Fair Credit

The following Credit Cards and Prepaid Debit Cards are for People with Fair Credit. Compare offers side by side and apply online for the card that is right for you. Apply for the Fair Credit credit card or prepaid debit card of your choice by completing a secure online application.

See offers from our partners below.

 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Fair Credit
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories and no sign ups needed to earn cash rewards
  • Redeem the cash back you earn for any amount, any time—cash back doesn't expire and there's no limit to how much you can earn
  • 0% intro APR on purchases until January 2016; 22.9% variable APR after that
  • Balance transfers also have a 0% intro APR until January 2016, a 3% fee applies to each balance transferred
  • 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
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • See complete Capital One® QuicksilverOne® Cash Rewards Credit Card details
 APPLY NOW

At Capital One's
secure site

--OR--

Call Capital One at
888-819-6467


Credit Needed
Fair Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    Until 01/2016
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    Until 01/2016
    Regular
    APR
    22.9% (Variable)
    Annual
    Fee
    $39
    Credit Needed
    Fair Credit
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Fair Credit
  • Start with a $0 intro annual fee for the first year; $19 after that
  • 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
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • See complete Capital One® Platinum Credit Card details
 APPLY NOW

At Capital One's
secure site

--OR--

Call Capital One at
888-820-6029


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 intro for first year; $19 after that
    Credit Needed
    Fair Credit
 APPLY ONLINE

 APPLY BY PHONE
Credit Needed
Fair Credit
  • Get the credit you need with a competitive rate
  • 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
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • See complete Capital One® Classic Platinum Credit Card details
 APPLY NOW

At Capital One's
secure site

--OR--

Call Capital One at
888-822-4203


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
    20.9% (Variable)
    Annual
    Fee
    $39
    Credit Needed
    Fair Credit
 APPLY ONLINE

Credit Needed
Fair Credit
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases and 1 point per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No redemption fees, no limit on the points you can earn and no complicated set up.
  • 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 cardmembers. Opt-in to have instant and convenient access to FICO® Scores from your Barclaycard online account.
  • See complete Barclaycard® Rewards MasterCard® details
 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
Average-Excellent
  • Chase Slate named "Best Credit Card for Balance Transfers" two years in a row by Money Magazine
  • $0 Introductory balance transfer fee for transfers made during the first 60 days.
  • 0% Introductory APR for 15 months on purchases and balance transfers.
  • $0 Annual Fee
  • New Free Monthly FICO® Score and Credit Dashboard
  • See complete Chase Slate® details
 APPLY NOW

At Chase's
secure site

Credit Needed
Average-Excellent
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    15 months
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    15 months
    Regular
    APR
    12.99%, 17.99%, 22.99% Variable
    Annual
    Fee
    $0
    Credit Needed
    Average-Excellent
 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
  • See complete Capital One® Card Finder Tool details
 APPLY NOW

At Capital One's
secure site

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

Credit Needed
Average*
  • 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
  • Get free access to your credit score and learn how everyday decisions can affect your score using Capital One® Credit Tracker
  • See complete Journey® Student Rewards from Capital One® details
 APPLY NOW

At Capital One's
secure site

Credit Needed
Average*
  • 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
    Average*
 APPLY ONLINE

Credit Needed
Fair to Excellent
  • Earn 10,000 bonus points after $500 in purchases in the first 90 days, enough to redeem for a $100 cash back statement credit
  • 0% promotional APR for 6 months on ALL ticket purchases from a team ticket office. After that, a variable APR currently 14.99%, 19.99% or 24.99%, based on your credit worthiness
  • Earn 2 points per $1 on NFL or team purchases - game tickets, in-stadium and at team Pro Shops - and 1 point per $1 on all other purchases
  • 20% off every purchase at NFLShop.com - that's $20 off every $100 you spend
  • Redeem points for VIP NFL experiences, game tickets or 1% cash back statement credits beginning at 2,500 points for a $25 statement credit
  • All 32 team cards are available, customized with your favorite team's colors and logo
  • 0% introductory APR for 15 months on balance transfers made within 45 days of account opening. After that a variable APR, currently 14.99%, 19.99% or 24.99%, based on your creditworthiness
  • See complete NFL Extra Points Credit Card details
 APPLY NOW

At Barclaycard's
secure site

Credit Needed
Fair to Excellent
  • Purchases
    Intro APR
    N/A
    Purchases
    Intro APR Period
    N/A
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    15 months (must be completed within first forty-five days of account opening)
    Regular
    APR
    14.99%, 19.99% or 24.99%* Variable
    Annual
    Fee
    $0
    Credit Needed
    Fair to Excellent
 APPLY ONLINE

Credit Needed
Fair Credit
  • Unlimited 1% cash back gas rewards
  • No limit to the gas rewards you can earn
  • 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
  • See complete Credit One Bank® Credit Card with Gas Rewards details
 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
  • 5% cash back in categories that change each quarter. Now - June 30 earn 5% at Restaurants & Movies on up to $1,500 in purchases after you sign up.* 1% cash back on all other purchases.
  • Redeem your cashback for any amount, any time*. Your cash back never expires.
  • J.D. Power awarded Discover "Highest in Customer Satisfaction with Credit Card Companies. Tied in 2014."+
  • Free FICO® Credit Score on monthly statements, online and in our mobile app.*
  • No annual fee, no late fee for your first late payment, APR won't go up for paying late, no overlimit fee and no foreign transaction fee.*
  • Each Discover purchase is monitored. If it's unusual, you're alerted by e-mail, phone or text-and never responsible for unauthorized purchases on your Discover card.
  • 100% U.S.- based customer service— day or night.
  • *See rates, rewards, free FICO® Credit Score terms and other info by clicking "Apply."
  • See complete Discover it® details
 APPLY NOW

At Discover's
secure site

--OR--

Call Discover at
877-360-3730


Credit Needed
Excellent Credit
  • Purchases
    Intro APR
    0%
    Purchases
    Intro APR Period
    14 months
    Balance Transfers
    Intro APR
    0%
    Balance Transfers
    Intro APR Period
    14 months
    Regular
    APR
    10.99% - 22.99% Variable*
    Annual
    Fee
    $0
    Credit Needed
    Excellent Credit
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