All credit types welcome to apply!
See Terms*
N/A
See Terms*
Cash flow technology may help applicants without credit history get approved.
Variable APRs 19.99 - 29.49%
N/A
None
• Upon credit approval, the collateral deposit you provide becomes the credit limit on your Visa® card. Choose between $200 and $1,000.
• After the first year, you can request to increase the credit limit up to a maximum of $5,000 (subject to credit approval and additional collateral deposits).
• This card is perfect for people new to credit as well as people looking to rebuild their credit
• Reports monthly to all three major credit bureaus
• Build or rebuild your credit by keeping your balances low and paying all creditors on time every month.
• 24/7 online account center.
• A minimum collateral deposit of $200 is required to open this account.
• See Terms for complete card details.
“See Issuer Website”
N/A
“See Issuer Website”
Reports to all three credit bureaus, perfect credit not required for approval
*See Terms
*See Terms
*See Terms
Less than perfect credit is okay, no security deposit required
24.9%
N/A
$59-$99
Reports to major credit bureaus; 24/7 account access; no security deposit needed
24.90%
N/A
$0 - $99
Monthly reporting to the three major credit bureaus
See Terms*
N/A
See Terms*
Perfect credit not required; Reports to major credit bureaus
See Terms
N/A
See Terms
Pre-qualification doesn’t impact credit score; previous bankruptcy is okay; reports to major credit bureaus
*Dependent on credit worthiness
24.90%
None
$35 - $99*
Reports to major credit bureaus; fast application process with response in seconds; checking account required
See Terms
N/A
See Terms
Reports to major credit bureaus; initial credit limit of $400; fast application process with results in seconds
See Terms*
N/A
See Terms*
Previous bankruptcy is okay; reports to major credit bureaus; less than perfect credit histories can qualify
24.90%
N/A
$0 - $99
Credit cards for fair credit are specifically designed for individuals between poor credit and good credit. These cards typically don’t have as many features or benefits as cards designed for good and excellent credit, but have far more features and less fees than those designed for poor credit.
These cards are designed to be a next natural “stepping stone” as consumers work to build their credit. Most if not all of the fair credit offers on LowCards report to the major credit bureaus. With responsible, consistent use and when paid on time, this will help increase your credit profile and score. Over time as your score increases, you will be eligible to apply for a card designed for good or even excellent credit.
These cards should be utilized monthly, and we then recommend paying off the balance in full and on time. This practice will help not incur any interest penalties, and the timely payments can help you raise your credit score.
Are all the cards listed for fair credit trustworthy?
100%. All of the cards listed on LowCards in the fair credit category or, for that matter, any category are issued by 100% trustworthy banks and institutions. Many of the cards for fair credit are issued from well known banks like Capital One, Credit One, and others. However many of the offers may be from smaller or regional banks that most consumers are not familiar with. These cards are just as trustworthy and bear the Mastercard or Visa logo, meaning they are part of those networks and accepted anywhere those cards are accepted.
Similarly, all applications on LowCards securely direct you right to the application page on the issuer’s website. Your data and security are our #1 priority, and all the offers we list utilize proper security techniques when handling your information.
How should I find the right card for me?
If you have fair credit, any of the cards listed on this page are designed for you! Our editors have listed the cards in order of their opinion, meaning the cards towards the top tend to offer the best combination of fees, features and benefits.
Cards for fair credit almost always report to the major credit bureaus and offer some additional features such as fraud protection. Some even offer rewards or cash back programs. Be sure to read the terms and conditions for each card when comparing to find the right combinations of features for your unique credit card needs.
If I have fair credit, can’t I just apply for any card?
No. Your chances of being approved for a credit card designed for excellent or even good credit are very slim if you only have fair credit. Credit card companies design cards specifically based on credit profiles and the amount of risk they are willing to take. If your credit score falls in the fair credit range, it’s important you apply for a credit card designed for that credit profile. Otherwise, you are applying for a card that you likely won’t be approved for, and this practice may actually lower or hurt your credit score to some degree.
LowCards.com is an independent, for-profit website. LowCards.com participates in a paid affiliate network and receives compensation from most of the credit card issuers whose offers appear on the site. This compensation helps support our website and enables us to write insightful articles to help you manage your credit card accounts. This compensation, as well as the likelihood of applicants’ credit approval and our own proprietary website guidelines, may impact how and where the cards appear on our site.
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.
In some cases, LowCards has partnered with CardRatings for our coverage of credit card products. LowCards and CardRatings may receive a commission from card issuers.
LowCards.com is an independent, for-profit website. LowCards.com participates in a paid affiliate network and receives compensation from most of the credit card issuers whose offers appear on the site. This compensation helps support our website and enables us to write insightful articles to help you manage your credit card accounts. This compensation, as well as the likelihood of applicants’ credit approval and our own proprietary website guidelines, may impact how and where the cards appear on our site.
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.
In some cases, LowCards has partnered with CardRatings for our coverage of credit card products. LowCards and CardRatings may receive a commission from card issuers.
