mastercard®
- Fees & Deposit $175 - $199 annual fee, no security deposit required
- Custom Card Design Pick from multiple card designs at no extra charge*
- Reports to Credit Bureaus Account history is reported to the three major credit bureaus in the U.S.
- Annual Fee $175 - $199
- Credit Needed Poor / Fair
- Card Brand Mastercard®
- Fees & Deposit $175 - $199 annual fee, no security deposit required
- Custom Card Design Pick from multiple card designs at no extra charge*
- Reports to Credit Bureaus Account history is reported to the three major credit bureaus in the U.S.
- Annual Fee $175 - $199
- Credit Needed Poor / Fair
- Card Brand Mastercard®
Highlights
- Now with higher credit limits
- Increase your access to available credit
- Higher limit than before, still no security deposit required!
- Greater access to credit than before
- Less than perfect credit is okay
- Mobile account access at any time
- Account history is reported to the three major credit bureaus in the U.S.
See additional details for Indigo® Mastercard® for Less than Perfect Credit
- Easy Application Fast and easy application process; results in seconds.
- Build Credit Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements). Monthly reporting to the three major credit bureaus.
- Pre-Qualification See if you’re Pre-Qualified with no impact to your credit score.
- Annual Fee $75 - $125
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
- Easy Application Fast and easy application process; results in seconds.
- Build Credit Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements). Monthly reporting to the three major credit bureaus.
- Pre-Qualification See if you’re Pre-Qualified with no impact to your credit score.
- Annual Fee $75 - $125
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
Highlights
- Up to $1,000 Initial Credit Limit
- See if you Pre-Qualify with No Impact to your Credit Score
- Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
See additional details for Reflex® Platinum Mastercard®
- No Security Deposit All the benefits of a Mastercard, without a security deposit
- Easy Access 24/7 access to your account, even on mobile!
- Build Credit Reports to all three major credit bureaus
- Annual Fee See terms
- Credit Needed Limited / Poor / Fair / Good
- Card Brand Mastercard®
- No Security Deposit All the benefits of a Mastercard, without a security deposit
- Easy Access 24/7 access to your account, even on mobile!
- Build Credit Reports to all three major credit bureaus
- Annual Fee See terms
- Credit Needed Limited / Poor / Fair / Good
- Card Brand Mastercard®
Highlights
- All the benefits of a Mastercard, without a security deposit
- 24/7 access to your account, even on mobile!
- Reports to all three major credit bureaus
- Less than perfect credit is okay, even with a prior bankruptcy!
See additional details for Destiny Mastercard®
- Credit Line Initial Credit Limit of $400.00* (Subject to available credit)
- Easy Application Fast and easy application process; results in seconds. All credit types welcome to apply.
- Build Credit Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements). Monthly reporting to the three major credit bureaus.
- Annual Fee See terms
- Credit Needed Poor / Fair
- Card Brand Mastercard®
- Credit Line Initial Credit Limit of $400.00* (Subject to available credit)
- Easy Application Fast and easy application process; results in seconds. All credit types welcome to apply.
- Build Credit Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements). Monthly reporting to the three major credit bureaus.
- Annual Fee See terms
- Credit Needed Poor / Fair
- Card Brand Mastercard®
Highlights
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card requires No Security Deposit
- Perfect card for everyday purchases and unexpected expenses
- Monthly reporting to the three major credit bureaus
- Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
- Use your card everywhere Mastercard is accepted at millions of locations
- Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)
See additional details for FIT™ Platinum Mastercard®
- Rewards Rate Up to 3% Cashback Reward
- Regular APR 29.99% or 36% Fixed
- Credit Line Up to $1,000 credit limit subject to credit approval
- Annual Fee See Terms
- Credit Needed Fair
- Card Brand Mastercard®
- Rewards Rate Up to 3% Cashback Reward
- Regular APR 29.99% or 36% Fixed
- Credit Line Up to $1,000 credit limit subject to credit approval
- Annual Fee See Terms
- Credit Needed Fair
- Card Brand Mastercard®
Highlights
- 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.
See additional details for Aspire® Cash Back Reward Card
- Apply Online Fast and easy application process
- No Hidden Fees No deposit required and no penalty APR
- Regular APR 35.99%
- Annual Fee $59
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
- Apply Online Fast and easy application process
- No Hidden Fees No deposit required and no penalty APR
- Regular APR 35.99%
- Annual Fee $59
- Credit Needed Limited / Poor / Fair
- Card Brand Mastercard®
Highlights
- Fast and easy application process
- No deposit required
- No hidden fees
- No penalty APR
- Report to all three major credit bureaus
- Zero fraud liability for unauthorized charges
- Avant branded credit products are issued by WebBank, member FDIC
- Disclosure: If you are charged interest, the charge will be no less than $1.00
- Late Fee up to $39
- Returned Payment Fee: Up to $25
- Checking your eligibility does not affect your credit score
See additional details for AvantCard Credit Card
- Sign Up Bonus $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Rewards Rate Up to 10% cash back from your favorite brands with Upgrade Shopping. 1.5% unlimited cash back on card purchases every time you make a payment
- Annual Fee $0
- Annual Fee $0
- Credit Needed Fair
- Card Brand Visa®
- Sign Up Bonus $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- Rewards Rate Up to 10% cash back from your favorite brands with Upgrade Shopping. 1.5% unlimited cash back on card purchases every time you make a payment
- Annual Fee $0
- Annual Fee $0
- Credit Needed Fair
- Card Brand Visa®
Highlights
- $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
- 1.5% unlimited cash back on every purchase
- No annual fee
- See if you qualify in seconds with no impact to your credit score
- Combine the flexibility of a card with the predictability of a personal loan
- Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
- Up to 10% cash back from your favorite brands with Upgrade Shopping
- Contactless payments with Apple Pay® and Google Wallet™ Mobile app to access your account anytime, anywhere
- Use your card anywhere Visa is accepted
- Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
- *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.
See additional details for Upgrade Cash Rewards Visa®
*General Disclaimer: See the online credit card application for details about terms and conditions. We make every effort to maintain accurate information. However, all credit card information is presented without warranty. To confirm terms and conditions, click the "Apply Now" button and review info on the secure credit card terms page.
Credit Card Offers for Fair Credit
If you have fair credit, or have had some credit history dings or other problems but are not yet in the bad credit category, then you should be able to apply for and get a credit card for fair credit. Those with bad credit generally have no choice but to apply for a secured or prepaid card, but in your case having average or fair credit qualifies you to be responsible for adhering to a credit limit and carrying a balance over from one month to the next if you decide to do that. That also means that you’ll have a great chance to improve your credit score and credit history – which will entitle you to even better rates, credit cards, and cardholder privileges.
It’s a good idea to shop for a good credit card with the most manageable fees and interest rates, because that will make it much easier for you to manage your budget and card payments. Cards with no annual fee, for example, are cheaper – and so are ones that have a lower APR. Use the info in the reviews in this section – and crunch the numbers using this site’s credit card calculators and other tools – to help you make a wise pick of the best credit cards for fair credit. FICO ranges for fair or average credit typically range from 620 to 680.
Try to use not more than 25-30% of your allowed limit each month, because that will look better on your credit report. Soon you may be offered a higher credit limit and as your credit score rises from fair to good it will be possible to shop for even more attractive and competitive interest rate card.
Disclaimer: FICO scores are used to represent the creditworthiness of a person and may be one indicator of the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card product.
