Credit and Prepaid Card Applications for Fair Credit

Capital One® Capital One® Platinum Credit Card Start with no 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. or (866) 829-9192

Barclays Bank Delaware Barclaycard® Rewards MasterCard® - Average 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.

Horizon Card Services Horizon Gold Credit Card Must have Active Debit Card or Credit Card to qualify. $500 Credit Limit. No Credit Check.

Capital One® Capital One® QuicksilverOne® Cash Rewards Credit Card 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. or (866) 829-9192

Your credit score determines the interest rates and credit limit that a card issuer will give you. Although a fair credit score doesn't qualify you for the best rates or limits, the offers are better than those provided to people with bad credit. You can compare offers here to determine which one is best for your current needs. If you make your payments on time, your score will improve and you will have access to better cards. In the meantime, people with fair credit are eligible for reasonable APRs, no annual fees, and even balance transfers. You can also find fair credit offers with cash rebates.

Bank Name Credit Card Name	Intro APR Purch. (Intro Period)	APR %	Annual Fee	Balance Transfers Fee	Apply / Details
Capital One® Capital One® Classic Platinum Credit Card	0% (until May 2015)	22.9% (V)	$39	$0	0% intro APR on purchases until May 2015. 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. Pick the monthly payment due date that works best for you. Pay however you want - by check, online, or at a local branch, all with no fee. Get access to your account 24 hours a day, 7 days a week. Start building for the future with features that can help you get there. or Call (866) 829-9192 see details
Credit One® Bank Credit One Bank® Credit Card with Gas Rewards	n/a	17.90% - 23.90% (Variable)	$35-$75	n/a	1% back on all gas purchases. 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. Make your first six payments on time and get a credit line increase. 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 details
Capital One® Capital One® Card Finder Tool	See terms	Various Rates	See terms	See terms	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 details
WebBank Fingerhut Credit Account	n/a	24.90%	$0	See website	No Annual Fee.68 No Over Limit Fee.68 Get Response in 60 seconds. No down payments, no layaway and no surprises. Apply for Fingerhut Credit today. Fill out our easy online application. Low Monthly Payments.69 Choose From Over 70,000 Products. Shop Great Brands at Fingerhut.com. Budget Friendly Payments with Fingerhut Credit! Get the Credit You Deserve. We just love saying "YES!". see details
Capital One® JourneySM Student Rewards from Capital One®	n/a	19.8% (V)	$0	$0	Earn 1% cash back on every purchase, every month - and pay no annual fee. For every month you pay on time, you receive a 25% bonus — that′s a total of 1.25% cash back. Get access to a higher credit line after making your first 5 monthly payments on time. Brighten your financial future with responsible credit use - and get rewarded along the way. Fraud coverage if your card is lost or stolen. There′s no limit to the amount of cash back you can earn, and rewards don′t expire. Pick the monthly payment due date that works best for you. see details

Once you have been granted a card for fair credit and you manage your finances wisely, you can improve your credit rating and qualify for a credit card for good or excellent credit in the future. You need to make timely payments and keep account balances low relative to the credit limit. The key to raising your credit score is to pay your bills on time. A third of your credit score is based on your payment history. Any missed payments will be reported to the major consumer reporting agencies, which will end up lowering your score. After a few months of timely payments you will begin to see your credit score rise. Even though you may get a substantial limit, it is important for you to keep your balance low. Thirty percent of your score is based on your credit utilization ratio which compares your available credit to the amount you have used. Just because youre getting a new credit card doesnt mean you should cancel or close an older one. Fifteen percent of your score is based on the average amount of time your accounts have been open, the longer they have been open, the higher your score will be.

Limited Credit History