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Credit Card Offers for Average Credit in 2021
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.
August 2021: BEST CREDIT CARD OFFER FOR FAIR CREDIT
Compare now (13) »
Fair / Bad Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
- Choose which account management options are right for you.
- Build credit with First PREMIER**
- Fill out an application and know in 60 seconds if you’re approved!
More Credit Cards for Fair Credit
Fair / Bad Credit
- Choose which account management options are right for you.
- Build credit with First PREMIER**
- Fill out an application and know in 60 seconds if you’re approved!
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
- Bad Credit, Low Score? No Problem!
- Managing your credit is key! TRY US RISK-FREE FOR 7 DAYS!
- Build your Credit with responsible handling of your account
- Receive a $750 Credit Line
- Easy Application with Immediate Results
- No Credit Check
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
0.00%
Annual Fee
See terms
- Fast and easy application; response provided in seconds
- A genuine Visa credit card accepted by merchants nationwide across the USA and online
- Reports monthly to all three major credit bureaus
- $300 credit limit (subject to available credit)
- Checking account required
- Don’t need perfect credit to apply
Intro APR on Purchases
See website for Details*
Intro APR on Balance Transfers
See website for Details*
Ongoing APR
34.99%
Annual Fee
$75.00 for first year. After that, $48.00 annually.
Fair / Bad Credit
- Choose which account management options are right for you.
- Build credit with First PREMIER**
- Fill out an application and know in 60 seconds if you’re approved!
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Issuer Website
Annual Fee
See Issuer Website
- Borrow From $100 to $40,000
- Fast Decision - Within 2 Minutes
- All Credit Types Welcome
Checking Account Required
Yes
Maximum Loan Amount
$40,000
Minimum Loan Amount
$100
Employment Required
Yes
- TapnLoan provides fast access to personal loans. Borrow up to $15,000
- All Credit Types Welcome
- Money as Soon as Tomorrow
- Build Your Credit
Checking Account Required
Yes
Maximum Loan Amount
$15,000
Minimum Loan Amount
$100
Employment Required
No
- A Better Personal Money Solution To Get Funds, Fast, Anywhere!
- You can receive funding up to $35,000
- All Credit Types Accepted
Checking Account Required
Yes
Maximum Loan Amount
$35,000
Minimum Loan Amount
$100
Employment Required
Yes
- 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
$2,500
Minimum Loan Amount
$100
Employment Required
Yes
- Need Cash? Get up to $35,000
- Installment loans for you!
- Personal Loans Online - All Credit Types Considered
- Connect with a Lender who understands your Financial needs!
- See cash in your account as soon as the next business day
Checking Account Required
Yes
Maximum Loan Amount
$35,000
Minimum Loan Amount
$100
Employment Required
Yes
- Simple and transparent
- Fast and easy application process
- 24/7 payments through a best-in-class online portal
- Stronger credit with responsible use
- If you're looking to access your funds quickly, stretch your money further and build a stronger financial foundation for your life, Avant Mastercard® is the perfect card option for you.
- Checking to see if you qualify does not impact your current credit score and the application process is fast and easy.
- Credit Rebuilding: Avant Credit Card is designed to help you rebuild your credit with responsible use
- Borrowing Sensibly: You like to be in control and you hate surprises. With our card, you get access to credit at a fair price
- Establishing New Credit: A stellar credit score doesn’t happen overnight. Avant Credit Card is a simple, affordable step to building a solid credit history
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
24.99% (Variable)
Annual Fee
$59
- 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*
- $100 signup bonus! Apply using promo code JASPER100 to receive a $100 statement credit within 60 days of first eligible transaction, if approved. Terms apply.
- Up to 6% cash back by referring friends!
- Start with 1% and get an extra 1% for a full year for every friend you bring on board
- Cash back not limited to certain categories, earn on almost all everyday purchases
- No annual fee, no security deposit, no foreign transaction fees
- Simple, intuitive app to manage your account
- Unique auto payment options that help you build and maintain your credit score
- Receive cash back automatically every month as a statement credit after three on time payments
- Earn cash back as long as your account is in good standing
- Your cash back maximum varies based on your credit limit
- See Jasper's terms and fees
- Issued by WebBank, Member FDIC
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
15.49%-24.99% (Variable)
Annual Fee
$0
- All credit types welcome to apply!
- Free access to your Vantage 3.0 score From TransUnion* (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
24.99% - 29.99% (Variable)
Annual Fee
See website for Details*
- No hidden fees.
- Fee-free Overdraft up to $200 with SpotMe*
- Grow your savings automatically with our Savings Account
- Set up Direct Deposit and receive your paycheck up to 2 days earlier than some of your co-workers!
Guaranteed Approval
No
Instant Response
No
Credit Check
No
Activation Fee
No
- 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
- 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)
- 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
24.99% - 29.99% (Variable)
Annual Fee
See Terms
- Fast approval in as little as 2 minutes
- Your money directly deposited into your account
- Safe and Secure
- Flexible Payments
- All Credit Types
Checking Account Required
Yes
Maximum Loan Amount
$1,000
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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