Credit Cards for Fair Credit

Capital One Platinum Credit Card

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No annual or hidden fees. See if you’re approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It’s free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One’s mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set
Pay by check, online or at a local branch, all with no fee – and pick the monthly due date that works best for you

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 29.74% (Variable)
Annual fee: $0
Credit needed: Average, Fair, Limited

Fortiva® Cash Back Rewards Mastercard

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Earn Cash Back Rewards on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
Earn Up to 3% Cash Back Rewards on All Eligible Purchases
Earn 1% Cash Back Rewards on All Other Eligible Purchases
Up to $1,000 Credit Limit Subject to Credit Approval
No Security Deposit
Prequalify Without Affecting your Credit Score
Use Anywhere Mastercard is Accepted
See If You Prequalify Instantly or Instant Decision When You Apply
Free Access to your Credit Score
$0 Fraud Liability

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 36% Fixed
Annual fee: $85-$175 first year, $229 thereafter
Credit needed: Fair/Poor

PREMIER Bankcard® Mastercard® Credit Card

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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.
When you need assistance our award-winning US-based Customer Service agents are there to help.
Credit Limit Increase Eligible after 12 months of consistent responsible account management.
We report monthly to the Consumer Reporting Agencies to help you build your credit.

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: See Provider Website
Annual fee: See Provider Website
Credit needed: Fair/Poor

Aspire® Cash Back Rewards Mastercard

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Earn Cash Back Rewards on All Eligible Purchases – 3% on Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
Earn Up to 3% Cash Back Rewards on All Eligible Purchases
Earn 1% Cash Back Rewards on All Other Eligible Purchases
Up to $1,000 Credit Limit Subject to Credit Approval
No Security Deposit
Prequalify Without Affecting your Credit Score
Use Anywhere Mastercard is Accepted
See If You Prequalify Instantly or Instant Decision When You Apply
Free Access to your Credit Score
$0 Fraud Liability

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 36% Fixed
Annual fee: $85-$175 first year, $229 thereafter
Credit needed: Fair/Poor

Capital One Savor Student Cash Rewards Credit Card

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Earn unlimited 3% cash back at grocery stores (excluding superstores like Walmart® and Target®), on dining, entertainment and popular streaming services, plus 1% on all other purchases
Early Spend Bonus: Earn $50 when you spend $100 in the first three months
Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
Enjoy no annual fee, foreign transaction fees, or hidden fees
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
Earn 8% cash back on entertainment purchases when you book through the Capital One Entertainment portal
Build your credit with responsible card use
Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 19.24% – 29.24% (Variable)
Annual fee: $0
Credit needed: Average, Fair, Limited

Destiny Mastercard® – $700 Credit Limit

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Greater access to credit than before – $700 credit limit
Unsecured credit card, no security deposit required
Worry-free Fraud Protection* if your card is lost or stolen
Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
Quick and easy application process with a typical decision in 60 seconds or less
24/7 access to your account, even on mobile!
Reports to all three major credit bureaus

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: See terms*
Annual fee: See terms*
Credit needed: Poor/Fair

Capital One Quicksilver Student Cash Rewards Credit Card

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Earn unlimited 1.5% cash back on every purchase, every day
Early Spend Bonus: Earn $50 when you spend $100 in the first three months
Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
Enjoy no annual fee, foreign transaction fees, or hidden fees
Lock your card in the Capital One Mobile app if it’s misplaced, lost or stolen
Earn up to $500 a year by referring friends and family when they’re approved for a Capital One credit card
Build your credit with responsible card use
Whether you’re at a 4-year university, community college or other higher education institution, this card might be an option for you

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 19.24% – 29.24% (Variable)
Annual fee: $0
Credit needed: Average, Fair, Limited

Milestone® Mastercard® – $1,000 Credit Limit

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Guaranteed $1,000 credit limit if approved.
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Don’t Have Perfect Credit? No Problem!
Join over a million consumers who are working on building their access to credit.
Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
Get the credit you deserve, even with less-than-perfect history.
No security deposit, and a path to better credit.

