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Debit & Credit Cards for Fair Credit

These credit cards and debit cards are for people that have fair credit. Our objective opinion is included on each card. Each card below contains our editor’s rating and objective opinion. Most of the credit card and debit card offers shown below are from our advertising partners, however LowCards editors have reviewed each of the features and benefits of the cards below and sorted them in order of our editor’s opinion. FICO scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit card.
There are serious pros and cons to be considered when evaluating a credit card designed for fair credit.Some of the pros are that these cards offer individuals with less than perfect credit a strong option for having a day to day credit card. Most of these cards also report to the major credit bureaus, so with responsible use, can help you build your credit score. Unlike cards for good or excellent credit, these cards often have higher fees and less perks. Banks are taking a higher risk on individuals with fair credit, so they expect to be compensated accordingly.
You should truly only apply for a credit card designed for fair credit if you do indeed have fair credit. Those with less than fair credit (poor credit or limited/no credit) should apply for cards specifically designed for their situation. The chances of being approved for a card for fair credit if you are in those credit profiles is slim. On the contrary, those with good or excellent credit should step up and apply for one of those cards, as they will get more benefits and features and generally lower fees and interest rates.
LowCards is a top credit card comparison website which offers a wide array of credit cards depending on your exact credit profile and credit card needs. It's important to choose the right card for your credit profile, and within those cards, choose the right card based on your anticipated usage and what benefits you value most. Each card on LowCards will include the credit profile it is designed for, interest rates, fees, and other information to help you choose the right card for your needs.
 

Reflex Mastercard® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Reflex Mastercard® Credit Card

Best Card Features:

All credit types welcome to apply!

  • 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)

See More »

REGULAR APR

See Terms*

INTRO APR

N/A

ANNUAL FEE

See Terms*

Fair Credit

cdm-card

Recommended For: Fair Credit

Petal® Visa® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Petal® Visa® Credit Card

Best Card Features:

No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee

  • No fees whatsoever. No late fee, international fee, annual fee, or any-other-kind-of-fee, fee
  • Up to 1.5% cash back after making 12 on-time monthly payments
  • Variable APRs 12.99% to 29.49%
  • 1% cash back on eligible purchases right away

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REGULAR APR

12.99% to 29.49% Variable

INTRO APR

N/A

ANNUAL FEE

None

Good Credit

cdm-card

Recommended For: Good Credit

First Digital NextGen Mastercard® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

First Digital NextGen Mastercard® Credit Card

Best Card Features:

Reports to all three credit bureaus, perfect credit not required for approval

  • Build up your credit with a card that reports to all three major credit bureaus every month.
  • You may be eligible for a Credit Line Increase after six months
  • Perfect credit not required for approval; we may approve you when others won’t

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REGULAR APR

*See Terms

INTRO APR

*See Terms

ANNUAL FEE

*See Terms

Bad Credit

cdm-card

Recommended For: Bad Credit

Destiny Mastercard®

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Destiny Mastercard®

Best Card Features:

Less than perfect credit is okay, no security deposit required

  • All the benefits of a Mastercard, without a security deposit
  • Keeping your account in good standing may help establish and/or improve your credit history
  • Less than perfect credit is okay, even with a prior bankruptcy!

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REGULAR APR

24.9%

INTRO APR

N/A

ANNUAL FEE

$59-$99

Fair Credit

cdm-card

Recommended For: Fair Credit

Indigo® Platinum Mastercard®

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Indigo® Platinum Mastercard®

Best Card Features:

Reports to major credit bureaus; 24/7 account access; no security deposit needed

  • Easy pre-qualification process with fast response
  • Don’t have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!

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REGULAR APR

24.90%

INTRO APR

N/A

ANNUAL FEE

$0 - $99

Fair Credit

cdm-card

Recommended For: Fair Credit

Surge Mastercard® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Surge Mastercard® Credit Card

Best Card Features:

Monthly reporting to the three major credit bureaus

  • 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)

See More »

REGULAR APR

See Terms*

INTRO APR

N/A

ANNUAL FEE

See Terms*

Fair Credit

cdm-card

Recommended For: Fair Credit

First Access Visa® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

First Access Visa® Credit Card

Best Card Features:

Perfect credit not required; Reports to major credit bureaus

  • Get the security and convenience of a full-featured, 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

See More »

REGULAR APR

See Terms*

INTRO APR

N/A

ANNUAL FEE

See Terms*

Bad Credit

cdm-card

Recommended For: Bad Credit

Milestone Gold Mastercard®

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Milestone Gold Mastercard®

Best Card Features:

Pre-qualification doesn’t impact credit score; previous bankruptcy is okay; reports to major credit bureaus

  • 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

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REGULAR APR

24.90%

INTRO APR

None

ANNUAL FEE

$35 - $99*

Fair Credit

cdm-card

Recommended For: Fair Credit

Total Visa® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Total Visa® Credit Card

Best Card Features:

Reports to major credit bureaus; fast application process with response in seconds; checking account required

  • 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

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REGULAR APR

See Terms

INTRO APR

N/A

ANNUAL FEE

See Terms

Bad Credit

cdm-card

Recommended For: Bad Credit

Fit Mastercard® Credit Card

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Fit Mastercard® Credit Card

Best Card Features:

Reports to major credit bureaus; initial credit limit of $400; fast application process with results in seconds

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00!* (subject to available credit)

See More »

REGULAR APR

See Terms*

INTRO APR

N/A

ANNUAL FEE

See Terms*

Bad Credit

cdm-card

Recommended For: Bad Credit

Indigo® Unsecured Mastercard® – Prior Bankruptcy is Okay

EDITOR RATING
Applying for this card will securely direct you to the issuer's website.

Indigo® Unsecured Mastercard® – Prior Bankruptcy is Okay

Best Card Features:

Previous bankruptcy is okay; reports to major credit bureaus; less than perfect credit histories can qualify

  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere

See More »

REGULAR APR

24.90%

INTRO APR

N/A

ANNUAL FEE

$0 - $99

Fair Credit

cdm-card

Recommended For: Fair Credit

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LowCards.com does not include all credit card companies or every available credit card offer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Every reasonable effort has been made to maintain accurate information, however credit card offers change frequently. After you click on an offer you will be directed to the credit card issuer’s secure web site where you can review the terms and conditions for your offer.

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