Credit Cards for Fair Credit
Fair credit (typically 580–669) doesn't have to limit your options. Several solid credit cards are designed for this range — with reasonable fees, credit-building features, and a path to better terms as your score improves. Compare the best cards for fair credit here.
Top Picks
Annual Fee
$0
Credit Needed
Average, Fair, Limited
Rewards Rate
1.5% Cash Back on every purchase, every day
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
18.49% - 28.49% (Variable)
Intro Offer
Earn $50 Cash Back when you spend $100 in the first three months
- Earn unlimited 1.5% cash back on every purchase, every day
- Early Spend Bonus: Earn $50 when you spend $100 in the first three months
- Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
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- Enjoy no annual fee, foreign transaction fees, or hidden fees
- Lock your card in the Capital One Mobile app if it's misplaced, lost or stolen
- Earn up to $500 a year by referring friends and family when they're approved for a Capital One credit card
- Build your credit with responsible card use
- Whether you're at a 4-year university, community college or other higher education institution, this card might be an option for you
- Top rated mobile app
First PREMIER® Bank
Annual Fee
N/A
Credit Needed
Fair/Poor
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
N/A
- 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.
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- 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.
MRV Banks
Annual Fee
See Terms*
Credit Needed
Poor/Fair
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.99%*
- 2X Rewards Power – Up To 10% Cash Back when you buy and 1% Cash Back when you pay!^^
- An initial credit limit Up To $500 (See terms*)
- Opportunity to request credit limit increase after twelve months, fee applies.
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- A Card That Works as Hard as You Do – Earn Up to 10% Cash Back Rewards at select merchants, 1% on Payments and Build¹ Your Credit Along the Way!^^
- Reports monthly to all three major credit bureaus.
- *See Rates, Fees, Costs & Limitations for complete offer details
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. Results vary.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See Revvi Rewards Programs Terms & Conditions for details.
The Bank of Missouri
Annual Fee
See Terms*
Credit Needed
Fair
Foreign Fee
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.99%*
- Earn Up To 10% Cash Back on everyday shopping with your First Access Card - Plus, another 1% back on payments!^^
- An initial credit limit Up To $500! (See terms*)
- Rebuild your credit and get rewarded with First Access.¹
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- Applying only takes a few minutes, and we will provide a credit response in 60 seconds or less.
- *See Rates, Fees, Costs & Limitations for complete offer details
- ¹Account holders who pay their bill on time every month and keep their balance low relative to their credit line, may build or rebuilt their credit.
- ^^1% Cash Back is earned on payments to your Credit Card. Up To 10% Cash Back is earned on qualifying purchases at select participating merchants. Offer percentages vary by merchant and are subject to change. See First Access Rewards Programs Terms & Conditions for details
The Bank of Missouri
Annual Fee
$250 the first year; $99 thereafter
Credit Needed
Fair
Foreign Fee
1% of each transaction in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90%
- Guaranteed $1,000 credit limit if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don't Have Perfect Credit? No Problem!
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- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
The Bank of Missouri
Annual Fee
$85-$175 first year, $229 thereafter
Credit Needed
Fair
Rewards Rate
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
36% Fixed
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Use Anywhere Mastercard is Accepted
- No Security Deposit
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- $0 fraud liability**
- Free access to your Credit Score† *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.
The Bank of Missouri
Annual Fee
$85-$175 first year, $229 thereafter
Credit Needed
Fair
Rewards Rate
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
36% Fixed
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
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- No security deposit
- Free Access to your Credit Score† *See Program Terms for important information about the cash back rewards program. ** Prequalify means that you authorize us to make a soft inquiry into your credit history (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.
The Bank of Missouri
Annual Fee
$175 the first year; $49 thereafter
Credit Needed
Fair
Foreign Fee
1% of each transaction in U.S. dollars.
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90%
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Don't wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
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- No security deposit, just instant purchasing power. See Terms.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
WebBank
Annual Fee
As low as $99
Credit Needed
Fair/Poor
Rewards Rate
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
36% Fixed
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- $0 fraud liability**
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- No Security Deposit
- The Imagine Card is issued by WebBank
- Review Cardholder Agreement for rate and fee information *See Program Terms for important information about the cash back rewards program. **Zero liability subject to Visa’s Zero Liability Policy.
The Bank of Missouri
Annual Fee
$175 the first year; $49 thereafter
Credit Needed
Fair
Foreign Fee
1% of each transaction in U.S. dollars
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90%
- A rewards card for people with less-than-perfect credit!
- Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
- A guaranteed $700 credit limit to help you build access to credit, if approved.
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- With Cashback Rewards, you get to live like an A-lister.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
- No security deposit required—get started today!