Good Cards For Fair Credit Scores

We suggest offers based on money we make from our partners.

These offers are no longer available on our site: ABOC Platinum Rewards Mastercard®, Mission Lane No Annual Fee Visa® Credit Card

Intro Purchase APR

N/A

Regular Purchase APR

24.90%

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

N/A

Annual Fee

$75 the first year; $99 thereafter

Rewards

None

Balance Transfer Fee

N/A

Min Credit Needed

FAIR

Return Payment Fee

Up to $40

Foreign Transaction Fee

1%

Penalty APR

29.90%

Late Fee

Up to $40

Cash Advance Fee

See Terms*

Cash Advance APR

29.90%

Card Information

Great for access to unsecured credit

Card Details

  • Bad credit history? Milestone Mastercard could be for you. With reporting to all three credit bureaus, you can get credit for all of your hard work
  • No upfront security deposit required so you can keep more money in your pocket. Plus, gain access to a manageable credit limit with every card
  • $0 liability for unauthorized use
  • Get a Mastercard accepted online, in store and in app
  • Simple application process with a quick decision

Card Details

  • Bad credit history? Milestone Mastercard could be for you. With reporting to all three credit bureaus, you can get credit for all of your hard work
  • No upfront security deposit required so you can keep more money in your pocket. Plus, gain access to a manageable credit limit with every card
  • $0 liability for unauthorized use
  • Get a Mastercard accepted online, in store and in app
  • Simple application process with a quick decision

Intro Purchase APR

N/A

Regular Purchase APR

24.90%

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

N/A

Annual Fee

$75 the first year; $99 thereafter

Min Credit Needed

FAIR

 

Intro Purchase APR

N/A

Regular Purchase APR

35.90%

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

N/A

Annual Fee

$75 the first year; $99 thereafter

Rewards

None

Balance Transfer Fee

N/A

Min Credit Needed

FAIR

Return Payment Fee

Up to $40

Foreign Transaction Fee

1%

Penalty APR

35.90%

Late Fee

Up to $40

Cash Advance Fee

See Terms*

Cash Advance APR

35.90%

Card Information

Great for access to unsecured credit

Card Details

  • Less than perfect credit? Indigo Mastercard is a great choice! Indigo Card reports to all three major credit bureaus and gives you the chance to establish a consistent payment record!
  • Unsecured credit card with no security deposit - keep your cash in your wallet! Plus, affordable monthly payments comes standard on every card
  • Worry free spending with $0 liability for unauthorized charges!
  • Accepted everywhere in the US where you see the Mastercard logo - in store, online, and in app
  • Simple and fast application process - get a response in 60 seconds or less!

Card Details

  • Less than perfect credit? Indigo Mastercard is a great choice! Indigo Card reports to all three major credit bureaus and gives you the chance to establish a consistent payment record!
  • Unsecured credit card with no security deposit - keep your cash in your wallet! Plus, affordable monthly payments comes standard on every card
  • Worry free spending with $0 liability for unauthorized charges!
  • Accepted everywhere in the US where you see the Mastercard logo - in store, online, and in app
  • Simple and fast application process - get a response in 60 seconds or less!

Intro Purchase APR

N/A

Regular Purchase APR

35.90%

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

N/A

Annual Fee

$75 the first year; $99 thereafter

Min Credit Needed

FAIR

 

Intro Purchase APR

N/A

Regular Purchase APR

29.70%* Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

N/A

Annual Fee

$0 - $72

Rewards

None

Balance Transfer Fee

N/A

Min Credit Needed

POOR

Return Payment Fee

Up to $40

Foreign Transaction Fee

See Terms*

Penalty APR

N/A

Late Fee

Up to $40

Cash Advance Fee

4%, Min: $10

Cash Advance APR

34.70%* Variable

Card Information

Great for automatic credit limit increases

Card Details

  • See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
  • Initial Credit Line $300 - $1,500, Doubling to $600 - $3,000
  • Credit limits DOUBLE AUTOMATICALLY after making at least your minimum payment on time for the first 7 months
  • Monthly reporting to all 3 major credit bureaus.
  • Get your updated credit score each month for free.
  • Online and mobile app account management.
  • $0 Fraud Liability that protects you from unauthorized charges
  • Compatible with Google, Samsung and Apple Pay

Card Details

  • See if you are Pre-Qualified in less than 60 seconds without harming your credit score.
  • Initial Credit Line $300 - $1,500, Doubling to $600 - $3,000
  • Credit limits DOUBLE AUTOMATICALLY after making at least your minimum payment on time for the first 7 months
  • Monthly reporting to all 3 major credit bureaus.
  • Get your updated credit score each month for free.
  • Online and mobile app account management.
  • $0 Fraud Liability that protects you from unauthorized charges
  • Compatible with Google, Samsung and Apple Pay

