Credit Cards for Fair Credit

A credit card for "fair credit" is a type of card that features quick and easy applications for consumers with a less-than-perfect credit rating. If you have made late payments on a line of credit in the past, or if you have other types of delinquent accounts on your credit history, one of the following credit cards may be right for you. See below for today's top credit card offers for people with fair credit, along with links to each card's secure online application.

Topcard
Capital One® Cash Rewards - Average Credit
Cashrewards_capitalone_cardart_2
Apply Here
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  • 50% bonus on the cash back you earn every year
  • 1% cash back on all purchases
  • Earn unlimited cash back that doesn't expire
  • Redeem cash back anytime for any amount, even set automatic redemptions
  • Personalize your card with an image of your choice
  • 0% intro APR on purchases until March 2014
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-until March 2014* N/A* 19.80% (Variable)* $39* Fair Credit *
Intro - Purchases 0%-until March 2014*
Intro - Balance Transfer N/A*
Regular APR 19.80% (Variable)*
Annual Fee $39*
Credit Needed Fair Credit *
Additional
First PREMIER® Bank Credit Cards
Fpcardart
Apply Here
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  • Offers for all credit types. See which one you Pre-Qualify for.
  • If you've had trouble in the past, this may be your chance to prove you can responsibly manage a credit account.
  • Rebuild your credit history by making on-time monthly minimum payments and keeping your balances under their limits with all your creditors.
  • Monthly reporting to the major Consumer Reporting Agencies
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* See Website* See Website* Fair Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR See Website*
Annual Fee See Website*
Credit Needed Fair Credit *
Capital One® Platinum Credit Card
Platinum_capitalone_cardart
Apply Here
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  • $0 intro annual fee for the first year; $19 after that
  • Image Card - personalize your card with an image of your choice
  • $0 Fraud Liability if your card is lost or stolen
  • Monitor your spending with text message alerts
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 24.90% (Variable)* $0 intro for first year; $19 after that* Average Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 24.90% (Variable)*
Annual Fee $0 intro for first year; $19 after that*
Credit Needed Average Credit *
First PREMIER® Bank Credit Card
Firstpremier_grey_cardart
Apply Here
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  • Have a checking account? Apply today!
  • If you have less-than-perfect credit, we may approve you when others won't.
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Monthly reporting to the major Consumer Reporting Agencies.
  • Acceptance at millions of locations worldwide, including online purchases (subject to available credit).
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* See Website* See Website* Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR See Website*
Annual Fee See Website*
Credit Needed Bad Credit *
Capital One® Classic Platinum Credit Card
Classicplatinum_capitalone_cardart
Apply Here
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  • 0% intro APR on purchases until March 2014
  • $0 Fraud Liability if your card is lost or stolen
  • Enjoy MasterCard benefits, including 24-hour roadside assistance and extended warranty protection
  • Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
0%-until March 2014* N/A* 19.80% (Variable)* $39* Average Credit *
Intro - Purchases 0%-until March 2014*
Intro - Balance Transfer N/A*
Regular APR 19.80% (Variable)*
Annual Fee $39*
Credit Needed Average Credit *
Discover it® for Students with $20 Cashback Bonus
Discover-it
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  • The new Discover it card is out to change the way people think about credit cards.
  • Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.*
  • Generous...5% cash back in categories that change throughout the year like gas, restaurant, movies, and more up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.*
  • Plus a Cashback Concierge℠ who guides a free, personalized online tour to help you get the most out of your rewards for how you use your card.
  • Flexible...Choose your own due date and pay up to midnight ET online or by phone.
  • Human...talk to a real person any time with 100% U.S.-based service.
  • Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee.
  • Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.* Standard variable purchase APR*- 12.99% - 18.99%. *Click apply for Terms & Conditions.
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* See Terms* 12.99%-18.99% (Variable)* $0* Fair Credit *
Intro - Purchases N/A*
Intro - Balance Transfer See Terms*
Regular APR 12.99%-18.99% (Variable)*
Annual Fee $0*
Credit Needed Fair Credit *
VISA® Platinum from Credit One Bank®
Creditonebank_cardart
Apply Here
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  • Get pre-qualified for a Visa Platinum card
  • Perfect card for people who need more buying power and convenience
  • Pick your payment due date to fit your schedule
  • Email or text alerts to remind you when your payment is due
  • Free online monthly credit score tracking included
  • Automatic reviews for credit line increase opportunities
  • Choose your card design from our premium gallery
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 23.90% (Variable)* $75 first year, then $99* Fair Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 23.90% (Variable)*
Annual Fee $75 first year, then $99*
Credit Needed Fair Credit *
First PREMIER® Bank Gold Credit Card
Fp_gold_mc_110
Apply Here
[ Learn more ]
  • Checking Account Required
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit)
  • This is a credit card - not a debit or prepaid card
  • Reports your credit history to the major Consumer Reporting Agencies
  • A Gold credit card offer for those with less than perfect credit.
  • Apply for a credit card today - Get a response today!
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* See Website* See Website* Bad Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR See Website*
Annual Fee See Website*
Credit Needed Bad Credit *
Capital One® Cash Rewards for Newcomers
Caponenewcomers
Apply Here
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  • A card designed to help those new to the U.S. establish credit and earn cash back
  • Build credit with responsible use -- plus automatic reporting to the three major credit bureaus
  • Get 2% cash back on travel purchases
  • Earn 1% cash back on all other purchases
  • No foreign transaction fees
  • No annual fee
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* 24.90% (Variable)* $0* Average Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR 24.90% (Variable)*
Annual Fee $0*
Credit Needed Average Credit *
PREMIER Possibilities® Credit Card issued by First PREMIER® Bank
Fp_possibilities_mc_110
Apply Here
[ Learn more ]
  • Checking Account Required
  • Apply today and if approved, simply pay a Processing Fee and you could begin enjoying a $300 credit limit (subject to available credit)
  • You may be able to rebuild your credit history if you do the following: make on-time monthly payments and keep your balances under the limits with all your creditors.
  • Once your account is open, you may have the chance to personalize your credit card
  • Get a credit card response in seconds!
Intro - Purchases Intro - Balance Transfer Regular APR Annual Fee Credit Needed
N/A* N/A* See Website* See Website* Bad / Fair Credit *
Intro - Purchases N/A*
Intro - Balance Transfer N/A*
Regular APR See Website*
Annual Fee See Website*
Credit Needed Bad / Fair Credit *

Related Offers

Springleaf Financial Loans
Springleaf
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  • Loans from $1,000 - $25,000 or more
  • Lower Interest rates
  • Loans for ANY Reason
  • Loans to meet your needs & fit your budget
  • 1,100 branch locations for your convenience
* See the online credit card application for details about terms and conditions.  Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply Here" button, you can review the credit card terms & conditions on the credit card issuer's website.
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Credit Card 321™ The Easy Guide to Credit Card Offers