Credit Card Applications
ADVERTISER DISCLOSURE is an independent, advertising-supported web site. is compensated by the credit card issuers whose offers appear on our site. This compensation can impact how and where credit products appear on our site, including, for example, the order in which they may appear within product listings. does not offer, review or present all available credit offers.

Credit and Prepaid Card Applications for Fair Credit

If your FICO credit score falls between 640 and 699** you have fair credit, which is also known as average credit. Banks use your score to determine whether or not to extend you a line of credit. The higher your score, the less risk you pose. Having a bad credit score can prevent you from getting a credit card with favorable terms. If you have fair credit or better though, you can qualify for several cards. American Express, MasterCard® and Visa® have many options for people with fair credit.
  • Our Platinum Visa protects you with $0 fraud liability if your card is ever lost or stolen. Rest easy knowing you won´t be responsible for unauthorized charges.
  • All the bonus features you want in a credit card are included. Get 1% cash back on gas and grocery purchases (terms apply). Track your progress over time with free online monthly credit score tracking. And, you could receive credit line increase opportunities.
  • Get Pre-Qualified for a Platinum Visa credit card.
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Get Pre-Qualified for a Platinum Visa credit card.
  • Earn unlimited 1% cash back on gas and grocery purchases, terms apply.
  • Rewards post to your account automatically each month.
  • Quick pre-qualification available with no impact to your credit score.
  • Fast and easy instant decision.
  • Choose your custom card design - Free.

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 Intro APR Purch.
(Intro Period)
APR %Annual Fee Balance Transfers Fee Apply / Details
N/A18.15% - 24.15% Variable$35 - $99N/A
  • See if you´re Pre-Qualified in less than 60 seconds.
  • Zero fraud liability protects you from unauthorized charges.
  • Earn unlimited 1% cash back on gas and grocery purchases, terms apply.
  • Rewards post to your account automatically each month.
  • Pick your payment due date to fit your schedule.
  • Free online monthly credit score tracking included.
  • Email or text alerts to remind you when your payment is due.
  • Automatic reviews for credit line increase opportunities.
  • Choose your card design from our premium gallery, fee applies.
n/a0.0%$49See Terms
  • Shop Brand Name Electronics.
  • No Turn Downs.
  • Credit Limit of Up To $3,500.6
  • 0% APR.
  • Reward Points for every dollar spent.
  • Low Flexible Payments.
  • Reports to Major Credit Bureau.
  • Bad Credit - OK.
n/a0.00%See TermsSee Terms
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
n/a18.15% to 24.15% (V)$35n/a
  • USAA Bank products are only available to military members, veterans who have honorably served, and their eligible family members.
  • Best for members with average credit.
  • Make consistent, on-time payments and you could improve your credit rating - sometimes in as little as 12 months.
  • We´ll periodically consider you for an automatic upgrade to a premium credit card based on improved credit and your account history.
  • Use your card to make purchases worldwide. (Cash advances and balance transfers are not available.)
n/a25.15%$0See Terms
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • Get $50 off $200 - USE Promo Code NC286. Expires: 3/31/16.
  • *SEE Site for Terms & Conditions.
Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable

Best Prepaid Cards with NO Credit Check:

Prepaid Card Name Activation FeeGuaranteed ApprovalCredit CheckBuild Credit Apply / Details
  • Get the power of a NetSpend prepaid card with Western Union® worldwide money transfer.
  • Free direct deposit to help you get your paychecks and government payments up to 2 days faster!*
  • Send WU® money transfers to nearly 500,000 agent locations in over 200 countries and territories on your mobile phone or from the comfort of home.
  • Receive WU® money transfer funds directly onto your card in the online account center.
  • Add cash at over 130,000 reload locations including Western Union®, CVS/pharmacy®, Family Dollar® and participating 7-ELEVEN® locations.
  • Plus: No credit check, late fees, or interest payments because this is not a credit card.
  • *Card issued by MetaBank®, Member FDIC. Terms & conditions apply. Click "Apply Now" for full details and to learn more.
  • Trust Brink′s with your money. Securing cash and valuables since 1859.
  • Get paid up to 2 days faster with Direct Deposit.
  • Access your money whenever, wherever you are. Use your mobile phone and online Account Center to check your balance, send money, find reload/ATM locations and much more.
  • Let Alerts help you stay connected to your money. Know when your card is used, direct deposit arrives, transaction details and your available balance.
  • Shop securely Online with a Virtual Account so you don′t have to use your card number.
  • Add extra protection for shopping in stores by putting your photo on your card.
  • Earn Cash Back via the Payback Rewards program from restaurants, shops and more.
  • $10 Purchase Cushion When You′re A Little Short.
See TermsNoNoNo
  • Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard!
  • Open an optional savings account currently offering a 5.00% APY for balances up to $5,000 (new)
  • Earn Cash back rewards from specially selected stores, restaurants and more
  • Use free direct deposit and get your paychecks faster
  • Get account alerts on your mobile device or download our App to check your balance and see recent transactions
  • No credit check, overdraft fees or interest charges
  • Safer than carrying cash - use it to pay for everyday purchases

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Expert Q&A

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Consider applying for a credit card for people with fair credit history. You can apply for any card, but to apply for some cards you will need a bank account. If you want to apply for two cards, make sure they are not issued by the same issuer, otherwise you will be den[...]

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

Limited Credit History

If your score is not yet fair or average, you might want to consider cards for other categories of credit. Bad credit offers are for people whose credit needs improvement. No credit offers are for people with no credit history like high school or college students seeking for their first card. Secured credit cards are for people with imperfect credit history, who don't qualify for other credit cards and have to deposit money with the bank to secure credit.

6 In Accordance with Terms and Conditions.
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All Rights Reserved is an independent, advertising-supported web site. is compensated by the credit card issuers whose offers appear on our site. This compensation can impact how and where credit products appear on our site, including, for example, the order in which they may appear within product listings. does not offer, review or present all available credit offers.

All the credit card information presented without warranty and can change. To confirm the terms and conditions click the "Apply Now!" button and review the current information on a secure credit card terms page. can be compensated by the credit card issuers when visitors apply for a credit card through this website.

* The webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the website are property of their respective owners.