Purchases intro APR: N/A
Balance transfer intro APR: See Terms
Regular APR: 35.90%
Annual fee: $250 the first year; $99 thereafter
Credit needed: Fair

PREMIER Bankcard® Grey Credit Card

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Pre-qualify with no impact to your credit score
Helping people build credit is our first priority – start your credit-building journey today.
Start building credit by keeping your balance low and paying all your bills on time each month.
We report monthly to the Consumer Reporting Agencies to help you build your credit.
Award-winning, U.S.-based customer service

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: See Provider Website
Annual fee: See Provider Website
Credit needed: Fair/Poor Credit

Capital One QuicksilverOne Cash Rewards Credit Card

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Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or limits to how much you can earn, and cash back doesn’t expire for the life of the account. It’s that simple
Be automatically considered for a higher credit line in as little as 6 months
Enjoy peace of mind with $0 Fraud Liability so that you won’t be responsible for unauthorized charges
Help strengthen your credit for the future with responsible card use
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you’ll get Capital One’s best prices on thousands of trip options. Terms apply
Monitor your credit score with CreditWise from Capital One. It’s free for everyone
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you’re all set

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 29.74% (Variable)
Annual fee: $39
Credit needed: Average, Fair, Limited

OneMain Financial BrightWay® Card

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See if you’re pre-approved with no impact to your credit score
Qualify for rewards like a credit limit increase (subject to credit approval) or APR decrease in as little as six months
Building your credit? We report to the major credit bureaus and good payment habits can pay off
Earn unlimited 1% cash back on purchases
Continue to earn rewards each time you make 6 consecutive on-time payments
You won’t be responsible for unauthorized charges with zero fraud liability
Experience the protection and global coverage of Mastercard®
BrightWay cards are issued by WebBank

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 35.99%
Annual fee: $0-$89
Credit needed: Poor/Fair

PREMIER Bankcard® Mastercard® Credit Card

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Pre-qualify with no impact to your credit score.
Don’t let a low credit score stop you from pre-qualifying – we’ve helped millions build credit, now it’s your turn.
Start building credit by keeping your balance low and paying all your bills on time each month.
Our mobile app helps you keep track of your spending and payments for greater financial control.
When you need assistance our award-winning US-based Customer Service agents are there to help.

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: See Provider Website
Annual fee: See Provider Website
Credit needed: Fair/Bad Credit

PayPal Cashback Mastercard®

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Earn 3% cash back* on PayPal purchases and 1.5% on all other purchases.
With the PayPal Cashback Mastercard®, earn unlimited cash back at millions of merchants.
No restrictions. No rotating categories. No annual fee**.
Shop at millions of brands with PayPal to earn unlimited 3% cash back.
Earn rewards without the wait. Cash back is earned daily on completed purchases posted to your account. Redeem it to your PayPal balance and spend it however you want***
Enjoy peace of mind with Mastercard benefits from Tap & Go® to 24/7 Identity Theft Protection™
*Purchases are subject to credit approval, and the PayPal Cashback Mastercard must be used for payment. See Rewards Program Terms for details and eligibility criteria.
**see Terms and Rates for New Accounts.
***Important information on redeeming Cash Rewards: You need to have a PayPal Balance account to use your redeemed rewards in your balance. If you do not have that account, you can only transfer your Cash Rewards to your bank account or debit card linked to your account with PayPal
The PayPal Cashback Mastercard is issued by Synchrony Bank pursuant to a license by Mastercard International Incorporated. Mastercard, Tap & Go and the circles design are registered trademarks of Mastercard International Incorporated.
Penalty APR is 34.99%. Rate accurate as of March 1, 2025.

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: Variable purchase APRs are 19.24%, 30.99%, or 33.99%. The APRs are accurate as of March 1 , 2025.
Annual fee: $0
Credit needed: Excellent/Good/Fair Credit

FIT™ Platinum Mastercard®

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$400 Initial Credit Limit
Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 35.90% Fixed
Annual fee: $99 introductory fee for the first year, then $125 thereafter
Credit needed: Fair/Poor/Bad

Reflex® Platinum Mastercard®

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Up to $1,000 Initial Credit Limit
See if you Pre-Qualify with No Impact to your Credit Score
Less than perfect credit? We understand. The Reflex Mastercard is ideal for people looking to rebuild their credit.
Unsecured credit card requires No Security Deposit
Perfect card for everyday purchases and unexpected expenses
Monthly reporting to the three major credit bureaus
Access to your Vantage 3.0 Score from Experian (when you sign up for e-statements)
Use your card everywhere Mastercard is accepted at millions of locations
Enjoy peace of mind with Mastercard Zero Liability Protection for unauthorized purchases (subject to Mastercard guidelines)

