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.

March 2020: BEST CREDIT CARD OFFER FOR FAIR CREDIT

5
Card Overall Rating
Fair/New to Credit
Intro APR on Purchases
0% (6 months)
Intro APR on Balance Transfers
10.99% (6 months)
Ongoing APR
14.49% - 23.49% Variable
*See Terms
Annual Fee
$0
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 5% cash back on everyday purchases at different places each quarter like grocery stores, restaurants, gas stations, select rideshares and online shopping, up to the quarterly maximum when you activate. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.

More Credit Cards for Fair Credit

4
Card Overall Rating
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
  • Easy and secure online application
  • If approved, pay a Program 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
  • 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
Fair/Limited Credit
  • Get the security and convenience of a full-feature, unsecured Mastercard® Credit Card – accepted at millions of merchant and ATM locations nationwide and online.
  • Build up your Credit 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.
  • You may be eligible for a Credit Line Increase after six months.
  • Easy and secure online application – it just takes moments to apply.
  • Checking account required.
  • If approved, just pay the one-time Program Fee to gain access to your new account and credit line (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.
  • Issued by Synovus Bank, Member: FDIC.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
Discover it® Student chrome Application
Compare
on Discover's secure website
5
Card Overall Rating
Fair/New to Credit
  • INTRO OFFER: Discover will match ALL the cash back you've earned at the end of your first year, automatically. There's no signing up. And no limit to how much is matched.
  • Earn 2% cash back at Gas Stations and Restaurants on up to $1,000 in combined purchases each quarter. Plus, earn unlimited 1% cash back on all other purchases – automatically.
  • Good Grades Rewards: $20 statement credit each school year your GPA is 3.0 or higher for up to the next 5 years.
  • No annual fee. No late fee on first late payment. No APR change for paying late.
  • Get 100% U.S. based customer service & get your free Credit Scorecard with your FICO® Credit Score, number of recent inquiries and more.
  • Freeze It® on/off switch for your account that prevents new purchases, cash advances & balance transfers in seconds.
  • Get an alert if we find your Social Security number on any of thousands of Dark Web sites.* Activate for free.
  • 0% intro APR on purchases for 6 months, then the standard variable purchase APR of 14.49% - 23.49% applies.
  • Click "APPLY NOW" to see rates, rewards, FICO® Credit Score terms, Cashback Match™ details & other information.
Intro APR on Purchases
0% (6 months)
Intro APR on Balance Transfers
10.99% (6 months)
Ongoing APR
14.49% - 23.49% Variable
Annual Fee
$0
5
Loan Overall Rating
Any Credit
  • Complete our secure online form
  • Review the offer presented
  • Receive funds in your account, if approved
Checking Account Required
Yes
Maximum Loan Amount
$10,000
Minimum Loan Amount
$500
Employment Required
Yes
5
Loan Overall Rating
Any Credit
  • 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
$1,000
Minimum Loan Amount
$100
Employment Required
No
5
Loan Overall Rating
All Credit Welcome
  • Borrow $100 to $35,000 - Fast
  • Instant Decision - Minimal Paperwork
  • Safe, Secure, & Trusted form
  • All credit types welcome!
Checking Account Required
Yes
Maximum Loan Amount
$35,000
Minimum Loan Amount
$100
Employment Required
Yes
4
Card Overall Rating
See website for Details*
  • See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
  • Credit Line Range $550 - $1,250, Doubling to $1,100 - $2,500.
  • Double Your Line by making at least your minimum payment on time each month for the first 7 months your account is open. After you make your payments, the increase is automatic.
  • Get your updated FICO® Score each month.
  • $0 Fraud Liability protects you from unauthorized charges.
  • Online and mobile Account Access.
  • No Penalty Rates or Over Limit Fee
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
20.95% - 29.20% Variable
Annual Fee
$0-$70
5
Loan Overall Rating
All Credit Considered
  • Request a loan in under 2 minutes!
  • This service is free and will NOT affect your credit score
  • Money can be deposited as soon as the next business day
Checking Account Required
Yes
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Employment Required
Yes
Reflex Mastercard® Application
Compare now (16) »
4
Card Overall Rating
Fair/Bad Credit
  • See if you’re Pre-Qualified with no impact to your credit score
  • 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
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
25.90% - 29.99%
Annual Fee
$99
Surge Mastercard® Application
Compare now (16) »
4
Card Overall Rating
Fair/Bad Credit
  • 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
$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!

GET YOUR OFFER MATCH
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Will not affect your
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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
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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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