Credit and Prepaid Card Applications for Fair Credit

Capital One® Capital One® Platinum Credit Card $0 intro annual fee for the first year; $19 after that. Image Card - personalize your card with an image of your choice. $0 Fraud Liability if your card is lost or stolen.

Barclays Bank Delaware Barclaycard® Rewards MasterCard® - Average Credit Earn 2,500 points, equal to a $25 statement credit, after your first purchase or balance transfer. 0% Introductory APR for 6 months on purchases and balance transfers. No annual fee.

WebBank Fingerhut Credit Account Affordable Monthly Payments.69 No Annual Fee.68 No Over Limit Fee.68

Capital One® Capital One® QuicksilverOneSM 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.

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
Barclays Bank Delaware Barclaycard® Rewards MasterCard® - No Balance Transfer Fee	n/a	24.99% (Variable)	$0	$0	2X points per $1 spent on gas, groceries and utilities. No balance transfer fee. Redeem for flights, shopping, dining and more. Use your points like cash to pay for any purchase you´ve made. No annual fee. No blackout dates. No cash back limits. see details
Capital One® Capital One® Classic Platinum Credit Card	0% (until September 2014)	22.9% (V)	$39	$0	0% intro APR on purchases until September 2014. $0 Fraud Liability if your card is lost or stolen. Enjoy MasterCard benefits, including 24-hour roadside assistance and extended warranty protection. Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own. see details
Credit One® Bank Credit One Bank® Credit Card with Gas Rewards	n/a	17.90% - 23.90% (V)	$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. All Capital One cards come with fraud coverage if your card is lost or stolen. Online Banking 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. Get 24/7 access. see details
Capital One® JourneySM Student Rewards from Capital One®	n/a	19.8% (V)	$0	$0	Designed to help students build good credit with responsible use. Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit. Customizable text and e-mail alerts to help keep you on track. Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time. No annual fee. $0 Fraud Liability if your card is lost or stolen. see details

Best Prepaid Cards with NO Credit Check:

Bank Name Prepaid Card Name	Activation Fee	Guaranteed Approval	Credit Check	Build Credit	Apply / Details
The Bancorp Bank PayPal™ Prepaid MasterCard®	see site	No!	No	No	Free direct deposit - get your paycheck and government benefits up to 2 days faster. Instantly transfer money from your PayPal Account to your PayPal Prepaid MasterCard! Get account alerts on your mobile device or download our App to check your balance and see recent transactions. 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. No credit check, overdraft fees or interest charges. Safer than carrying cash - use it to pay for everyday purchases. see details
MetaBank Control Prepaid MasterCard®	$0	Yes!	No	No	Use Direct Deposit - get your paycheck or government benefits check up to 2 days faster. Refill a Prepaid Phone using your Control card - Get $1 back each time you add $25 or more. Simple fee plan with no cost to order or activate a card and no overdraft fees. Qualify for a $10 Purchase Cushion and $5/month fee plan after a Direct Deposit of $500 in one calendar month. Earn Cash Back Rewards & Refer A Friend bonuses. Free Bill Pay and online budget management tools. Transfer money to other cardholders online or with your mobile phone. Free Smartphone App - check your transactions, balance and find the closest reload location. see details
MetaBank NetSpend® Visa® Prepaid Card	n/a	Yes!	No	No	Get Paid up to 2 days faster with direct deposit - paychecks and government benefit checks. 100% Approval - No credit check needed (ID verification required). Earn cash back with NetSpend Payback Rewards. Real-time activity alerts sent to your mobile phone. Prescription Discounts - up to 55% off! Funds are FDIC insured up to the current coverage limit (ID verification required). 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