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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.
September 2023: BEST CREDIT CARD OFFER FOR FAIR CREDIT
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
13.24% - 18.00% Variable APR
Annual Fee
None
- 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
More Credit Cards for Fair Credit
- Earn a $100 statement credit when you open and use the PlayStation® Visa® Credit Card to spend $400 in purchases within 60 days of account opening. Offer ends 12/31.*
- Earn 5X points when you shop directly from PlayStation and on purchases of PlayStation and Sony products at PlayStation™ Store and at authorized retailers with purchase confirmation.**
- Earn 3X points on your cable and internet bill payments.***
- Earn 2X points at restaurants, including dine-in, takeout and delivery.***
- Earn 1 point for every $1 spent on all other purchases.***
- Once approved, a temporary shopping pass may be issued and sent to your smartphone, allowing you to shop online right away.††
- No annual fee.†††
- Turn your points into countless rewards, including VIP experiences, the latest games and gear, PlayStation™ Store codes and more.
- This is a good card for Gamer Enthusiasts.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.24%, 25.24%, or 27.99%, based upon your creditworthiness.
Annual Fee
None
- Earn $100 in statement credit when you use the Sony Visa® Credit Card to spend $500 within 60 days of account opening.*
- Earn 5X points on entertainment purchases like movie and concert tickets and on purchases of Sony products at the Sony Store or authorized retailers with purchase confirmation.**,***
- Earn 2X points on ride shares, cable & internet as well as restaurants, including dine-in, takeout and delivery.**
- Earn 1 point for every $1 spent on all other purchases.**
- Once approved, a temporary shopping pass may be issued and sent to your smartphone, allowing you to shop online right away.+
- No annual fee.++
- Turn your points into countless rewards, including VIP experiences, the latest tech and hottest entertainment.
- This is a good card for Entertainment Enthusiasts.
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.24%, 25.24%, or 27.99%, based upon your creditworthiness.
Annual Fee
None
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.
- Just complete the short application and receive a response in 60 seconds.
- 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
- 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.
- Just complete the short application and receive a response in 60 seconds.
- 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 receive a response in 60 seconds.
- 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
This offer is not available in New York and Wisconsin.
- Earn 1% cash back rewards on payments made to your First Digital Credit Card
- Checking Account Required
- $300 credit limit (subject to available credit)
- 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.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See Cash Back Rewards Programs Terms & Conditions for details
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 1st year, $48.00 after*
- 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.
- *Please refer to Extra Card’s Terms of Service and Cardholder Agreement for additional details.
- **With Extra’s Credit Building + Rewards Plan
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.
- Earn 1% cash back rewards on payments made to your Total Credit Card
- Checking Account Required
- $300 credit limit (subject to available credit)
- No security deposit, simply pay a one-time $95 program fee to open your account.*
- User friendly Mobile App.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See Total Card Visa Rewards Programs Terms & Conditions for details
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 1st year, $48.00 after*
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
- 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 / 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 PREMIER 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
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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