Amerisave's Top Credit Card Offers for Fair Credit

Capital One Platinum Credit Card

Our rating:4.0

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Recommended credit

580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Annual fee: $0

Balance transfer intro APR: N/A

Regular APR: 29.49% variable

Recommended credit: 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.0

Rating methodology

Cost of Membership: 3.8
Ease of Building Credit: 4.0
APR: 1.0
Features: 2.5

Highlights

No annual or hidden fees. See if you're approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 29.49% (Variable)
Intro Balance Transfers APR: N/A

Discover it® Secured Credit Card

Our rating:4.1

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Recommended credit

(No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

2%: Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically.
1%: Earn unlimited 1% cash back on all other purchases.

Annual fee: $0

Balance transfer intro APR: 10.99% intro APR for 6 months

Regular APR: 26.99% Variable APR

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.1

Rating methodology

Cost of Membership: 5.0
Ease of Building Credit: 3.3
APR: 1.3
Features: 2.5

Highlights

No credit score required to apply. No Annual Fee.
Your secured credit card requires a refundable security deposit, and your credit line will equal your deposit amount, starting at $200. Bank information must be provided when submitting your deposit.
30 points or more—that’s how much you could increase your FICO® Credit Score on average after just six months of responsible use.
Automatic reviews starting at 7 months to see if we can transition you to an unsecured line of credit and return your deposit.
Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter, automatically. Plus, earn unlimited 1% cash back on all other purchases.
Intro Offer: Unlimited Cashback Match for all new cardmembers—only from Discover. Discover will automatically match all the cash back you’ve earned at the end of your first year! There’s no minimum spending or maximum rewards.
Get an alert if we find your Social Security number on the dark web. Activate for free.
Terms and conditions apply.

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 26.99% Variable APR
Intro Balance Transfers APR: 10.99% intro APR for 6 months

The secured Self Visa® Credit Card¹

The secured Self Visa® Credit Card<sup>1</sup>

Our rating:3.0

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Recommended credit

(No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Annual fee: $0 annual fee for the first year only, $25 annual fee thereafter.

Balance transfer intro APR: N/A

Regular APR: 27.99% APR Variable

Recommended credit: (No Credit History) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.0

Rating methodology

Cost of Membership: 2.0
Ease of Building Credit: 3.0
APR: 2.0
Features: 3.8

Highlights

$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 27.99%. Offer valid for new customers only.
With no credit check or prior credit required, anyone can start building credit. Fund your card with a minimum security deposit of $100 and use it anywhere Visa® is accepted in the U.S. Build credit by making on-time payments and maintaining a low credit utilization ratio. Every on-time payment helps build credit history.
If you don’t have the $100 security deposit today, consider a Credit Builder Account² starting at $25 a month⁴. Consistent, on-time payments help you build credit and build savings to secure the secured Self Visa® Credit Card³.
¹The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC.
²Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., First Century Bank, N.A., each Member FDIC. Subject to credit approval.
³Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria Subject to change.
⁴$25/mo, 24 mos, 15.92% APR; $35/mo, 24 mos, 15.69% APR; $48/mo, 24 mos, 15.51% APR; $150/mo, 24 mos, 15.82% APR. See self.inc/pricing

Rates & Fees

Annual Fee: $0 annual fee for the first year only, $25 annual fee thereafter.
Intro Purchase APR: N/A
Regular APR: 27.99% APR Variable
Intro Balance Transfers APR: N/A

Capital One QuicksilverOne Cash Rewards Credit Card

Our rating:3.9

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Rewards rate

5%: Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
1.5%: Earn unlimited 1.5% cash back on every purchase, every day

Annual fee: $39

Balance transfer intro APR: N/A

Regular APR: 29.49% variable

Recommended credit: 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.9

Rating methodology

Cost of Membership: 5.0
Ease of Building Credit: 3.0
APR: 2.0
Features: 5.0

Highlights

Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
Be automatically considered for a higher credit line in as little as 6 months
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Help strengthen your credit for the future with responsible card use
Earn unlimited 5% cash back on hotels, vacation rentals and rental cars booked through Capital One Travel
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set

