Fair Credit Credit Cards - ApplyNowCredit.com

Credit Cards for Fair Credit

With fair credit, it’s easy to believe that you’ll never qualify for a credit card. Fortunately, this isn’t true. There are hundreds of credit cards designed for consumers with fair credit, all of which provide a variety of benefits to help improve your finances. From the Surge Mastercard credit card to the First Access Visa credit card, we help you find the offer that best suits you. From the interest rate to fees, from credit requirements to brand information, we’ll help you find the right credit card at the right time.

Fair Credit

Merrick Bank Double Your Line™ Platinum Visa® Credit Card

See if you are pre-approved within minutes, without affecting your credit score

Rating

Credit Brand Visa®
Credit Needed

See website for Details*

Annual Fee

$0-$72

Regular APR

19.45% to 28.45% *Variable

Rewards

n/a

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

First PREMIER® Bank Mastercard® Credit Card

Fill out an application and know in 60 seconds if you’re approved!

Rating

Credit Brand Mastercard®
Credit Needed

Fair/Poor

Annual Fee

See Issuer Website

Regular APR

See Issuer Website

Rewards

n/a

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

Fortiva® Mastercard® Credit Card

Up to a 3% Cash Back Reward

Rating

Credit Brand Mastercard®
Credit Needed

Fair

Annual Fee

As low as $85

Regular APR

29.99% Variable

Rewards

Up to a 3% Cash Back Reward

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

Mission Lane Visa® Credit Card

Instant decision on your application

Rating

Credit Brand Visa®
Credit Needed

Fair

Annual Fee

$0-59

Regular APR

26.99% - 29.99% (Variable)

Rewards

n/a

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

Aspire® Cash Back Reward Card

Up to $1,000 credit limit subject to credit approval

Rating

Credit Brand Mastercard®
Credit Needed

Fair

Annual Fee

As low as $85

Regular APR

29.99% Variable

Rewards

Up to a 3% Cash Back Reward

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

Petal® 1 “No Annual Fee” Visa® Credit Card

$300 - $5,000 credit limits

Rating

Credit Brand Visa®
Credit Needed

Fair/Bad/Limited/No Credit

Annual Fee

$0

Regular APR

19.99 - 29.49% Variable

Rewards

2% - 10% cash back at select merchants

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

Indigo® Platinum Mastercard® Credit Card

Unsecured credit card, no security deposit required

Rating

Credit Brand Mastercard®
Credit Needed

Fair/Good

Annual Fee

$0 - $99

Regular APR

24.9%

Rewards

N/A

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

Surge Mastercard® Credit Card

Initial Credit Limit of $300 - $1,000* (subject to available credit)

Rating

Credit Brand Mastercard®
Credit Needed

Bad/Fair

Annual Fee

see terms

Regular APR

24.99% - 29.99% APR

Rewards

N/A

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

PREMIER Bankcard® Credit Card

You don’t need good credit to apply – here's your chance to improve your score

Rating

Credit Brand Mastercard®
Credit Needed

Fair/Poor

Annual Fee

See Issuer Website

Regular APR

See Issuer Website

Rewards

n/a

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

Destiny Mastercard®

Get access to the credit you need, no deposit required

Rating

Credit Brand Mastercard®
Credit Needed

Poor to Good

Annual Fee

$59-$99

Regular APR

24.9%

Rewards

n/a

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

FIT Mastercard®

Fast & Easy Application; Results Online in Seconds

Rating

Credit Brand Mastercard®
Credit Needed

Bad/Fair

Annual Fee

see terms

Regular APR

29.99%

Rewards

N/A

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

Reflex Mastercard®

Initial Credit Limit of $300 - $1,000* (subject to available credit)

