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 601-675. 1

Featured Credit Cards Found.



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

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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: 2
Rewards: N/A*
Annual FeeBT Intro APR Purchase Intro APRRegular APR
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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

  • 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
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Credit One Bank® Platinum Visa®
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Directly with Credit One Bank

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Credit One Bank® Platinum Visa®

  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date.
  • Take advantage of free online access to your monthly Experian credit score and credit report summary
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically get 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date for added convenience, terms apply.


Credit Needed:
FairCreditWeb considers people with a credit score between 601 and 675 to have fair credit. 1

Reviews: Be the first to write one
Rewards: Cash Back (Special)
Annual FeeBT Intro APR Purchase Intro APRRegular APR
$0 - $99N/AN/A16.74% - 24.74% Variable
First PREMIER® Bank Gold Credit Card
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Directly with First PREMIER® Bank

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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*
First PREMIER® Bank Classic Credit Card
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Directly with First PREMIER® Bank

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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*
Credit One Bank® Cash Back Credit Card
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Directly with Credit One Bank

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Credit One Bank® Cash Back Credit Card

  • Receive 1% cash back on eligible purchases, terms apply
  • Make paying your bill easier with the ability to choose your payment date. Terms apply.
  • See if you Pre-Qualify without harming your credit score
  • Zero fraud liability protects you from unauthorized charges
  • Monitor your credit with free online access to your credit score
  • Show off your style with a premium card design, a fee may apply
  • Receive opportunities for credit line increases, a fee may apply
  • Email or text alerts to remind you when your payment is due


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/AN/A16.74% - 24.74% Variable
Surge Mastercard®
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Directly with Celtic Bank

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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
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Total VISA® Unsecured Credit Card
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Directly with Mid America Bank & Trust Company

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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 processing 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!  
  • No-Fee credit line increase opportunities!


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: 2
Rewards: None
Annual FeeBT Intro APR Purchase Intro APRRegular APR
See Terms*N/AN/ASee Terms*
PREMIER Forward® MasterCard® Credit Card
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Directly with First PREMIER® Bank

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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*
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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