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CREDIT CARDS & LOANS FOR AVERAGE CREDIT IN 2023
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.
June 2023: BEST CREDIT CARD OFFER FOR FAIR CREDIT
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Fair / Poor Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Provider Website
Annual Fee
See Provider Website
- Don’t let a low FICO score stop you from applying – we approve applications others may not.
- You don’t need good credit to apply.
- Just complete the short application and find out in 60 seconds if you’re approved.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
More Credit Cards for Fair Credit
- Earn 10,000 bonus Rewards Points when you spend $2,000 in the first 60 days
- Earn 1 point for every $1 spent on everyday purchases
- No annual fee or balance transfer fee
- Points never expire while account is open and in good standing
- Redeem points for travel, merchandise, events and activities, charitable donations, and gift cards
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
0% Intro APR for 12 billing cycles on balance transfers made in the first 90 days
Ongoing APR
12.99% - 18.00% Variable APR
Annual Fee
None
- No Monthly Fees.
- Get fee-free overdraft up to $200 with SpotMe®*
- Set up Direct Deposit and get your paycheck up to 2 days earlier^ than some of your co-workers!
- Banking services and debit card provided by The Bancorp Bank N.A. or Stride Bank, N.A., Members FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa debit cards are accepted.
- *Chime SpotMe is an optional, no fee service that requires a single deposit of $200 or more in qualifying direct deposits to the Chime Checking Account each at least once every 34 days. All qualifying members will be allowed to overdraw their account up to $20 on debit card purchases and cash withdrawals initially, but may be later eligible for a higher limit of up to $200 or more based on member’s Chime Account history, direct deposit frequency and amount, spending activity and other risk-based factors. Your limit will be displayed to you within the Chime mobile app. You will receive notice of any changes to your limit. Your limit may change at any time, at Chime’s discretion. Although there are no overdraft fees, there may be out-of-network or third party fees associated with ATM transactions. SpotMe won’t cover non-debit card transactions, including ACH transfers, Pay Anyone transfers, or Chime Checkbook transactions. See Terms and Conditions.
- ^Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
Card Type
Debit
Activation Fee
No
Maintenance Fee
No
Overdraft Available
Yes
Fair / Poor Credit
- Don’t let a low FICO score stop you from applying – we approve applications others may not.
- You don’t need good credit to apply.
- PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
- Everyone deserves a chance to build** credit: apply today!
- Just complete the short application and find out in 60 seconds if you’re approved.
- When you need assistance our award-winning US-based Customer Service agents are there to help.
- FICO 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 PREMIER Bankcard® product.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Provider Website
Annual Fee
See Provider Website
Fair / Poor Credit
- You don’t need good credit to apply.
- We help people with bad credit, every day.
- Just complete the short application and find out in 60 seconds if you’re approved.
- You can build** or rebuild your credit: apply for a PREMIER Bankcard credit card, keep your balance low, and pay all your monthly bills on time.
- Don’t let a low FICO score stop you from applying – we approve applications others may not.
- FICO 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 PREMIER Bankcard® product.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Provider Website
Annual Fee
See Provider Website
- Build credit & Earn rewards.
- Payment performance is reported monthly to TransUnion, Equifax, Experian, and Innovis.
- Track your credit score every month.
- Learn with courses and pick up useful skills.
- Earn 1% back on loan offers. Up to $1,225.
- 0% APR / $0 fees. Instant approval. No credit check.
Checking Account Required
No
Maximum Loan Amount
See terms
Minimum Loan Amount
See terms
Employment Required
No
Any Credit
- See Your Rate In Minutes
- Get Your Free Experian® Credit Report
- Compare Low Interest Personal Loans Up To $100,000. Get An Online Quote In Minutes!
- Get Matched To Personal Loan Offers Based On Your FICO® Score Even If You Have Bad Credit.
Checking Account Required
Yes
Maximum Loan Amount
$100,000
Minimum Loan Amount
$1,000
Employment Required
Yes
- No annual fee
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply!
- Looking to build or rebuild your credit? 2/3 of cardholders receive a 48+ point improvement after making 3 on-time payments
- With an 87% average approval rate for the past 6 months, OpenSky gives everyone an opportunity to improve their credit
- Get considered for an unsecured credit line increase after 6 months - no additional deposit
- Monitor your credit progress with free access to your FICO Credit Score.
- Reports to all 3 major credit bureaus monthly to establish and build credit history.
- Secure your credit line with a refundable security deposit - as low as $300.
- Easy application, apply in less than 5 minutes right from your mobile device
- Offer flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.2 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
29.49% (variable)
Annual Fee
$0
This offer is not available in AL, IN, KY, NV, VT, WA, WI.
- No credit check
- No admin or membership fees
- Your deposit is FDIC insured
- Each payment will be reported to all 3 credit bureaus and added to your savings
- Your Credit Builder Account reports monthly payments to all 3 major credit bureaus. Set up auto-pay so you can build credit while you’re asleep
This offer is not available in AL, IN, KY, NV, VT, WA, WI.