Rating

Credit Brand Mastercard®
Credit Needed

Bad/Fair

Annual Fee

see terms

Regular APR

24.99% - 29.99% APR

Rewards

N/A

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

Total Visa® Card

Fast and easy application process; response provided in seconds

Rating

Credit Brand Visa®
Credit Needed

Fair/Bad

Annual Fee

See Terms

Regular APR

See Terms

Rewards

n/a

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

First Access Visa® Card

Perfect credit not required for approval; we may approve you when others won’t

Rating

Credit Brand Visa®
Credit Needed

Fair/Bad

Annual Fee

see terms

Regular APR

see terms

Rewards

n/a

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

Milestone Gold Mastercard®

Instant pre-qualification is available for those who qualify

Rating

Credit Brand Mastercard®
Credit Needed

Fair/Good

Annual Fee

$35 - $99

Regular APR

24.9%

Rewards

n/a

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

Milestone® Mastercard® – Mobile Access to Your Account

Pick from multiple card designs at no extra charge

Rating

Credit Brand Mastercard®
Credit Needed

Fair/Good

Annual Fee

$35 - $99

Regular APR

24.9%

Rewards

N/A

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

Milestone® Mastercard® with Choice of Card Image at No Extra Charge

Less than perfect credit is okay

Rating

Credit Brand Mastercard®
Credit Needed

Fair/Good

Annual Fee

$35 - $99*

Regular APR

24.9%

Rewards

n/a

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

Milestone® Mastercard® – Unsecured For Less Than Perfect Credit

Easy pre-qualification process which does not affect your credit score

Rating

Credit Brand Mastercard®
Credit Needed

Poor/Bad

Annual Fee

$35 - $99*

Regular APR

24.9%

Rewards

n/a

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

Net First Platinum

Instant Approval / $750 Credit Line!

Rating

Credit Brand Other
Credit Needed

Damaged credit to Fair credit

Annual Fee

See website for Details*

Regular APR

0.00%

Rewards

N/A

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Fair Credit

Credit One Bank® Platinum Visa®

With $0 Fraud Liability, you won’t be responsible for unauthorized charges

Rating

Credit Brand Visa®
Credit Needed

Bad/Fair/Good

Annual Fee

$39

Regular APR

23.99% Variable

Rewards

See Details

Full Details

Card Page

Updated for

Thu 25 Nov 2021

Additional Resources

Credit Spotlight: Applied Bank® Unsecured Classic Visa® Card

It’s not easy to obtain a credit card if you have bad credit or no credit. This is even more so the case if you’re interested in an unsecured (no security deposit required) credit card. Fortunately, you have plenty of options, with the Applied Bank® Unsecured Classic Visa® Card at the top of the list. Not only is this an unsecured credit card, but it’s backed by Applied Bank and powered by Visa. Features and Benefits of the Applied Bank®
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4 Ways to Get a Higher Limit on Your Credit Card

4 Ways to Get a Higher Limit on Your Credit Card There may come a time when you realize that your current credit card limit is not high enough. Here are some tips to get a higher limit. Getting a higher credit limit sounds like a great idea, but it’s important to understand the risks. If you pay your bill in full every month, increasing your credit limit can provide you with additional spending flexibility. Furthermore, with a higher limit
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Comparing Credit Cards? 5 Questions to Answer

With hundreds upon hundreds of credit card offers to choose from, you should be able to find one that suits your financial situation and goals. Conversely, with so many to consider, it can take a good amount of time to learn what each one has to offer. The best way to successfully compare credit cards is to answer these five questions for each offer you’re considering: 1. What makes it stand out from the crowd? Even when two credit card
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Your FICO Score and Getting the Best Credit Card

Are you in the process of comparing credit cards? Are you obsessed with the idea of securing the best offer? Do you understand what credit card issuers look at when reviewing your application? Your FICO score plays a big role when applying for a credit card. For example, if you have an excellent score, you’ll qualify for almost every offer you come across. Conversely, if you have a poor credit score, your options are a bit limited, thus forcing you
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Choose the Right Credit Card for Your Credit Score

There is a lot to consider when applying for a credit card. In addition to hundreds upon hundreds of offers, your credit score, history, and personal finances will have a big impact on what happens next. Here’s an often overlooked tip: you need to choose a credit card based largely on your credit score. When you know your credit score, there’s less guesswork when selecting an offer and completing an application. Instead, you’ll know exactly where you stand, which makes
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5 Ways to Boost Your Fair Credit Score

Is your fair credit score holding you back from reaching your financial goals? Are you hoping to boost your score in the near future, moving it into good, very good, or excellent territory?
A fair credit score is defined as one between 580 and 669. While your score could be worse, you realize there is plenty of room for improvement. What you may not know is the steps you can take to make progress.