Intro Purchase APR

N/A

Regular Purchase APR

29.70%* Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

N/A

Annual Fee

$0 - $72

Min Credit Needed

POOR

 

Intro Purchase APR

N/A

Regular Purchase APR

35.99%* Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

N/A

Annual Fee

$39

Rewards

None

Balance Transfer Fee

N/A

Min Credit Needed

LIMITED

Return Payment Fee

$0

Foreign Transaction Fee

$0

Penalty APR

N/A

Late Fee

Up to $39

Cash Advance Fee

The greater of $10 or 3% of the amount of the cash advance.

Cash Advance APR

35.99%* Variable

Card Information

Great for building a credit history

Card Details

  • Fast and easy application process
  • We may periodically review your account for credit line increases
  • May Help strengthen your credit history with responsible use
  • No hidden fees
  • $0 Foreign Transaction Fees
  • Use online banking to conveniently pay your card through our online portal, 24/7
  • Zero fraud liability for unauthorized charges (https://www.mastercard.us/en-us/personal/get-support/zero-liability-terms-conditions.html)
  • Avant branded credit products are issued by WebBank
  • Disclosure: If you are charged interest, the charge will be no less than $1.00.
  • Cash Advance Fee: The greater of $10 or 3% of the amount of the cash advance
  • Late Fee up to $39

Card Details

  • Fast and easy application process
  • We may periodically review your account for credit line increases
  • May Help strengthen your credit history with responsible use
  • No hidden fees
  • $0 Foreign Transaction Fees
  • Use online banking to conveniently pay your card through our online portal, 24/7
  • Zero fraud liability for unauthorized charges (https://www.mastercard.us/en-us/personal/get-support/zero-liability-terms-conditions.html)
  • Avant branded credit products are issued by WebBank
  • Disclosure: If you are charged interest, the charge will be no less than $1.00.
  • Cash Advance Fee: The greater of $10 or 3% of the amount of the cash advance
  • Late Fee up to $39

Intro Purchase APR

N/A

Regular Purchase APR

35.99%* Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

N/A

Annual Fee

$39

Min Credit Needed

LIMITED

 

Intro Purchase APR

N/A

Regular Purchase APR

12.15% - 26.15% Variable

Intro Balance Transfer APR

0% intro APR for 15 months on balance transfers.

Regular Balance Transfer APR

12.15% - 26.15% Variable

Annual Fee

$0

Rewards

None

Balance Transfer Fee

5% of the amount of each Balance Transfer.

Min Credit Needed

FAIR

Return Payment Fee

Up to $35

Foreign Transaction Fee

None

Penalty APR

None

Late Fee

Up to $35

Cash Advance Fee

5% of the amount of each Cash Advance. Fee waived when transferring funds electronically to a USAA Bank deposit account.

Cash Advance APR

12.15% - 26.15% Variable

Card Information

Great for transferring a balance

Card Details

  • Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 12.15% to 26.15% will apply to introductory balances.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
  • Take advantage of USAA's lower interest rate card, whether you’re making a purchase or transferring a balance.
  • Pay less in interest if you carry a balance from month to month.
  • Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances.
  • No annual fee.
  • No foreign transaction fees.
  • See Rates and Fees for details.
  • Rates and Fees

Card Details

  • Must be a USAA member, or become a member, to apply. USAA proudly offers membership to current and former military, as well as their spouses and dependents.
  • Intro Offer: Get a 0% intro APR for 15 months on balance transfers and convenience checks that post within 90 days of account opening. After this time, the variable regular APR of 12.15% to 26.15% will apply to introductory balances.
  • A fee of 5% of the amount of each balance transfer, cash advance and convenience check applies.
  • Take advantage of USAA's lower interest rate card, whether you’re making a purchase or transferring a balance.
  • Pay less in interest if you carry a balance from month to month.
  • Enjoy the same low variable regular APR on purchases, balance transfers, and cash advances.
  • No annual fee.
  • No foreign transaction fees.
  • See Rates and Fees for details.
  • Rates and Fees

Intro Purchase APR

N/A

Regular Purchase APR

12.15% - 26.15% Variable

Intro Balance Transfer APR

0% intro APR for 15 months on balance transfers.

