Credit Card Applications
ADVERTISER DISCLOSURE
AcclaimVisa.com is an independent, advertising-supported web site. AcclaimVisa.com 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. AcclaimVisa.com 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.
  • 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.
  • 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.
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • 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.

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
N/A*17.90% -
23.90% (Variable)
$35-$99N/A*
  • Unlimited 1% gas rewards.
  • Rewards post to your account automatically each month.
  • Zero fraud liability protects you from unauthorized charges.
  • Earn 1% on gas purchases and get more value with every gallon.
n/a20.9% (V)$39$0
  • 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.
  • 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.
See termsVarious RatesSee termsSee 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.
n/a24.90%$0See 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!".
n/a19.8% (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.
Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable

Credit Card NEWS

Suze Orman Bows Out of Prepaid Market
August 12, 2014

One of the major players in the celebrity prepaid card game is getting out of the business. Suze Orman, a financial advisor, author and fixture on Oprah Winfrey’s media empire, introduced the Approved prepaid card in partnership with Bancorp Bank in 2012. The card [...]

Expert Q&A

Q:I have around 660 credit score in all three credit bureaus. I'm lookin[...]

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[...]

CreditReport.com

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

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.

68 The Fingerhut Credit Account is offered to US residents by WebBank, a Utah-chartered industrial bank, located in Salt Lake City, UT. Member FDIC, who determines eligibility and qualifications for the terms of credit.
69 If you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of credit.
Copyright © 2006-2014
AcclaimVisa.com.
All Rights Reserved

AcclaimVisa.com is an independent, advertising-supported web site. AcclaimVisa.com 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. AcclaimVisa.com 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. AcclaimVisa.com can be compensated by the credit card issuers when visitors apply for a credit card through this website.

* The acclaimvisa.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. acclaimvisa.com 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 acclaimvisa.com website are property of their respective owners.