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Credit Card Offers for Average Credit in 2019
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.
December 2019: BEST CREDIT CARD OFFER FOR FAIR CREDIT
Compare now (15) »
Average, Fair, Limited Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
26.99% (Variable)
Annual Fee
$0
- Pay no annual fee
- Get access to a higher credit line after making your first 5 monthly payments on time
- Fraud coverage if your card is lost or stolen
More Credit Cards for Fair Credit
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!
- Credit limit increase eligibility after 13 months and kept your account in good standing.
- Know the score! Quarterly FICO score is provided for free on the monthly billing statement.
- $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
Average, Fair, Limited Credit
- Earn unlimited 1.5% cash back on every purchase, every day
- Earn cash rewards without signing up for rotating categories
- Get access to a higher credit line after making your first 5 monthly payments on time
- Monitor your credit profile with the CreditWise® app, free for everyone
- $0 fraud liability if your card is ever lost or stolen
- No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
- Help strengthen your credit for the future with responsible card use
- Get customized alerts and manage your account with the Capital One mobile app
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
26.99% (Variable)
Annual Fee
$39
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 Bank 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 / Good Credit
- Gettington Credit Account (issued by WebBank)
- Gettington offers thousands of name brand products and convenient credit.
- Gettington Credit Account features a low APR, no annual fees**, no hidden fees** and the ability to pay your way:
- FAST Option: Use this when you want to pay off purchases faster. Make 4 Monthly Payments and you'll be paid in full.
- EASY Option: Use this when you need more flexibility. Spread out the cost of your purchase over 24 Monthly Payments or less - much faster than a typical credit card payback!
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
29.99% (non-variable)
Annual Fee
$0
All Credit Types Considered
- Request a loan in 2 minutes or less
- Direct deposit as soon as the next business day
- All credit types considered
- Safe and secure online form
Checking Account Required
Yes
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Employment Required
Yes
Bad Credit
- No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
- No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
- Instant Response (Delays may occur depending on application data provided).
- Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
- Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
- Choose From Over 450,000 items.
- Shop Great Brands at Fingerhut.com.
- Get the Credit You Deserve.
- We just love saying "YES!"
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
See Terms
Annual Fee
$0
Fair Credit
- Qualified applicants will receive exclusive benefits such as 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply.
- Manage your account quickly and easily from your mobile device by using the Credit One Bank mobile app.
- Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
- Your account is safeguarded against unauthorized charges with Zero Fraud Liability at no additional charge.
- 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.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.74%-25.74% Variable
Annual Fee
$0 - $99
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
- Initial Credit Limit of $500.00!* (subject to available credit)
- 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
29.99%
Annual Fee
$125.00 for the first year, after that $96.00 annually
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 Program 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!
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
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 5% cash back at different places each quarter like gas stations, grocery stores, restaurants, Amazon.com and more up to the quarterly maximum, each time 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.
- 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 19.49%.
- 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
19.49% Variable
Annual Fee
$0
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
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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