Credit Cards for Fair+ Credit Ratings

Find a credit card for a fair or better credit history in this section. If you have a fair or better than average credit history, we recommend that you examine all rates and fees before applying. 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 601-699. 2




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First PREMIER® Bank Mastercard® Credit Card
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Directly with First PREMIER® Bank

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First PREMIER® Bank Mastercard® Credit Card

  • WE’RE HERE TO HELP YOU - US-based customer service means First PREMIER Bank supports the economy impacting the lives of customers and those closest to them
  • Access to available credit when you need it
  • Low monthly payment intended to fit your budget
  • Build credit with First PREMIER - opportunity for credit limit increases after consistent responsible account management
  • Customized account management options to fit your needs


Credit Needed:
Fair, AverageCreditWeb considers people with a credit score between 601 and 699 to have fair credit. 2

Reviews: 4
Rewards: N/A*
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See Terms* N/A* N/A* See Terms*
Indigo® Platinum Mastercard® Credit Card
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Directly with Genesis FS Card Services

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Indigo® Platinum Mastercard® Credit Card

  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.


Credit Needed:
Fair, AverageCreditWeb considers people with a credit score between 601 and 699 to have fair credit. 2

Reviews: 3
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 - $99 N/A* N/A 24.9%
Merrick Bank Double Your Line™ Platinum Visa® Credit Card
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Directly with Merrick Bank

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Merrick Bank Double Your Line™ Platinum Visa® Credit Card

  • See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
  • Credit Line Range $550 - $1,250, Doubling to $1,100 - $2,500.
  • Double Your Line by making at least your minimum payment on time each month for the first 7 months your account is open. After you make your payments, the increase is automatic.
  • Get your updated FICO® Score each month.
  • $0 Fraud Liability protects you from unauthorized charges.
  • Online and mobile Account Access.
  • No Penalty Rates or Over Limit Fee


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 699 to have fair credit. A credit score below 600 is considered poor credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0-$70 N/A* N/A 20.95% - 29.20% Variable
First PREMIER® Bank Gold Credit Card
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First PREMIER® Bank Gold Credit Card

  • WE’RE HERE TO HELP YOU - As the 12th largest issuer of Mastercard, First PREMIER Bank understands customer needs and is there for those who may be rejected by other issuers. 
  • Access to credit, when you need it most (subject to available credit) 
  • Build credit with First PREMIER-opportunity for credit limit increases after consistent responsible account management 
  • Customized account management options to fit your needs


Credit Needed:
Fair, AverageCreditWeb considers people with a credit score between 601 and 699 to have fair credit. 2

Reviews: Be the first to write one
Rewards: N/A*
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See Terms* N/A* N/A* See Terms*
First PREMIER® Bank Classic Credit Card
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First PREMIER® Bank Classic Credit Card

  • BY YOUR SIDE EVERY STEP OF THE WAY - First PREMIER Bank values its customers and employees and helping them secure a bright future 
  • Access to available credit for necessities
  • Choose which customized account management options are right for you 
  • Build credit with First PREMIER-opportunity for credit limit increases after consistent responsible account management 


Credit Needed:
Fair, AverageCreditWeb considers people with a credit score between 601 and 699 to have fair credit. 2

Reviews: 1
Rewards: N/A*
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See Terms* N/A* N/A* See Terms*
First PREMIER® Bank Credit Card
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Directly with First PREMIER® Bank

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First PREMIER® Bank Credit Card

  • YOUR HELPING HAND - A full-service website means First PREMIER Bank customers enjoy 24-hour access to easily manage personal account needs 
  • Access to credit, and the things you need (subject to available credit)
  • Low monthly payment intended to fit your budget
  • Choose which customized account management options are right for you


Credit Needed:
Fair, AverageCreditWeb considers people with a credit score between 601 and 699 to have fair credit. 2

Reviews: 2
Rewards: N/A*
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See Terms* N/A* N/A* See Terms*
Credit One Bank® Platinum Visa®
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Directly with Credit One Bank

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Credit One Bank® Platinum Visa®

  • Enjoy peace of mind with $0 Fraud Liability
  • Qualified applicants will receive a card with a competitive APR and no annual fee along with 1% cash back rewards on all purchases, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
  • Show off your personality by selecting from a variety of card designs, a fee may apply


Credit Needed:
FairCreditWeb considers people with a credit score between 601 and 699 to have fair credit. 2

Reviews: 3
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 - $99 N/A N/A 19.49% to 25.49% Variable
Total VISA® Unsecured Credit Card
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Directly with The Bank of Missouri

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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 Program Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!