Rates & Fees

Annual Fee: $39
Intro Purchase APR: N/A
Regular APR: 29.49% (Variable)
Intro Balance Transfers APR: N/A

Upgrade Elite Cash Rewards Visa®

Our rating:4.3

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Rewards rate

2.2%: 2.2% unlimited cash back on every purchase

Annual fee: $0

Balance transfer intro APR: N/A

Regular APR: 14.99% - 29.99%

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards value: 4.0
APR: 2.0
Rewards Flexibility: 2.7
Features: 2.0

Highlights

$200 bonus after opening a Rewards Checking Preferred account and making 3 debit card transactions*
2.2% unlimited cash back on every purchase
Pay no interest when you pay your full balance early**
See if you qualify in seconds with no impact to your credit score
No annual fee
Combine the flexibility of a card with the predictability of a loan
Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection and more
Shop smarter with Upgrade Shopping! Get exclusive savings at stores, restaurants, and more
Contactless payments with Apple Pay® and Google Wallet™
Mobile app to access your account anytime, anywhere
Use your card anywhere Visa is accepted
Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
State Exclusions: DC, GA, IA, MA, WV, WI
Welcome Bonus: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Preferred account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Preferred account within 60 days of the date the Rewards Checking Preferred account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Preferred account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Preferred account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.
Welcome Bonus (continued): Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Preferred account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
**By paying oﬀ your statement balance in full by the EarlyPay payment date, which is two calendar days after your statement closing date, you will avoid daily interest on any new transactions until the following EarlyPay payment date. Refer to your Personal Credit Line Agreement for EarlyPay terms and information. If the balance is not paid in full by the EarlyPay payment date, daily interest will begin to accrue after the Early Pay payment date for past and new transactions. To maintain good standing on your account, you must make at least the required monthly payment by the monthly payment due date, which is 22 calendar days after the statement closing date. You may pay down your full balance at any time to stop further interest charges.
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Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 14.99% - 29.99%
Intro Balance Transfers APR: N/A

Avant Credit Card

Our rating:2.8

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Annual fee: $59

Balance transfer intro APR: N/A

Regular APR: 35.99%

Recommended credit: 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:2.8

Rating methodology

Cost of Membership: 3.0
Ease of Building Credit: 4.5
APR: 2.0
Features: 2.5

Highlights

No deposit required
Reports to all three major credit bureaus
No penalty APR
No hidden fees
Late Fee up to $39
Returned Payment Fee: Up to $25
We may periodically review your account for credit line increases
Fast and easy application process
Help strengthen your credit history with responsible use
Zero fraud liability for unauthorized charges
Conveniently pay your card through our online portal, 24/7
Get Mastercard® ID Theft Protection by Mastercard
Disclosure: If you are charged interest, the charge will be no less than $1.00. Cash Advance Fee 3%, Min: $10
Checking your eligibility does not affect your credit score
Avant branded credit products are issued by WebBank, member FDIC
See the Provider's terms for more information

Rates & Fees

Annual Fee: $59
Intro Purchase APR: N/A
Regular APR: 35.99%
Intro Balance Transfers APR: N/A

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Capital One Platinum Credit Card

Rewards rate

Overall rating

Highlights

Rates & Fees

Discover it® Secured Credit Card

Rewards rate

Overall rating

Highlights

Rates & Fees

The secured Self Visa® Credit Card¹

Rewards rate

Overall rating

Highlights

Rates & Fees

Capital One QuicksilverOne Cash Rewards Credit Card

Rewards rate

Overall rating

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Rates & Fees

Upgrade Elite Cash Rewards Visa®

Rewards rate

Overall rating

Highlights

Rates & Fees

Avant Credit Card

Rewards rate

Overall rating

Highlights

Rates & Fees

Capital One Platinum Credit Card

Rewards rate

At A Glance

Discover it® Secured Credit Card

Rewards rate

At A Glance

The secured Self Visa® Credit Card1

Rewards rate

At A Glance

Capital One QuicksilverOne Cash Rewards Credit Card

Rewards rate

At A Glance

Upgrade Elite Cash Rewards Visa®

Rewards rate

At A Glance

Avant Credit Card

Rewards rate

At A Glance

The secured Self Visa® Credit Card¹