Here are five ways to boost your fair credit score:

1. Review Your Credit Report

You have fair credit for a reason, and you need to find out why.
Have you missed payments in the past? Are you carrying too much debt? Are there errors on your credit report? Are you just now establishing credit for the first time?
Upon review of your credit report you’ll have a better understanding of why your score is low and what you can do to improve it in the future.

2. Pay Off Balances

It’s easy to spend money, but extremely difficult to pay down debt. If your balances are too high, it could be holding down your credit score.
Set the goal of paying off balances, such as those associated with credit cards and personal loans, as quickly as possible. Even if it takes you several years to do so, the more progress you make the greater chance you have of boosting your credit score.

As your score increases and your debt decreases, you’ll feel better about your financial situation as a whole.

3. Pay Your Bills On Time

How often do you pay a bill after the due date? How many red marks are on your credit report as a result of late payments?
This is a bad habit that can drag down your credit score, so you don’t want to wander this path.
Once you begin to pay your bills on time, without fail, you’ll feel better about your ability to boost your fair credit score. Also, timely payments ensure that you’re never charged a late fee.

4. Diversify Your Credit

This doesn’t mean you should apply for new loans just to do so. However, when possible, consider the ways you can diversify your credit.
For example, if credit cards are the only type of credit on your report, you’re not doing yourself any favors. Try to diversify by securing a personal loan, car loan, or mortgage.
You shouldn’t diversify your credit just because it can boost your score, but it’s a nice side effect of doing so.

5. Exercise Patience

If it was easy to improve your credit score overnight you wouldn’t have any worries. Unfortunately, it can take several months or years to reach your goal. The more patience you have the greater your chance of success.

Conclusion

As frustrated as you may be with your fair credit score, a few changes to your financial approach can have a positive impact. When combined with the passage of time, you’ll eventually realize your goal of leaving your fair credit score in the past.

Having an average or fair credit score doesn’t necessarily mean you can’t get your hands on some amazing credit cards. Apply Credit Now has specially selected fair credit credit cards for this listing that help people with average credit to find the best credit cards for their needs and lifestyles. Whether you’re in the process of building or rebuilding your credit, this listing has credit cards right for your precise needs.

With these cards, perfect credit isn’t crucial, and acceptance is highly probable, even if other financial institutions have rejected your past applications. When using a fair credit credit card, you get the benefit of your account’s payment history gets reported to the three main credit bureaus — Equifax, TransUnion and Experian. This means that the longer you make repayments on time, the more you improve your credit score, helping you get better credit cards and rates in the future.

Credit Card Guides

ApplyNowCredit is always looking for the best and most efficient way to making the credit card comparison process a hassle free experience. Below you will find our most popular credit card guides.


Types of Credit Cards

Types of Credit Cards


Choosing a Credit Card

Choosing a Credit Card


Fico Scores

FICO Scores


Credit Cards for Business

Business Credit


Credit Card Offers

Credit Card Offers


The Best Credit Cards

The Best Credit Cards


Financial services disclosures

Credit Terms, Rates and Fees : Credit cards have APR rates and fees that you need to review before you sign on with a bank or lender. APR rates can range from 0% to 35.99%. Annual fees can range from $0.00 to $199.00. These financing costs will influence your decision if you anticipate using the card for single purchases or if you intend to carry a monthly balance. If you don’t make your timely required payments by the due date, financing costs increase and you’ll have to pay the credit issuer those fees plus your current balance. Please review the credit card applications for specifics into the terms, rates, fees and conditions. All credit card offers are displayed without guarantee. To affirm terms and conditions, tap the “Apply Now” to learn more about the credit offer on a secure page provided by the card issuer(s).

Terms & Offers

Advertisements which display guaranteed lines of credit for $500.00-$750.00 are exclusively for usage through online shopping retail stores, online auctions and/or online marketplace store websites. Please review full terms and conditions prior to applying for any line of credit. Credit limit offers displayed on advertisements are contingent on getting approved by the credit institution issuing the credit card or issuing the line of credit.

Office Location

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Contact Information

Email: support@applynowcredit.com
Phone: Customer Service

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