Checking Account Required
Yes
Maximum Loan Amount
$2,000
Minimum Loan Amount
$500
Employment Required
No
This offer is not available in DC, MA, MD, ME, ND, NV, WV.
- See if you qualify instantly without harming your credit score.
- Enjoy Unlimited 1 - 1.5% Cash Back on all Purchases.
- Be automatically considered for a higher credit line in as few as 7 months.
- Free, online credit score access for cardholders.
- Instant decision on your application.
- No interest on purchases when you pay in full and on time each month.
- No security deposit required – get started today!
- Enjoy coverage from Visa®.
- Access your account anytime, anywhere with our mobile app.
- If you are charged interest, the charge will be no less than $0.50.
This offer is not available in DC, MA, MD, ME, ND, NV, WV.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
26.99 - 29.99% Variable
Annual Fee
$0
This offer is not available in New York and Wisconsin.
- Get the security and convenience of a full-feature, unsecured MasterCard® Credit Card – accepted at millions of merchant and ATM locations worldwide and online.
- Build up your credit history 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.
- Designed to help overcome credit issues; you may be approved even if you’ve been declined elsewhere.
- You may be eligible for a Credit Line Increase after 12 months.
- Easy and secure online application – It takes just 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
This offer is not available in New York and Wisconsin.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
35.99%
Annual Fee
$75.00 for first year. After that, $48.00 annually.
- Extra is the first debit card that helps you build your credit and earns reward points.**
- Earn up to 1% back in redeemable reward points with every purchase and spend your points on everything from Apple Airpods to Beauty products in the legendary Extra Rewards store.
- Extra is compatible with over 10,000+ banks*** across the United States—keep your money where you want, while spending smarter with Extra.
- No Credit Checks.
- No Deposit Required.
- No interest charges or surprises.
Card Type
Debit
Activation Fee
$0
Maintenance Fee
See terms
Overdraft Available
Yes
Fair / Poor Credit
- Everyone deserves a chance to build** credit: apply today!
- PREMIER Bankcard credit cards are for building credit.
- Start building credit by keeping your balance low and paying all your bills on time each month.
- We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
- FICO 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 PREMIER Bankcard® product.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Provider Website
Annual Fee
See Provider Website
This offer is not available in New York and Wisconsin.
- Total Visa active cardholders get exclusive access to free Credit Monitoring powered by TransUnion®!
- Checking Account Required
- Fast and easy application process; response provided in seconds
- A genuine Visa credit 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
This offer is not available in New York and Wisconsin.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms
Annual Fee
See Terms
This offer is not available in U.S. territories.
- Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
- Earn 1% Cash Back Rewards* on all other eligible purchases
- Good anywhere Mastercard® is accepted
- $0 fraud liability**
- Free access to your VantageScore 4.0 credit score from TransUnion®†
This offer is not available in U.S. territories.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
29.99% or 36% Fixed
Annual Fee
As low as $85
- Users can get up to 1 in 100 odds of getting your purchase paid for by Yotta for free. Plus earn 50% tickets back on every purchase
- FDIC insured
- Get paid two days early when users set up direct deposit on account
- Save with 2.70% average APY
Card Type
Prepaid
Activation Fee
No
Maintenance Fee
No
Overdraft Available
No
- Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
- Earn 1% Cash Back Rewards* on all other eligible purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
- No security deposit
- Free access to your VantageScore 4.0 score from TransUnion®†
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
29.99% or 36% Fixed
Annual Fee
As low as $85
- Bad Credit, Low Score? No Problem!
- Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
- Receive a $750 Credit Line*
- Easy Application with Immediate Results
- No Credit Check
- *usable only at theHorizonOutlet.com
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.00%
Annual Fee
See terms
Bad / Limited / No Credit
- There’s no checking account required.
- When you need assistance, our award-winning, U.S.-based Customer Service representatives are there to help.
- After six months of responsible secured card use you may be eligible§ to apply for an unsecured PREMIER Bankcard® Mastercard®.
- §PREMIER Bankcard® Mastercard® available upon invitation after you’ve been with us for six months and have kept your account in good standing (on-time payments and staying within credit limit).
- If approved, make your first six monthly minimum payments on time and we may send you an offer to apply for an unsecured credit card. Some restrictions apply.§§
- §§If you apply for the second account, which is unsecured, you will be approved if you can demonstrate the ability to pay your bills, meet our minimum income requirements, do not reside in New York or Wisconsin and are not covered under the Military Lending Act.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Provider Website
Annual Fee
See Provider Website
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- 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 Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- 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
29.99% (Variable)
Annual Fee
See Terms
- All the benefits of a Mastercard, without a security deposit
- 24/7 access to your account, even on mobile!
- Reports to all three major credit bureaus
- Less than perfect credit is okay, even with a prior bankruptcy!
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See terms
Annual Fee
See terms
- Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From Experian* (When you sign up for e-statements)
- Initial Credit Limit of $300 – $1,000* (subject to available credit)
- 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
See website for Details*
Intro APR on Balance Transfers
See website for Details*
Ongoing APR
29.99% (Variable)
Annual Fee
See website for Details*
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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