Credit Needed:
Fair, PoorCreditWeb considers people with a credit score between 601 and 699 to have fair credit. A credit score below 600 is considered poor credit. 2

Reviews: 2
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See Terms* N/A N/A See Terms*
PREMIER Forward® Mastercard® Credit Card
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Directly with First PREMIER® Bank

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PREMIER Forward® Mastercard® Credit Card

  • WORKING TOGETHER - US-based customer service means First PREMIER Bank supports the economy impacting the lives of customers and those closest to them
  • Access to credit, when you need it most (subject to available credit)
  • Customized account management options to fit your needs
  • Low monthly payment intended to fit your budget
  • Fast, easy & secure online applications


Credit Needed:
Fair, AverageCreditWeb considers people with a credit score between 601 and 699 to have fair credit. 2

Reviews: 3
Rewards: N/A*
Annual Fee BT Intro APR Purchase Intro APR Regular APR
See Terms* N/A* N/A* See Terms*
Milestone Gold Mastercard®
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Directly with Genesis FS Card Services

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Milestone Gold Mastercard®

  • 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
  • Choice of card image at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.


Credit Needed:
Good, FairCreditWeb considers people with a credit score between 690 and 740 to have good credit. A credit score between 601 and 699 is considered fair credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$35 - $99* N/A* N/A 24.9%
First Digital Mastercard®
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Directly with Synovus Bank

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First Digital Mastercard®

  • Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
  • Build up your credit history with a card that reports to all three major credit bureaus every month.
  • Perfect credit not required for approval; we may approve you when others won’t.
  • Easy and secure online application – It takes just moments to apply.
  • Issued by Synovus Bank, Member: FDIC


Credit Needed:
Poor, FairCreditWeb considers people with a credit score below 600 to have poor credit. A credit score between 601 and 699 is considered fair credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$75.00 for first year After that, $48.00 annually N/A* N/A* 35.99%
Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay
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Directly with Genesis FS Card Services

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Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay

  • 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
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.


Credit Needed:
FairCreditWeb considers people with a credit score between 601 and 699 to have fair credit. 2

Reviews: Be the first to write one
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 - $99 N/A* N/A 24.9%
Petal® Visa® Credit Card
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Directly with WebBank

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Petal® Visa® Credit Card

  • 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 14.49% - 25.49%
  • 1% cash back on eligible purchases right away
  • Up to 10% cash back from select merchants
  • Build credit alongside tens of thousands of Petal Card members
  • Cash flow technology can help applicants without credit history get approved
  • $500 - $10,000 credit limits
  • Petal's mobile app makes it easy to manage your money, track your spending, and automate payments
  • See if you're pre-approved within minutes without impacting your credit score
  • Petal reports to all 3 major credit bureaus
  • No deposits required
  • Card issued by WebBank, Member FDIC


Credit Needed:
Limited, Fair 2

Reviews: Be the first to write one
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 N/A N/A 14.49% - 25.49% Variable
Deserve Pro
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Directly with Celtic Bank

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Deserve Pro

  • Enjoy Priority Pass Membership on us (Lifetime value worth $99)
  • Earn 3% cash back on Travel, 2% on Restaurants, & 1% cash back on all other purchases automatically.
  • No Annual Fee, No Foreign Transaction Fees, and No Late Fee on first late payment.
  • Cell Phone Protection up to $600 when you pay your cell phone bill with Deserve EDU Mastercard along with Mastercard Platinum Benefits
  • More Perks You Deserve: Mint Mobile: Three Months of Text + Talk! Use your Deserve Mastercard to sign up and pay for any Mint Mobile wireless plan and you'll get a $45 statement credit. __Lemonade Insurance Rebate __- Pay for 3 consecutive monthly insurance from Lemonade with your Deserve card and get a $10 statement credit. Feather Furniture Rental - Use your Deserve card to rent furniture from Feather and enter promo code DESERVE100 to get $100 off your first month's rental.
  • Start/Stop card use + stay current with your FICO score with the Deserve mobile app
  • Start building your credit responsibly and enjoy the perks for good credit
  • No Deposit Required
  • See Rates & Fees


Credit Needed:
Excellent, GoodCreditWeb considers people with a credit score higher than 740 to have excellent credit. A credit score between 700 and 739 is considered good credit. 2

Reviews: Be the first to write one
Rewards: Cash Back
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 N/A* N/A* 17.49% to 24.49% Variable
If you have fair or average credit, it's easy to believe that you won't qualify for many (if any) credit cards. However, this isn't true. With the right approach, you can find a variety of offers that suit your financial needs.

Credit card companies may prefer customers with good or excellent credit, but they aren't opposed to doing business with those who have yet to reach this level.

If you find yourself in this category, we recommend that you examine all rates and fees before applying. Here's why: credit card companies often assess higher rates on customers with less than excellent credit.

Along with the rates and fees, pay close attention to other features such as: bank account requirements, online account management, security deposit requirements, rewards, and the starting credit limit.

Even if you have fair or average credit, there's an offer out there that can help improve your financial situation.
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