Credit Cards for Fair Credit

Find top rated credit cards from MasterCard for people with fair credit. Compare credit cards, view offers and apply online for the card that is the best fit for you.

Capital One® Platinum Credit Card

  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/A24.99% (Variable)$0Average, Fair, Limited

Capital One® Platinum Credit Card

Credit Needed
Average, Fair, Limited
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
Purchases
Intro APR
N/A
Regular
APR
24.99% (Variable)
Annual
Fee
$0

First PREMIER® Bank MasterCard® Credit Card

  • Have a checking account? Apply today!
  • A credit card offer for those currently building credit history
  • All credit types welcome to apply!
  • Quarterly FICO score on your monthly billing statement
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals
  • Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report.
  • The next First PREMIER Bank credit card customer could be you!
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/ASee Issuer WebsiteSee Issuer WebsiteFair/Bad Credit

First PREMIER® Bank MasterCard® Credit Card

Credit Needed
Fair/Bad Credit
  • Have a checking account? Apply today!
  • A credit card offer for those currently building credit history
  • All credit types welcome to apply!
  • Quarterly FICO score on your monthly billing statement
  • Chip card technology, so paying for your purchases is more secure at chip-card terminals
  • Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report.
  • The next First PREMIER Bank credit card customer could be you!
Purchases
Intro APR
N/A
Regular
APR
See Issuer Website
Annual
Fee
See Issuer Website

Milestone® Gold MasterCard®

  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
  • Free online account access
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/A23.90%$35-$99 (varies by credit level)Good/Fair

Milestone® Gold MasterCard®

Credit Needed
Good/Fair
  • Quick pre-qualification available with no impact to your credit score
  • Easy pre-qualification process with fast response
  • Choose your custom card design - Free
  • Free online account access
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
  • Previous bankruptcy OK
Purchases
Intro APR
N/A
Regular
APR
23.90%
Annual
Fee
$35-$99 (varies by credit level)

First PREMIER® Bank Classic Credit Card

  • Checking Account Required
  • We may approve those currently building their credit history
  • A credit card offer for those currently building credit history
  • A manageable credit limit can help you stay in control.
  • Monitor your account and make payments online
  • Track your progress. Your quarterly FICO Score is provided for free on your monthly billing statement.
  • Zero fraud liability protects you from unauthorized charges. Restrictions apply.
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/ASee Issuer WebsiteSee Issuer WebsiteFair/Bad Credit

First PREMIER® Bank Classic Credit Card

Credit Needed
Fair/Bad Credit
  • Checking Account Required
  • We may approve those currently building their credit history
  • A credit card offer for those currently building credit history
  • A manageable credit limit can help you stay in control.
  • Monitor your account and make payments online
  • Track your progress. Your quarterly FICO Score is provided for free on your monthly billing statement.
  • Zero fraud liability protects you from unauthorized charges. Restrictions apply.
Purchases
Intro APR
N/A
Regular
APR
See Issuer Website
Annual
Fee
See Issuer Website

Indigo® Platinum MasterCard®

  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/A23.90%$0 - $99Fair Credit

Indigo® Platinum MasterCard®

Credit Needed
Fair Credit
  • Pre-qualification available with no impact to your credit score
  • Previous bankruptcy OK
  • Easy pre-qualification process with fast response
  • Free online account access (mobile friendly)
  • Protection from fraud, if your card happens to be lost or stolen
  • Accepted at over 35 Million Locations Worldwide!
Purchases
Intro APR
N/A
Regular
APR
23.90%
Annual
Fee
$0 - $99

PREMIER Forward® MasterCard® Credit Card

  • Must have checking account to qualify
  • A good choice for those with less than perfect credit.
  • Credit card response in 60 seconds or less
  • Monitor your account and make payments online
  • Zero fraud liability protects you from unauthorized charges. Restrictions apply.
  • Featuring Chip Technology, protecting you if your card is used without your permission
  • Track your progress. Your quarterly FICO Score is provided for free on your monthly billing statement.
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/ASee Issuer WebsiteSee Issuer WebsiteFair/Bad Credit

