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
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
 APPLY NOW

At Capital One's
secure site

Credit Needed
Fair Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    24.9% (Variable)
    Annual Fee
    $0
    Credit Needed
    Fair Credit

 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
  • Get a 20% Statement Credit on Uber rides purchased with this card through April 2016
  • 0% intro APR on purchases until April 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until April 2016
  • 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
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
 APPLY NOW

At Capital One's
secure site

Credit Needed
Fair Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    until April 2016
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    until April 2016
    Regular
    APR
    22.9% (Variable)
    Annual Fee
    $39
    Credit Needed
    Fair Credit

 APPLY ONLINE

Credit Needed
Fair Credit
  • No annual fee
  • 2X cash back rewards on purchases for gas, groceries and utilities
  • 1X cash back rewards on all other purchases
  • Cash back rewards are earned as points which can be redeemed for rewards such as cash back statement credits and gift cards starting at 1,000 points for $10
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals in the U.S. and abroad
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score
  • Complimentary FICO® Credit Scores as a benefit to active card members.
 APPLY NOW

At Barclaycard's
secure site

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

 APPLY ONLINE

Credit Needed
Fair Credit
  • Unlimited 1% cash back gas rewards
  • Rewards post to your account automatically each month
  • Get Pre-Qualified without affecting your credit score
  • Automatic reviews for credit line increase opportunities
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Choose your card design from our premium gallery
  • Email or text alerts to remind you when your payment is due
 APPLY NOW

At Credit One Bank's
secure site

Credit Needed
Fair Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A*
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    17.90% - 23.90% (Variable)*
    Annual Fee
    $35-$99
    Credit Needed
    Fair Credit

 APPLY ONLINE

Credit Needed
Fair Credit
  • Unlimited 1% cash back gas rewards
  • Rewards post to your account automatically each month
  • Get Pre-Qualified without affecting your credit score
  • Automatic reviews for credit line increase opportunities
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Choose your card design from our premium gallery
  • Email or text alerts to remind you when your payment is due
 APPLY NOW

At Credit One Bank's
secure site

Credit Needed
Fair Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A*
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    17.90% - 23.90% (Variable)*
    Annual Fee
    $35-$99
    Credit Needed
    Fair Credit

 APPLY ONLINE

Credit Needed
Fair Credit
  • Automatic reviews for credit line increase opportunities
  • Keep an eye on your credit information with free online monthly credit score tracking
  • Get Pre-Qualified without affecting your credit score
  • Choose your card design from our premium gallery
  • Email or text alerts to remind you when your payment is due
  • Unlimited 1% cash back gas rewards
 APPLY NOW

At Credit One Bank's
secure site

Credit Needed
Fair Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A*
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    17.90% - 23.90% (Variable)*
    Annual Fee
    $35-$99
    Credit Needed
    Fair Credit

 APPLY ONLINE

Credit Needed
Fair Credit
  • Earn 1% cash back on all purchases, plus a 25% bonus on the cash back you earn each month you pay on time, for a total of 1.25% cash back
  • There's no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you
  • Free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
 APPLY NOW

At Capital One's
secure site

Credit Needed
Fair Credit
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    19.8% (Variable)
    Annual Fee
    $0
    Credit Needed
    Fair Credit

 APPLY ONLINE

Credit Needed
Good/Fair
  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • Free online account access
  • Zero Liability — you'll never be held liable for unauthorized charges made to your card
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK
 APPLY NOW

At Genesis Bankcard Services's
secure site

Credit Needed
Good/Fair
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    23.90% (Fixed)
    Annual Fee
    $35-$99 (varies by credit level)
    Credit Needed
    Good/Fair

 APPLY ONLINE

Credit Needed
Good/Excellent
  • Get 5,000 Rakuten SuperPoints™ (a $50 value upon approval).
  • Earn 3 Rakuten Super Points™ for every qualifying $1 spent on Rakuten.com.
  • Earn 1 Rakuten Super Points™ for every $1 spent everywhere else.
  • Terms and Conditions Apply
 APPLY NOW

At Rakuten Card USA, Inc.'s
secure site

Credit Needed
Good/Excellent
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    6 Billing Cycles
    Balance Transfers
    Intro APR
    N/A
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    15.99 - 22.99% Variable
    Annual Fee
    $0
    Credit Needed
    Good/Excellent

 APPLY ONLINE

Credit Needed
Fair/Bad Credit*
  • Checking Account Required
  • Apply today and if approved, pay a Processing Fee and you could begin enjoying a manageable credit limit (subject to available credit, additional fees and charges).
  • Reports to the major Consumer Reporting Agencies.
  • Easy Application process!
  • Pay no interest on purchases by paying your balance in full each month
  • If approved, once your account is opened you may use your credit card at millions of merchants worldwide (subject to available credit).
  • Trying to rebuild your credit history? It may be possible if you make on time payments to all your creditors and keep your account balances low relative to the credit limit.
 APPLY NOW

At First PREMIER® Bank's
secure site

Credit Needed
Fair/Bad Credit*
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    N/A*
    Balance Transfers
    Intro APR Period
    N/A
    Regular
    APR
    See website*
    Annual Fee
    See website*
    Credit Needed
    Fair/Bad 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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