Credit Cards for Fair+ Credit Ratings

Find a credit card for a fair or better credit history in this section. Expect moderate to high rates and limited or no rewards. Try to reach a goal of getting good credit or better to open new possibilities. CreditWeb determines fair credit for people who's FICO scores are between 601-675. 1

Top Credit Cards Found.



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Advertiser Disclosure *

First PREMIER® Bank Credit Card

  • Checking Account Required
  • Monthly reporting to the major Consumer Reporting Agencies
  • Access your credit account by phone 24/7 all year round
  • Issued by FDIC-insured First PREMIER® Bank
  • Acceptance at millions of locations worldwide, including online purchases (subject to available credit)
  • If you have less-than-perfect credit, we may approve you when others won't
  • Only you can build a good credit history. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month. 
  • No security deposit required
  • Application response in as little as 30 seconds


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 675 to have fair credit. A credit score below 600 is considered poor credit. 1

Reviews: 1
Rewards: N/A*
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/A*N/A*See Terms*
First PREMIER® Bank MasterCard® Credit Card

  • Must have checking account to qualify
  • Reports to the major Consumer Reporting Agencies
  • Easy Online Application!
  • Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report.
  • Apply for your next credit card account with First PREMIER Bank
  • More than 15 years of credit card experience
  • Application response in 30 seconds


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 675 to have fair credit. A credit score below 600 is considered poor credit. 1

Reviews: 3
Rewards: N/A*
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/A*N/A*See Terms*
Credit One® Platinum Visa® Credit Card

  • 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


Credit Needed:
Poor, FairCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 601 and 675 is considered fair credit. 1

Reviews: Be the first to write one
Rewards: Cash Back (Special)
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 - $99N/A*N/A*15.65% - 24.15% Variable
Surge MasterCard®

  • 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


Credit Needed:
Poor, LimitedCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 645 and 675 is considered limited credit. 1

Reviews: 1
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/AN/ASee Terms*
First PREMIER® Bank Classic Credit Card

  • Must have checking account to qualify
  • Paying your minimum payment on time each month and keeping your balance low relative to your limit will provide your credit report with positive marks on a monthly basis
  • Reports your credit history to the major Consumer Reporting Agencies
  • Featuring new peace-of-mind chip technology
  • Don't be fooled by debit and prepaid offers - this is a real credit card offer
  • Apply for a credit card today - Get a response today!
  • Secure online application keeps your information confidential
  • Application response in as little as 30 seconds


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 675 to have fair credit. A credit score below 600 is considered poor credit. 1

Reviews: 1
Rewards: N/A*
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/A*N/A*See Terms*
Total VISA® Unsecured Credit Card

  • 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
  • Manageable monthly payments
  • If approved, simply pay a processing fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 675 to have fair credit. A credit score below 600 is considered poor credit. 1

Reviews: 1
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/AN/ASee Terms*
First PREMIER® Bank Gold Credit Card

  • Have a checking account? Apply today!
  • Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report
  • Reports your credit history to the major Consumer Reporting Agencies
  • A Gold credit card offer for those with less than perfect credit
  • Go for the Gold! Apply now!
  • A manageable credit limit can help you stay in control
  • Now featuring chip card technology that's more secure
  • Application response in 30 seconds


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 675 to have fair credit. A credit score below 600 is considered poor credit. 1

Reviews: Be the first to write one
Rewards: N/A*
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/A*N/A*See Terms*
Matrix MasterCard® Credit Card

  • All credit types welcome to apply!
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results are provided online!
  • Monthly reporting to the 3 major credit bureaus
  • Use your card at locations everywhere that MasterCard® is accepted
  • Free online account access 24/7
  • Checking Account Required


Credit Needed:
Poor, LimitedCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 645 and 675 is considered limited credit. 1

Reviews: Be the first to write one
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/AN/ASee Terms*
PREMIER Forward® MasterCard® Credit Card

  • Have a checking account? Apply today!
  • Monthly reporting to major Consumer Reporting Agencies.  Apply now!
  • Acceptance at millions of locations worldwide (subject to available credit)
  • First PREMIER Bank may approve you when other issuers will not
  • The activity on our manageable credit limit products is reported to all major Consumer Reporting Agencies on a monthly basis. 
  • No security deposit required
  • Featuring Chip Technology, protecting you if your card is used without your permission
  • Application response in 30 seconds


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 675 to have fair credit. A credit score below 600 is considered poor credit. 1

Reviews: 3
Rewards: N/A*
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/A*N/A*See Terms*
Credit One Bank® Platinum Visa® Credit Card

  • This is a fully unsecured credit card with no deposit requirement.
  • Automatic reviews for credit line increase opportunities
  • See if you Pre-Qualify without harming your credit score
  • Earn 1% cash back on gas and grocery purchases, terms apply
  • Flexible payment date to assist you in making your payments on time
  • Free online monthly credit score tracking included


Credit Needed:
Poor, FairCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 601 and 675 is considered fair credit. 1

Reviews: Be the first to write one
Rewards: Cash Back (Special)
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 - $99N/A*N/A*15.65% - 24.15% Variable
Milestone® Gold MasterCard®

  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
  • Free online account access
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK


Credit Needed:
Fair, LimitedCreditWeb considers people with a credit score between 601 and 675 to have fair credit. A credit score between 645 and 675 is considered limited credit. 1

Reviews: 2
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$35-$99 (varies by credit level)N/A*N/A*23.90% (Fixed)
Credit One® Platinum Visa® Cash Back Rewards Credit Card

  • 1% cash back on gas & groceries, terms apply
  • See if you Pre-Qualify without harming your credit score
  • This is a fully unsecured credit card with no deposit requirement
  • Flexible payment date to assist you in making your payments on time
  • Automatic reviews for credit line increase opportunities


Credit Needed:
Above Average, FairCreditWeb considers people with a credit score between 685 and 710 to have above average credit. A credit score between 601 and 675 is considered fair credit. 1

Reviews: Be the first to write one
Rewards: Cash Back (Special)
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 - $99N/A*N/A*15.65% - 24.15% Variable
Credit One Bank® Unsecured Platinum Visa® Credit Card

  • Find out if you Pre-Qualify without affecting your credit score
  • This is a fully unsecured credit card with no deposit requirement
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included
  • 1% cash back on gas & groceries, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due


Credit Needed:
Poor, FairCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 601 and 675 is considered fair credit. 1

Reviews: Be the first to write one
Rewards: Cash Back (Special)
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 - $99N/A*N/A*15.65% - 24.15% Variable
Indigo® Platinum MasterCard®

  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!


Credit Needed:
Fair, LimitedCreditWeb considers people with a credit score between 601 and 675 to have fair credit. A credit score between 645 and 675 is considered limited credit. 1

Reviews: 1
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 - $99N/A*N/A*23.90% (Fixed)
Credit One Bank® NASCAR® Credit Card

  • Earn 1% cash back on gas and automotive purchases (terms apply) and double cash back on NASCAR.com purchases.
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
  • Flexible payment date to assist you in making your payments on time.
  • Automatic reviews for credit line increase opportunities
  • Free online monthly credit score tracking included


Credit Needed:
Poor, LimitedCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 645 and 675 is considered limited credit. 1

Reviews: Be the first to write one
Rewards: Cash Back
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 - $99N/A*N/A*16.65%-23.90% (Variable)
If you have a fair or better than average credit history, we recommend that you examine all rates and fees before applying.
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