Credit Card Offers for Average Credit in 2020

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.

September 2020: BEST CREDIT CARD OFFER FOR FAIR CREDIT

4
Card Overall Rating
Fair / Bad Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
  • YOU CAN DO MORE THAN JUST GET BY - First PREMIER Bank values its customers and employees and helping them build a bright future.**
  • Looking to build a credit future? We report to the major consumer reporting agencies monthly**
  • Reports to consumer reporting agencies help you monitor your financial progress to build credit history (build credit by keeping your balance low and paying on time every month)

More Credit Cards for Fair Credit

Horizon Gold Application
Compare now (13) »
4
Card Overall Rating
  • Must have Active Debit Card or Credit Card to qualify.
  • Instant $500 Credit Line.
  • 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
4
Card Overall Rating
Fair / Bad Credit
  • YOU’RE NOT ALONE – First PREMIER Bank values its customers and employees and helping them build a bright future.**
  • WORKING TOGETHER - Since 1989, First PREMIER Bank has worked to help individuals and families with less-than-perfect credit obtain the credit they need to improve their financial health.**
  • Looking to build credit? We report to the major consumer reporting agencies monthly**
  • Apply online for a credit card to build credit**
  • Fast, easy & secure online applications
  • Credit limit increases can be evaluated after 12 months. Just ask!
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
4
Card Overall Rating
  • 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
  • $300 credit limit (subject to available credit)
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
4
Card Overall Rating
  • Buy Now, Pay Later
  • Get Pre-Qualified Instantly
  • Low Monthly Payments
  • Credit Lines Start at $100!
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
See terms
Annual Fee
$0
4
Card Overall Rating
  • Fair Credit History? Apply or pre-qualify for a credit card today!
  • Earn great rewards or simply build your credit with responsible card use!
  • Monthly reporting to major consumer reporting agencies and 24/7 access to your account.
  • Low to No Annual Fee.
Intro APR on Purchases
See terms
Intro APR on Balance Transfers
See terms
Ongoing APR
Annual Fee
5
Loan Overall Rating
  • Small to medium size personal loans
  • Safe & Secure
  • Fast Lender-Approval
  • Submit Online
Checking Account Required
Yes
Maximum Loan Amount
$5,000
Minimum Loan Amount
$1,000
Employment Required
No
4
Card Overall Rating
  • 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
  • Easy and secure online application
  • $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
  • Select your favorite card design from our gallery, for free!
  • Online Customer Center available 24 x 7
  • Issued by The Bank of Missouri
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
4
Card Overall Rating
Poor/Limited Credit
  • Fast and Easy Application and Approval Process! Click “Apply Now” to apply online
  • Reports to All Three Major Credit Bureaus
  • Access Additional Credit with On-Time Payments and Responsible Usage
  • Fixed APR and Manageable Monthly Payments
  • A true Unsecured EMV enabled (chip) Visa Credit card that does not require perfect credit for approval.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See terms
Annual Fee
See terms
5
Loan Overall Rating
  • Our process is safe, secure, fast and reliable.
  • No waiting in lines or going to a physical store.
  • Request your loan straight from your mobile phone, or computer.
  • You may be approved in minutes, and your cash will be deposited straight into your bank account.
Checking Account Required
Yes
Maximum Loan Amount
$2,500
Minimum Loan Amount
$100
Employment Required
No
4
Card Overall Rating
Excellent, Good, Limited Credit
  • Up to a $5k credit limit
  • All the benefits of a premium Mastercard®
  • High credit limits, low interest rates
  • No annual fee*, no security deposit
  • No credit history required to apply if you don't already have one. If you are a US citizen, a US permanent resident, or have been living in the US for over one year at the time of application, Jasper will run a hard credit inquiry with the credit bureaus.
  • An intuitive experience that includes personalized, real-time financial advice, and innovative auto payment options
  • Ongoing education for smart credit use via app and emails to encourage healthy financial behavior
  • Issued by WebBank, Member FDIC
  • *Review the Jasper fee schedule: Jasper Mastercard®
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
15.49% (variable)
Annual Fee
$0*
5
Card Overall Rating
Fair/Good/Limited/No Credit
  • 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 12.99% - 29.49%
  • 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 may 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
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
12.99% - 29.49% Variable
Annual Fee
$0
Surge Mastercard® Application
Compare now (13) »
4
Card Overall Rating
  • All credit types welcome to apply!
  • Free access to your Vantage 3.0 score From TransUnion* (When you sign up for e-statements)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Free online account access 24/7
  • Checking Account Required
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
25.90% - 29.99%
Annual Fee
$75 - $99
4
Card Overall Rating
  • No credit check necessary to apply. OpenSky believes in giving an opportunity to everyone.
  • The refundable* deposit you provide becomes your credit line limit on your Visa card. Choose it yourself, from as low as $200.
  • Build credit quickly. OpenSky reports to all 3 major credit bureaus.
  • 99% of our customers who started without a credit score earned a credit score record with the credit bureaus in as little as 6 months.
  • We have a Facebook community of people just like you; there is a forum for shared experiences, and insights from others on our Facebook Fan page. (Search “OpenSky Card” in Facebook.)
  • OpenSky provides credit tips and a dedicated credit education page on our website to support you along the way.
  • *View our Cardholder Agreement located at the bottom of the application page for details of the card.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
17.39% (variable)
Annual Fee
$35

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!

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This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

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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