PREMIER Forward® MasterCard® Credit Card

Credit Needed
Fair/Bad Credit
  • Must have checking account to qualify
  • A good choice for those with less than perfect credit.
  • Credit card response in 60 seconds or less
  • Monitor your account and make payments online
  • Zero fraud liability protects you from unauthorized charges. Restrictions apply.
  • Featuring Chip Technology, protecting you if your card is used without your permission
  • Track your progress. Your quarterly FICO Score is provided for free on your monthly billing statement.
Purchases
Intro APR
N/A
Regular
APR
See Issuer Website
Annual
Fee
See Issuer Website

Indigo® MasterCard®

  • Account history is reported to the three major credit bureaus in the U.S.
  • An opportunity to build and access credit
  • Choose your custom card design - Free
  • Unsecured credit card, no security deposit required
  • Quick pre-qualification available with no impact to your credit score
  • Online servicing available 24/7 at no additional cost
  • Mobile account access at any time
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/A23.90% (Fixed)$0 - $99Fair Credit

Indigo® MasterCard®

Credit Needed
Fair Credit
  • Account history is reported to the three major credit bureaus in the U.S.
  • An opportunity to build and access credit
  • Choose your custom card design - Free
  • Unsecured credit card, no security deposit required
  • Quick pre-qualification available with no impact to your credit score
  • Online servicing available 24/7 at no additional cost
  • Mobile account access at any time
Purchases
Intro APR
N/A
Regular
APR
23.90% (Fixed)
Annual
Fee
$0 - $99

Surge Mastercard® Credit Card

  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard┬« is accepted
  • Free online account access 24/7
  • Checking Account Required
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/ASee Terms*See Terms*Bad Credit

Surge Mastercard® Credit Card

Credit Needed
Bad Credit
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $500.00!* (subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere that Mastercard┬« is accepted
  • Free online account access 24/7
  • Checking Account Required
Purchases
Intro APR
N/A
Regular
APR
See Terms*
Annual
Fee
See Terms*

SelfScore® Achieve for International Students

  • No SSN or deposit required
  • Helps build U.S. credit history
  • 0% intro APR for 6 Months and then 19.49% variable APR thereafter
  • No annual fee. No fee on first late payment.
  • No foreign transaction fees
  • Includes Mastercard Platinum Benefits like Purchase Assurance, Travel Assistance, Extended Warranty and Car Rental Collision Damage Waiver
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
0% APR for first 6 months (19.49% variable APR thereafter)N/A19.74 (Variable)$0No credit needed

SelfScore® Achieve for International Students

Credit Needed
No credit needed
  • No SSN or deposit required
  • Helps build U.S. credit history
  • 0% intro APR for 6 Months and then 19.49% variable APR thereafter
  • No annual fee. No fee on first late payment.
  • No foreign transaction fees
  • Includes Mastercard Platinum Benefits like Purchase Assurance, Travel Assistance, Extended Warranty and Car Rental Collision Damage Waiver
Purchases
Intro APR
0% APR for first 6 months (19.49% variable APR thereafter)
Regular
APR
19.74 (Variable)
Annual
Fee
$0

Charity Charge World MasterCard® Credit Card

  • Unlimited 1% cash back rewards in the form of an automatic donation to any nonprofit, K-12 school, university, or religious organization of your choice.
  • No Annual Fee.
  • Rewards are tax-deductible.
  • One time bonus donation of $10 to your chosen nonprofit after your first purchase.
  • Ability to support up to three nonprofits at once. You can change the nonprofits you support at any time through your online donation dashboard.
  • Low APR between Prime + 6.99%-16.99% dependent on creditworthiness. Balance transfer fee of either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
  • Receive all the benefits of a World MasterCard such as: extended warranty, MasterCard global service, concierge services, ID theft protection, price guarantee, and many more exclusive services.
  • Chip and Apple Pay enabled.
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
1.99% for 6 monthly billing cycles1.99% for 6 monthly billing cycles10.74%-20.74% (Variable)$0Good/Excellent

