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Your Estimated Credit Score:

Fair

615-655

Top 10 cards that match your estimated credit score are listed below.
 APPLY ONLINE

Credit Needed
Fair Credit
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone with our mobile app
  • Pay by check, online, or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
 APPLY NOW

At Capital One's
secure site

Credit Needed
Fair Credit
  • Purchases Intro APR
    N/A N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    24.99% (Variable)
    Annual Fee
    $0
    Credit Needed
    Fair Credit

 APPLY ONLINE

Credit Needed
Average-Excellent
  • Chase Slate named "Best Credit Card for Balance Transfers" three years in a row by MONEY Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days of account opening
  • 0% Introductory APR for 15 months on purchases and balance transfers
  • Monthly FICO® Score and Credit Dashboard for free
  • No Penalty APR - Paying late won't raise your interest rate (APR). All other account pricing and terms apply
  • $0 Annual Fee
 APPLY NOW

At Chase's
secure site

Credit Needed
Average-Excellent
  • Purchases Intro APR
    0% for 15 months 15 months
    Balance Transfers Intro APR
    N/A
    Regular APR
    13.24%-23.24% Variable
    Annual Fee
    $0
    Credit Needed
    Average-Excellent

 APPLY ONLINE

Credit Needed
Fair Credit
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases until February 2017; 23.24% variable APR after that
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
 APPLY NOW

At Capital One's
secure site

Credit Needed
Fair Credit
  • Purchases Intro APR
    0% until february 2017 until February 2017
    Balance Transfers Intro APR
    n/a until february 2017
    Regular APR
    23.24% (Variable)
    Annual Fee
    $39
    Credit Needed
    Fair Credit

 APPLY ONLINE

Credit Needed
N/A
  • Find card offers you may be eligible for without affecting your credit score
  • Get matched to features you want like low intro rates, cash back or miles, and more
  • See your card matches in less than 60 seconds
  • Find a card for where you are to help you prepare for what's ahead
  • All Capital One cards come with fraud coverage if your card is lost or stolen
  • 24/7 account access including mobile app for fast and easy account management - right from your smartphone
  • Pick the monthly payment due date that works best for you
  • Pay the way you want - by check, online, or at a local branch
 APPLY NOW

At Capital One's
secure site

Credit Needed
N/A
  • Purchases Intro APR
    N/A N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    Various Rates
    Annual Fee
    See Terms
    Credit Needed
    N/A

 APPLY ONLINE

Credit Needed
Fair Credit
  • 2X points on gas, utility and grocery store (excluding Target® and Walmart®) purchases. 1x points on all other purchases
  • No annual fee
  • Points don't expire as long as account is open, active and in good standing
  • Redeem points for deposits to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10
  • No limit on the number of points you can earn or redeem
  • Free online access to FICO® Credit Score lets you keep an eye on your credit and get alerts when we learn that your score has changed
  • Use your card with confidence, $0 Fraud Liability protection means you're not responsible for unauthorized charges you report to us
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
 APPLY NOW

At Barclaycard's
secure site

Credit Needed
Fair Credit
  • Purchases Intro APR
    N/A N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    25.24%* Variable
    Annual Fee
    $0
    Credit Needed
    Fair Credit

 APPLY ONLINE

Credit Needed
Fair Credit
  • Earn 1% cash back on gas and automotive purchases (terms apply) and double cash back on NASCAR.com purchases.
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time.
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
 APPLY NOW

At Credit One Bank's
secure site

Credit Needed
Fair Credit
  • Purchases Intro APR
    N/A N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    16.65%-23.90% (Variable)
    Annual Fee
    $0 - $99
    Credit Needed
    Fair Credit

 APPLY ONLINE

Credit Needed
Fair Credit
  • 1% cash back on gas & groceries, terms apply
  • See if you Pre-Qualify without harming your credit score
  • This is a fully unsecured credit card with no deposit requirement
  • Flexible payment date to assist you in making your payments on time
  • Automatic reviews for credit line increase opportunities
 APPLY NOW

At Credit One Bank's
secure site

Credit Needed
Fair Credit
  • Purchases Intro APR
    N/A N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    15.65% - 24.15% Variable
    Annual Fee
    $0 - $99
    Credit Needed
    Fair Credit

 APPLY ONLINE

Credit Needed
Fair/Bad Credit
  • Checking Account Required
  • Reports to the major Consumer Reporting Agencies.
  • Easy Application process!
  • All credit types welcome to apply!
  • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit).
  • Know the score! Quarterly FICO score on your monthly billing statements
  • Top 20 Issuer of MasterCard Credit Cards
 APPLY NOW

At First PREMIER Bank's
secure site

Credit Needed
Fair/Bad Credit
  • Purchases Intro APR
    N/A N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    See Issuer Website
    Annual Fee
    See Issuer Website
    Credit Needed
    Fair/Bad Credit

 APPLY ONLINE

Credit Needed
Fair Credit
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
  • Choose your card design from our premium gallery, a fee may apply
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Rewards post to your account automatically each month
 APPLY NOW

At Credit One Bank's
secure site

Credit Needed
Fair Credit
  • Purchases Intro APR
    N/A N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    15.65% - 24.15% Variable
    Annual Fee
    $0 - $99
    Credit Needed
    Fair Credit

 APPLY ONLINE

Credit Needed
Fair Credit
  • Credit One automatically monitors every account for credit line increase opportunities. We'll let you know as soon as you're eligible for additional credit.
  • See if you're Pre-Qualified without harming your credit score. In less than 60 seconds, find the card that's right for you.
  • Earn 1% cash back on gas and grocery purchases. Terms apply.
  • This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account will be reported monthly to all three major credit bureaus.
  • Zero fraud liability protects you from unauthorized charges.
  • Set up custom email or text alerts, so you'll always be aware of your payment due date, when your payment posts, or if your available balance runs low.
 APPLY NOW

At Credit One Bank's
secure site

Credit Needed
Fair Credit
  • Purchases Intro APR
    N/A N/A
    Balance Transfers Intro APR
    N/A
    Regular APR
    15.65% - 24.15% Variable
    Annual Fee
    $0 - $99
    Credit Needed
    Fair Credit

See the online Fair Credit card applications for details about terms and conditions of offers. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button you can review the credit card terms and conditions on the credit card issuer's web site.
What does "Fair" mean to you?

It means that you don't have much margin for error when it comes to credit. You've struggled to pay bills on time, or you're in danger of maxing out your credit cards. In short, you're one misstep away from the dreaded "bad credit" label.

So what should you do next? Issuers are always looking for reasons to crack down on consumers, so it's your job not to give them any more than you already have. Avoid any other missteps for as long as you can. Pay that credit card bill the day it comes in, and pay more than the minimum payment when you do. Carefully consider whether or not to apply for a new credit card. And be sure not to accrue any new debt as you pay down your current ones.



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