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Credit Card Offers for Average Credit in 2018
Have you made mistakes in the past and damaged your credit somewhat, but still need the convenience of a credit card? Well, there are some great credit card offers for people with fair credit history. Whatever the purpose for the credit card you choose, keep in mind - you may improve your credit by making timely bill payments and keeping account balances low relative to the credit limit. Here, below is a list of credit card offers from leading banks that offer cards to customers with less than perfect credit history. Scroll down to find the card that meets your needs.
April 2018: BEST CREDIT CARD OFFER FOR FAIR CREDIT
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Fair / Bad Credit
Intro APR on Purchases
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Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
- Checking Account Required
- All credit types welcome to apply!
- A manageable credit limit can help you stay in control.
More Credit Cards for Fair Credit
Bad/Fair Credit
- 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!
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
Fair / Bad Credit
- Must have checking account to qualify
- A 60 second response could mean a new credit card for you!
- A Gold credit card offer for those with less than perfect credit.
- Manage your account online 24/7 free of charge
- Zero fraud liability protects you from unauthorized charges. Restrictions apply.
- Only you can rebuild your credit. A First PREMIER Credit Card can be one tool to help in your journey. 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.
- Easy Online Application!
- Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
Fair Credit
- Find the card that’s right for you without affecting your credit score.
- Show off your personality by selecting from a variety of card designs, a fee may apply.
- Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
- Set up custom email or text alerts so you'll always be aware of your payment due date, when your payment posts, or if your available credit runs low.
- Don’t get stuck with a payment date that doesn’t work with your schedule. Credit One Bank allows you to choose your monthly payment due date. Terms apply.
- Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
- As you build a positive credit history, you'll earn more credit line increase opportunities. A fee may apply.
- Know you’re protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account.
Intro APR on Purchases
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Intro APR on Balance Transfers
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Ongoing APR
19.15% - 25.24% Variable
Annual Fee
$0 - $99
Fair / Bad Credit
- Must have checking account to qualify
- Reports to the major Consumer Reporting Agencies.
- We provide a response in 60 seconds or less.
- Bad Credit? Good Option!
- Know the score! Quarterly FICO score on your monthly billing statements
- $0 Fraud Liability on unauthorized charges. Restrictions apply.
- Our application is easy and confidential.
- Looking for a new credit card? Apply today!
- Credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any First PREMIER® Bank product.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
Excellent/Good/Fair Credit
- Show your military pride while supporting the affiliate group of your choice.
- Earn one point for every dollar spent on your everyday purchases.
- Get 2,500 bonus points with your first purchase.
- Earn points without a cap or expiration.
- Redeem your points for cash, merchandise, gift cards, travel or donate to your favorite military affiliate group.
- Redeem for cash on your mobile device.
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
0% (12 months)
Ongoing APR
12.15% to 27.15% (V)
Annual Fee
$0
Fair/Bad Credit
- Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
- Reporting monthly to all three major credit reporting agencies
- Perfect credit not required for approval; we may approve you when others won’t
- You may be eligible for a Credit Line Increase after six months
- Easy and secure online application
- If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
- Receive your card more quickly with optional Expedited Processing (additional fee applies)
- Get a result in as little as 60 seconds upon completion of the online application
- Online Customer Center available 24 x 7
- The First Access Visa Card is issued by The Bank of Missouri pursuant to a license from Visa U.S.A. Inc.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
Bad Credit
- Must have Active Debit Card or Credit Card to qualify.
- $500 Credit Limit.
- No Credit Check.
- No Employment Check.
- Reports to a Major Credit Bureau.
- Fast Online Application.
- Bad Credit accepted.
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.00%
Annual Fee
See Terms
Fair / Good Credit
- Enjoy one of the lowest APRs in the industry.
- Same low rate for purchases, balance transfers and cash advances.
- No foreign transaction fee.
- USAA membership is available to active and former military and their eligible family members.
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
8.15% to 25.15% (V)
Annual Fee
$0
Fair Credit
- 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®
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.15% - 25.24% Variable
Annual Fee
$0 - $99
Fair / Good Credit
- Simple and fast application process
- Don't have perfect credit? No problem!
- Free 24/7 account access and bill pay from anywhere
- No security deposit
- Account history is reported to the three major credit bureaus in the U.S.
Intro APR on Purchases
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Intro APR on Balance Transfers
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Ongoing APR
23.9%
Annual Fee
$0 - $99
Fair Credit
- See if you Pre-Qualify without harming your credit score
- This unsecured card requires no deposit and can help build your credit
- Track your progress with free online access to your Experian credit score, terms apply
- Build your credit history—we report to the credit bureaus monthly
- Looking for more credit? Get credit line increase opportunities, a fee may apply
- Enjoy the flexibility to choose your payment due date, terms apply
- Receive 1% cash back rewards on eligible purchases, terms apply
- No need to fret—you’re covered by $0 Fraud Liability
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.15% - 25.24% Variable
Annual Fee
$0 - $99
Fair / Good Credit
- Applying is quick and easy with our fast decision process
- Less than perfect credit is okay
- 24/7 access to your account information, even on mobile
- Card designs to fit your personality at no extra charge
- Account history is reported to the three major credit bureaus in the U.S.
- *Dependent on credit worthiness
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
23.9%
Annual Fee
$35 - $99*
Fair Credit
- Enjoy peace of mind with $0 Fraud Liability
- See if you Pre-Qualify in less than 60 seconds
- Receive 1% cash back on eligible purchases, terms apply
- Enjoy more buying power with credit line increase opportunities, a fee may apply
- Choose your monthly payment due date for added convenience, terms apply
- View updates to your Experian credit score with free online access, 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
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.15% - 25.24% Variable
Annual Fee
$0 - $99
Fair Credit Card Offers
People with fair credit may experience difficulty getting approved for credit cards with low interest rates. On the other hand, a fair credit card holder should not be subject to the same harsh terms and high fees as someone with bad credit. Get out of the grey area and use these tips to reestablish your credit rating and enjoy the convenience of a credit card!
- Rebuild your credit. There are in fact great credit card options for people with less than perfect credit history. These cards can help you rebuild your credit by making timely bill payments and keeping account balances low relative to the credit limit.
- Get a co-signer. A co-signer will increase your chances of approval because it gives you further financial backing. The point is to compensate for your deficient credit score, so find someone with a stable job and good credit history.
- Be realistic about your expectations. It is possible that your application may be denied or that you will pay a higher interest rate than an applicant with a high credit score.
- Reap the benefits. Even with fair credit, cardholders can enjoy incentives like cash back offers, 0% introductory APR, low or no annual fees, low balance transfer fees, and built-in features to help card holders establish good credit like cash back on purchases when monthly bills are paid on time.
So do not let your less than stellar credit history dissuade you from applying for a credit card. Apply today to start rebuilding your score and enjoying the rewards!
Not Sure Which Card to Choose?
Ask Our Experts or Read Credit Card FAQs
If you are someone with fair credit, your credit score lands you between “poor” and “good.” FICO is the most popular scoring system now. It is often used by major issuers to make an approval decision. According to the FICO credit score...
There is no universal credit card offer that is definitely the best one for someone with fair credit. The thing is we all have different financial situations and credit histories even though they are all tagged as “fair credit”....
To get an unsecured card you should show sufficient income and have a stable job. The banks should see that you can manage credit cards: make on time payments and stay within limits. The length of your credit history is important as well: little...
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