Regular Balance Transfer APR

12.15% - 26.15% Variable

Annual Fee

$0

Min Credit Needed

FAIR

 

N/A

 

Intro Purchase APR

N/A

Regular Purchase APR

14.99% - 29.99%

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

14.99% - 29.99%

Annual Fee

$0

Rewards

None
Cash Back

Balance Transfer Fee

Up to 5%

Min Credit Needed

FAIR

Return Payment Fee

$0

Foreign Transaction Fee

Up to 3%

Penalty APR

N/A

Late Fee

$0

Cash Advance Fee

N/A

Cash Advance APR

N/A

Card Information

Great for predictable payments

Card Details

  • Earn a $400 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • No annual fee
  • Combine the flexibility of a card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

Card Details

  • Earn a $400 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • No annual fee
  • Combine the flexibility of a card with the predictability of a personal loan
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Great for large purchases with predictable payments you can budget for
  • Mobile app to access your account anytime, anywhere
  • Enjoy peace of mind with $0 Fraud liability

Intro Purchase APR

N/A

Regular Purchase APR

14.99% - 29.99%

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

14.99% - 29.99%

Annual Fee

$0

Min Credit Needed

FAIR

 

Intro Purchase APR

N/A

Regular Purchase APR

29.99%* Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

29.99%* Variable

Annual Fee

$0

Rewards

None
Cash Back

Balance Transfer Fee

4%, Min: $5

Min Credit Needed

FAIR

Return Payment Fee

Up to $41

Foreign Transaction Fee

3%

Penalty APR

N/A

Late Fee

Up to $41

Cash Advance Fee

5%, Min: $10

Cash Advance APR

29.99%* Variable

Card Information

Great for no annual fee with rewards

Card Details

  • Earn Unlimited 1% Cash Back Rewards on all qualifying Purchases!**
  • $0 Annual Fee / $0 Security Deposit / $0 Processing Fee
  • Credit Response in as little as 60 seconds
  • $0 Fraud Liability. Peace of mind if your card is ever lost or stolen
  • 24/7 online access to your account or with the Mercury oculus app.
  • Contactless Cards give you the security of a chip card with the convenience of a tap.
  • Free access to your credit score.
  • Reports to 4 credit bureaus, which can help build your credit with responsible use
  • Offer subject to application, adequate income, and to credit and identity verification. A portion of the total credit line will be available for cash advances, which will be displayed on your billing statement. This offer is not guaranteed and is not transferable. This offer may not be available if you already have or applied for a credit card managed by Mercury® Financial.
  • Mercury® Rewards Visa® Card: You will earn 1 point for each $1.00 of qualifying Purchases made less returns. Once you earn 1,000 points you can redeem for cash back reward options or at Amazon.com by enrolling in the Shop with Points program. See Terms within Rates and Fees link for details.
  • Please note, there is a $2 monthly fee for a mailed paper statement. You can avoid this fee by enrolling in paperless statements.
  • This card is issued by First Bank & Trust, Brookings, SD pursuant to a license by Visa USA Incorporated, and managed by Mercury Financial. VISA is a registered trademark of Visa International Service Association and used under license.
  • Terms and Conditions, Rates, Fees, and Other Cost Information

Card Details

  • Earn Unlimited 1% Cash Back Rewards on all qualifying Purchases!**
  • $0 Annual Fee / $0 Security Deposit / $0 Processing Fee
  • Credit Response in as little as 60 seconds
  • $0 Fraud Liability. Peace of mind if your card is ever lost or stolen
  • 24/7 online access to your account or with the Mercury oculus app.
  • Contactless Cards give you the security of a chip card with the convenience of a tap.
  • Free access to your credit score.
  • Reports to 4 credit bureaus, which can help build your credit with responsible use
  • Offer subject to application, adequate income, and to credit and identity verification. A portion of the total credit line will be available for cash advances, which will be displayed on your billing statement. This offer is not guaranteed and is not transferable. This offer may not be available if you already have or applied for a credit card managed by Mercury® Financial.
  • Mercury® Rewards Visa® Card: You will earn 1 point for each $1.00 of qualifying Purchases made less returns. Once you earn 1,000 points you can redeem for cash back reward options or at Amazon.com by enrolling in the Shop with Points program. See Terms within Rates and Fees link for details.
  • Please note, there is a $2 monthly fee for a mailed paper statement. You can avoid this fee by enrolling in paperless statements.
  • This card is issued by First Bank & Trust, Brookings, SD pursuant to a license by Visa USA Incorporated, and managed by Mercury Financial. VISA is a registered trademark of Visa International Service Association and used under license.
  • Terms and Conditions, Rates, Fees, and Other Cost Information

Intro Purchase APR

N/A

Regular Purchase APR

29.99%* Variable

Intro Balance Transfer APR

N/A

Regular Balance Transfer APR

29.99%* Variable

Annual Fee

$0

Min Credit Needed

FAIR

 

N/A