Charity Charge World MasterCard® Credit Card

Credit Needed
Good/Excellent
  • Unlimited 1% cash back rewards in the form of an automatic donation to any nonprofit, K-12 school, university, or religious organization of your choice.
  • No Annual Fee.
  • Rewards are tax-deductible.
  • One time bonus donation of $10 to your chosen nonprofit after your first purchase.
  • Ability to support up to three nonprofits at once. You can change the nonprofits you support at any time through your online donation dashboard.
  • Low APR between Prime + 6.99%-16.99% dependent on creditworthiness. Balance transfer fee of either $10 or 5% of the amount of each Balance Transfer, whichever is greater.
  • Receive all the benefits of a World MasterCard such as: extended warranty, MasterCard global service, concierge services, ID theft protection, price guarantee, and many more exclusive services.
  • Chip and Apple Pay enabled.
Purchases
Intro APR
1.99% for 6 monthly billing cycles
Regular
APR
10.74%-20.74% (Variable)
Annual
Fee
$0

Indigo® Unsecured MasterCard®

  • No security deposit required
  • Card designs to fit your personality at no extra charge
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Account history is reported to the three major credit bureaus in the U.S.
  • Pre-qualify for a card today and it will not impact your credit score
  • Accepted nationwide wherever MasterCard is accepted
  • Fast and easy decision on your application
  • Protection from fraud, if your card happens to be lost or stolen
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/A23.90% (Fixed)$0 - $99Fair Credit

Indigo® Unsecured MasterCard®

Credit Needed
Fair Credit
  • No security deposit required
  • Card designs to fit your personality at no extra charge
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Account history is reported to the three major credit bureaus in the U.S.
  • Pre-qualify for a card today and it will not impact your credit score
  • Accepted nationwide wherever MasterCard is accepted
  • Fast and easy decision on your application
  • Protection from fraud, if your card happens to be lost or stolen
Purchases
Intro APR
N/A
Regular
APR
23.90% (Fixed)
Annual
Fee
$0 - $99

VERVE Mastercard® Credit Card

  • Initial Credit Limit of $500.00* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • All credit types welcome to apply!
  • Fast and easy application process; results are provided online
  • Use your card at locations everywhere that Mastercard is accepted
  • Free online account access 24/7
  • Checking account required
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
N/AN/ASee TermsSee TermsBad Credit

VERVE Mastercard® Credit Card

Credit Needed
Bad Credit
  • Initial Credit Limit of $500.00* (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • All credit types welcome to apply!
  • Fast and easy application process; results are provided online
  • Use your card at locations everywhere that Mastercard is accepted
  • Free online account access 24/7
  • Checking account required
Purchases
Intro APR
N/A
Regular
APR
See Terms
Annual
Fee
See Terms

Standard

  • Earn 1 BancorpSouth point per dollar spent.
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
0% for 6 monthsN/A0% introductory APR for 6 months from the date of account opening. After that, your APR will be 10.9% to 16.9%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.No Annual Fee.Good

Standard

Credit Needed
Good
  • Earn 1 BancorpSouth point per dollar spent.
Purchases
Intro APR
0% for 6 months
Regular
APR
0% introductory APR for 6 months from the date of account opening. After that, your APR will be 10.9% to 16.9%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Annual
Fee
No Annual Fee.

Gold

  • Earn 1 BancorpSouth point per dollar spent.
Purchases Intro APR Balance Transfers Intro APR Regular APR Annual Fee Credit Needed
0% for 6 monthsN/A0% introductory APR for 6 months from the date of account opening. After that, your APR will be 10.9% to 16.9%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.No Annual Fee.Good

Gold

Credit Needed
Good
  • Earn 1 BancorpSouth point per dollar spent.
Purchases
Intro APR
0% for 6 months
Regular
APR
0% introductory APR for 6 months from the date of account opening. After that, your APR will be 10.9% to 16.9%, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Annual
Fee
No Annual Fee.