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

  • Have a checking account? This is one requirement
  • Focused on growing or building your credit? We report account activity to all three Consumer Reporting Agencies monthly
  • 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 25 years of credit card experience
  • All services are handled in the heart of the United States
  • Application response in 30 seconds


Credit Needed:
Fair, LimitedCreditWeb considers people with a credit score between 601 and 699 to have fair credit. A credit score between 645 and 689 is considered limited credit. 2

Reviews: 4
Rewards: N/A*
Annual Fee BT Intro APR Purchase Intro APR Regular APR
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First PREMIER® Bank Classic Credit Card
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First PREMIER® Bank Classic Credit Card

  • Have a checking account? This is one requirement
  • 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
  • Focused on growing or building your credit? We report account activity to all three Consumer Reporting Agencies monthly.
  • Featuring new peace-of-mind chip technology
  • Don't be fooled by debit and prepaid offers - this is a real credit card offer
  • Secure online application keeps your information confidential
  • All services are handled in the heart of the United States
  • Application response in as little as 30 seconds


Credit Needed:
Fair, LimitedCreditWeb considers people with a credit score between 601 and 699 to have fair credit. A credit score between 645 and 689 is considered limited 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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First PREMIER® Bank Credit Card

  • Checking account is necessary
  • 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
  • First PREMIER Bank supports our economy - all services handled in the U.S.!
  • Application response in as little as 30 seconds


Credit Needed:
Fair, LimitedCreditWeb considers people with a credit score between 601 and 699 to have fair credit. A credit score between 645 and 689 is considered limited 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*
First PREMIER® Bank Gold Credit Card
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First PREMIER® Bank Gold Credit Card

  • Must have checking account to qualify
  • Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report
  • Your First PREMIER Bank credit card account is reported to the Consumer Reporting Agencies each month
  • A Gold credit card offer for those with less than perfect credit
  • Opportunity to view statements and pay your bill with online account management
  • A manageable credit limit can help you stay in control
  • Now featuring chip card technology that's more secure
  • Application response in 30 seconds
  • Go for the Gold! Apply now!


Credit Needed:
Fair, LimitedCreditWeb considers people with a credit score between 601 and 699 to have fair credit. A credit score between 645 and 689 is considered limited 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*
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? This is one requirement
  • Reports your credit history to the major Consumer Reporting Agencies
  • 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. 
  • Featuring Chip Technology, protecting you if your card is used without your permission
  • Complimentary Mastercard Identity Theft Resolution Services (subject to Mastercard guidelines)
  • Application response in 30 seconds


Credit Needed:
Fair, LimitedCreditWeb considers people with a credit score between 601 and 699 to have fair credit. A credit score between 645 and 689 is considered limited 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*
Credit One Bank® Platinum Visa® with Cash Back Rewards
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Directly with Credit One Bank

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Credit One Bank® Platinum Visa® with Cash Back Rewards

  • Seeing if you Pre-Qualify is fast, easy, and secure
  • Get 1% cash back rewards on eligible purchase, terms apply
  • Rewards post automatically to your account each month.
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • With $0 Fraud Liability, you won't be responsible for unauthorized charges
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Enjoy exclusive offers available to Credit One Bank card members through Visa® Discounts.
  • Your card includes travel accident and auto rental collision insurance from Visa®


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 699 is considered fair credit. 2

Reviews: Be the first to write one
Rewards: Cash Back (Special)
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 - $99 N/A N/A 17.49% - 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 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 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*
Credit One Bank® Platinum Visa® for Rebuilding Credit
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Directly with Credit One Bank

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Credit One Bank® Platinum Visa® for Rebuilding Credit

  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Receive opportunities for credit line increases, a fee may apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text


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: Cash Back (Special)
Annual Fee BT Intro APR Purchase Intro APR Regular APR
$0 - $99 N/A N/A 17.49% - 25.49% Variable
Total VISA® Unsecured Credit Card
SSL
Directly with The Bank of Missouri

Compare

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 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
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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