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

Aspire® Cash Back Reward Card

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

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Fair
  • Rewards : Up to a 3% Cash Back Reward
  • Annual Fee : As low as $85
  • Regular APR : 29.99% or 36% Fixed
  • Updated for : Tue 28 May 2024
  • Full Details : View Card Page

Fair Credit

Fortiva® Mastercard® Credit Card

Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Fair
  • Rewards : Up to 3% Cash Back Rewards
  • Annual Fee : As low as $85
  • Regular APR : 29.99% OR 36% (V)
  • Updated for : Tue 28 May 2024
  • Full Details : View Card Page

Fair Credit

Destiny® Mastercard® with Instant Credit

Instant: Once approved, add your card to your mobile wallet and shop today.

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Poor to Good
  • Rewards : See Website for Details
  • Annual Fee : See Terms
  • Regular APR : See Terms
  • Updated for : Tue 28 May 2024
  • Full Details : View Card Page

Fair Credit

Indigo® Mastercard® for Less than Perfect Credit

Higher limit than before, still no security deposit required!

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Bad/Poor/Fair
  • Rewards : N/A
  • Annual Fee : See Terms
  • Regular APR : 35.9%
  • Updated for : Tue 28 May 2024
  • Full Details : View Card Page

Fair Credit

Capital One SavorOne Student Cash Rewards Credit Card

Enjoy no annual fee, foreign transaction fees, or hidden fees

  • Rating :
  • Credit Brand : Capital One
  • Credit Needed : Average, Fair, Limited
  • Rewards : 3% Cash Back on dining, entertainment, popular streaming services and at grocery stores (excluding superstores like Walmart® and Target®)
  • Annual Fee : $0.00
  • Regular APR : 19.99% - 29.99% (Variable)
  • Updated for : Tue 28 May 2024
  • Full Details : View Card Page

Fair Credit

Capital One Quicksilver Student Cash Rewards Credit Card

Enjoy no annual fee, foreign transaction fees, or hidden fees

  • Rating :
  • Credit Brand : Capital One
  • Credit Needed : Average, Fair, Limited
  • Rewards : 1.5% Cash Back on every purchase, every day
  • Annual Fee : $0.00
  • Regular APR : 19.99% - 29.99% (Variable)
  • Updated for : Tue 28 May 2024
  • Full Details : View Card Page

Fair Credit

PREMIER Bankcard® Mastercard® Credit Card

Just complete the short application and receive a response in 60 seconds.

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Fair/Poor
  • Rewards : n/a
  • Annual Fee : See Provider Website
  • Regular APR : See Provider Website
  • Updated for : Tue 28 May 2024
  • Full Details : View Card Page

Fair Credit

Avant Credit Card

Fast and easy application process

  • Rating :
  • Credit Brand : Mastercard®
  • Credit Needed : Fair to Good
  • Rewards : n/a
  • Annual Fee : $59
  • Regular APR : 35.99% Variable
  • Updated for : Tue 28 May 2024
  • Full Details : View Card Page

Trusted Partner

Experian Boost™

Improve Your Credit Scores Instantly for Free

  • Get credit for bills like your phone, utilities and popular streaming services—free, with Experian Boost™
  • Access your free Experian® Credit Report & FICO® Score
  • Includes Experian® credit monitoring and alerts
Get Started Here

Additional Resources

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Credit Spotlight: Kikoff

Building credit doesn’t have to be difficult. It doesn’t have to be something that consumes your life and adds to your financial stress. With Kikoff, it’s easier than ever to take the steps needed to boost your credit score in a reasonable period of time. Start Here Kikoff addresses three key factors that determine 80 percent of your credit score: 1. Payment history  We report your monthly payments to the three major credit bureaus (Equifax, Experian, and TransUnion). Every payment
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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.


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.

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