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 35.90% Fixed
Annual fee: $75 – $125
Credit needed: Fair/Poor/Bad/Limited

Prosper® Card

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No security deposit required
No annual fee for the first year with AutoPay. The annual fee for this credit card is $59, which will be waived for your first year if you are approved and sign up for AutoPay before we issue your first statement.
We don’t charge fees for ATM cash withdrawals. Third party fees may apply.
Initial credit limit up to $3,000
We regularly report on your credit card performance to help you establish credit history
Zero fraud liability (which offers protection against unauthorized purchases)
While you wait for your Prosper® Card to ship, use a portion of your credit line instantly through Digital Wallet, MyProsperCard App, or Prosper.com
Choose a monthly payment date that works for you
Free mobile app—MyProsperCard
Issued by Coastal Community Bank, Member FDIC pursuant to a license by Mastercard® International

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 23.24%-34.74% Variable
Annual fee: $59 (waived for the first year if you sign up for autopay before your first statement)
Credit needed: Fair to Good

Firstcard® Secured Credit Builder Card with Cashback

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You’re pre-approved! Build credit faster, cheaper, and safer
No credit checks and no credit history are required to open a credit card
Accepts immigrants and internationals without an SSN – apply with a passport and visa.
0% APR. Don’t worry about overspending. What you deposit is what you can spend.
No account minimum, no interest, and no overdraft fee
Get up to 15% Merchant Cashback at 29,000 partner merchants
Get up to 10% Random Cashback on all qualifying transactions
Earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings (Merchant Cashback and Random Cashback)
Monitor your credit score right in the app
Get an in-depth monthly credit report with Firstcard+ and Firstcard Premium
Instant access to your virtual card once your account is approved and you add your virtual card to your phone’s digital wallet
Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government)
Reports to all three main credit bureaus: Equifax®, Experian®, and TransUnion®
Disclosure; Rates and fees

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 0% APR
Annual fee: N/A
Credit needed: Poor/Limited/No Credit

Avant Credit Card

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No deposit required
Reports to all three major credit bureaus
No penalty APR
No hidden fees
Late Fee up to $39
Returned Payment Fee: Up to $25
We may periodically review your account for credit line increases
Fast and easy application process
Help strengthen your credit history with responsible use
Zero fraud liability for unauthorized charges
Conveniently pay your card through our online portal, 24/7
Get Mastercard® ID Theft Protection by Mastercard
Disclosure: If you are charged interest, the charge will be no less than $1.00. Cash Advance Fee 3%, Min: $10
Checking your eligibility does not affect your credit score
Avant branded credit products are issued by WebBank, member FDIC
See the Provider’s terms for more information

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 35.99%
Annual fee: $59
Credit needed: Fair Credit

Arro Card

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All credit types accepted.
Arro’s soft credit pull does not impact your credit score.
Through in-app personal finance activities, members receive real time credit limit increases and other rewards.
Opportunities to decrease your interest rate.
Use your Arro Card anywhere Mastercard is accepted.
Application takes as little as 5 minutes.

Purchases intro APR: N/A
Balance transfer intro APR: N/A
Regular APR: 16% Variable
Annual fee: $36* (*discounted in Year 1 for starting credit lines under $200)
Credit needed: All Credit Types Accepted

Need help? We’re always here when you need us

Credit Cards for Fair Credit

Capital One Platinum Credit Card

Fortiva® Cash Back Rewards Mastercard

PREMIER Bankcard® Mastercard® Credit Card

Aspire® Cash Back Rewards Mastercard

Capital One Savor Student Cash Rewards Credit Card

Destiny Mastercard® – $700 Credit Limit

Capital One Quicksilver Student Cash Rewards Credit Card

Milestone® Mastercard® – $1,000 Credit Limit

PREMIER Bankcard® Grey Credit Card

Capital One QuicksilverOne Cash Rewards Credit Card

OneMain Financial BrightWay® Card

PREMIER Bankcard® Mastercard® Credit Card

PayPal Cashback Mastercard®

FIT™ Platinum Mastercard®

Reflex® Platinum Mastercard®

Prosper® Card

Firstcard® Secured Credit Builder Card with Cashback

Avant Credit Card

Arro Card

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