Credit Card Applications
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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.
  • Quick pre-qualification available with no impact to your credit score
  • Fast and easy instant decision
  • Choose your custom card design - Free
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • 1% cash back on eligible purchases, terms apply
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time
  • Bad Credit, good Credit, and no Credit. Get yours today!
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results are provided online!

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/A15.65% - 24.15% Variable$0 - $99N/A
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
  • Choose your card design from our premium gallery, a fee may apply
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Rewards post to your account automatically each month
  • Email or text alerts to remind you when your payment is due
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/A15.65% - 24.15% Variable$0 - $99N/A
  • 1% cash back on eligible purchases, terms apply
  • See if you Pre-Qualify without harming your credit score
  • Rewards post to your account automatically each month
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • Flexible payment date to assist you in making your payments on time
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/a*See Terms*See Termsn/a
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (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.
Purch.--Purchases, Bal.Tr.--Balance Transfers, n/a--Not Applicable

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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.

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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.