Credit and Prepaid Card Applications for Fair Credit

First Access Visa® Solid Black Credit Card Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online Reporting monthly to all three major credit reporting agencies Perfect credit not required for approval; we may approve you when others won’t

Milestone Gold Mastercard® Instant pre-qualification is available for those who qualify Less than perfect credit is okay Access your account online or from your mobile device 24/7

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

Reflex Mastercard® See if you’re Pre-Qualified with no impact to your credit score All credit types welcome to apply Free access to your Vantage 3.0 score from TransUnion* (When you sign up for e-statements)

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 offers with rates or limits you want, 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 go up 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.

Credit Card Name	Ongoing APR (for purchases)	Annual Fee	Application Processing Fee	Instant Response	Apply / Details
First Access The Purrrfect Visa® Credit Card	See Terms*	See Terms*	See Terms*	Yes	Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online Reporting monthly to all three major credit reporting agencies Perfect credit not required for approval; we may approve you when others won’t Easy and secure online application $300 credit limit (subject to available credit) Receive your card more quickly with optional Expedited Processing (additional fee applies) Get a result in as little as 60 seconds upon completion of the online application Select your favorite card design from our gallery, for free! Online Customer Center available 24 x 7 Issued by The Bank of Missouri see details
Surge Mastercard®	25.90% - 29.99%	$75 - $99	See Terms*	Yes	All credit types welcome to apply! Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements) Monthly reporting to the three major credit bureaus See if you’re Pre-Qualified without impacting your credit score Fast and easy application process; results in seconds Free online account access 24/7 Checking Account Required see details
Total Visa® Unsecured Credit Card	See Terms*	See Terms*	See Terms*	Yes	Checking Account Required Fast and easy application process; response provided in seconds A genuine Visa® card accepted by merchants nationwide across the USA and online Manageable monthly payments $300 credit limit (subject to available credit) Reports monthly to all three major credit bureaus Select your favorite card design from our gallery, for free! see details
OpenSky® Secured Visa® Credit Card	17.39% (variable)	$35	See Terms	No	No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone. The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200. Build credit quickly. OpenSky reports to all 3 major credit bureaus. 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months. We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.) OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way. *View our Cardholder Agreement located at the bottom of the application page for details of the card. see details
Fit Mastercard® Credit Card	See Terms*	See Terms*	N/A	Yes	All credit types welcome to apply! Monthly reporting to the three major credit bureaus Initial Credit Limit of $400.00!* (subject to available credit) Fast and easy application process; results in seconds Use your card at locations everywhere that Mastercard® is accepted Free online account access 24/7 Checking Account Required see details
Total Visa® Unsecured Credit Card	See Terms*	See Terms*	See Terms*	Yes	Checking Account Required Fast and easy application process; response provided in seconds A genuine Visa® card accepted by merchants nationwide across the USA and online Manageable monthly payments $300 credit limit (subject to available credit) Reports monthly to all three major credit bureaus Select your favorite card design from our gallery, for free! see details
Milestone® Mastercard® with Choice of Card Image at No Extra Charge	24.9%	$35 - $99*	See Terms*	No	Prequalify for a card today and it will not impact your credit score Less than perfect credit is okay 24/7 access to your account information, even on mobile Card designs to fit your personality at no extra charge Account history is reported to the three major credit bureaus in the U.S. see details
First Access American Pride Visa® Credit Card	See Terms*	See Terms*	See Terms*	Yes	Get the security and convenience of a full-feature, unsecured Visa® Credit Card – accepted at millions of merchant and ATM locations nationwide and online Reporting monthly to all three major credit reporting agencies Perfect credit not required for approval; we may approve you when others won’t Easy and secure online application $300 credit limit (subject to available credit) Receive your card more quickly with optional Expedited Processing (additional fee applies) Get a result in as little as 60 seconds upon completion of the online application Select your favorite card design from our gallery, for free! Online Customer Center available 24 x 7 Issued by The Bank of Missouri see details
Total Visa® Unsecured Credit Card	See Terms*	See Terms*	See Terms*	Yes	Checking Account Required Fast and easy application process; response provided in seconds A genuine Visa® card accepted by merchants nationwide across the USA and online Manageable monthly payments $300 credit limit (subject to available credit) Reports monthly to all three major credit bureaus Select your favorite card design from our gallery, for free! see details

Once you have been granted a card for fair credit and you manage your finances wisely, you can level up 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