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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Advertiser Disclosure 1

Upgrade Card
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Directly with Sutton Bank

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Upgrade Card

  • Choose the Upgrade Card with a personal credit line instead of a credit card and enjoy predictable payments on lines from $500-$50,000.
  • No Fees – No annual fees and no fees to use your card.
  • Quick and easy application – find out if you qualify in minutes.
  • Checking your line won’t hurt your credit score.
  • Free access to credit monitoring, alerts and features to help you understand your credit.
  • Use wherever Visa is accepted. (cannot be used at an ATM)


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: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 N/A* N/A* 6.99%-29.99%
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%
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:
See website for Details*CreditWeb 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: 1
Rewards: None
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 - $99 N/A* N/A 24.9%
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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