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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.
October 2018: BEST CREDIT CARD OFFER FOR FAIR CREDIT
Average, Fair, Limited Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
24.99% (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
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
24.99% (Variable)
Annual Fee
$39
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
$500
Employment Required
Yes
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
Bad/Fair Credit
- All credit types welcome to apply!
- Monthly reporting to the three major credit bureaus
- Initial Credit Limit of $400.00!* (subject to available credit)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Free online account access 24/7
- Checking Account Required
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*
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
- 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*
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*
Limited/No Credit
- Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.
- Enroll in Direct Deposit and get your pay up to two days early. Certain restrictions apply*
- Easy Online Bill Pay — pay your rent, utilities or a friend*.
- Shop online and in stores - everywhere Visa debit cards are accepted.
- Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification.*
- * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Midnight Prepaid Visa RushCard.
Guaranteed Approval
No
Instant Response
Yes
Credit Check
No
Activation Fee
See terms
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
- 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*
Fair Credit
- Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
- CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you’re at home or on-the-go.
- Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
- Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
- Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
- Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.74% - 25.74% Variable
Annual Fee
$0 - $99
Limited/No Credit
- Get your government benefits up to two days early with Direct Deposit. Certain restrictions apply.*
- Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification*.
- Easy to sign up. Set up your secure PIN and load money to your card with cash or checks or enroll in Direct Deposit.
- Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
- Real time activity alerts to let you know when a load goes through or if your balance is running low.
- Transfer money to another RushCard member for just $0.99 per transaction.
- * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about Carbon Prepaid Visa RushCard.
Guaranteed Approval
No
Instant Response
Yes
Credit Check
No
Activation Fee
See terms
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
- 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*
Limited/No Credit
- Enroll in Direct Deposit and get your pay up to two days early.*
- Real time activity alerts to let you know when a load goes through or if your balance is running low.
- Your funds are FDIC-Insured through MetaBank®, Member FDIC. Card accounts are subject to ID Verification*.
- Approval upon successful ID verification.* No credit check* or minimum balance required.
- Your funds are protected if your card is lost or stolen thanks to the Visa Zero Liability policy.*
- Easy Online Bill Pay— pay your rent, utilities or a friend*.
- * Certain restrictions apply. See card site for details. Click on "Apply Now" to learn more about 24k Prepaid Visa RushCard.
Guaranteed Approval
No
Instant Response
Yes
Credit Check
No
Activation Fee
See terms
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
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
23.9%
Annual Fee
$0 - $99
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*
Bad Credit
- 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
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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