Credit Cards For Fair Credit
Consumers with fair credit are usually more qualified for credit cards, which may make getting approved for an account easier. Only you can build a good credit history. Make your payments on time each month, and keep your balance low relative to the credit limit, for positive marks on your credit report each month. Below you will find our most popular credit card offers for people with fair credit:
First PREMIER® Bank Mastercard® Credit Card
First PREMIER® Bank Mastercard® Credit Card
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Bad/Fair Credit
- YOU CAN DO MORE THAN JUST GET BY - Since 1989, First PREMIER Bank has worked to help individuals and families with less-than-perfect credit obtain the credit they need to improve their financial health.*
- Access to available credit when you need it
- Build credit - Manageable credit limit, manageable payment, meant to fit your budget (build credit by keeping your balance low and paying on time every month)
- Enjoy peace of mind with free identity theft resolution services (subject to Mastercard guidelines)
- Fast, easy & secure online applications
- Credit 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 First PREMIER® Bank product.
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Bad/Fair Credit
Bad/Fair
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Upgrade Card
Upgrade Card
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Fair/Good/Excellent Credit
Intro APR for Balance Transfer
N/A
Regular APR
6.99% - 29.99%
Annual fee
$0
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Fair/Good/Excellent Credit
Benefits & Key features
- Combine the flexibility of a card with the low cost and predictability of a loan
- $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
- No touch payments with contactless technology built in
- See if you qualify in minutes without hurting your credit score
- Access to a virtual card while you wait for your card to arrive in the mail
- 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
Fair/Good/Excellent
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
6.99% - 29.99%
Annual Fee
$0
First Digital NextGen Mastercard® Credit Card
First Digital NextGen Mastercard® Credit Card
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Fair/Limited Credit
Intro APR for Balance Transfer
N/A
Regular APR
See Terms*
Annual fee
See Terms*
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Fair/Limited Credit
Benefits & Key features
- 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
Fair/Limited
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Reflex Mastercard® Credit Card
Reflex Mastercard® Credit Card
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Bad/Fair Credit
Intro APR for Balance Transfer
N/A
Regular APR
See Terms*
Annual fee
See Terms*
Apply Now
Bad/Fair Credit
Benefits & Key features
- 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)
- 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
- $0 fraud liability for unauthorized charges
Bad/Fair
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Surge Mastercard® Credit Card
Surge Mastercard® Credit Card
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Bad/Poor Credit
Intro APR for Balance Transfer
N/A
Regular APR
See Terms*
Annual fee
See Terms*
Apply Now
Bad/Poor Credit
Benefits & Key features
- 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)
- 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
Bad/Poor
Credit Needed
Intro APR
(Purchases)
(Purchases)
N/A
Intro APR
(Balance Transfer)
(Balance Transfer)
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Loans Under 36%
Benefits & Key features
- Loans up to $35,000
- Suitable for those with all credit ranges
- APR varies from 4.99% up based on customer information
- Great for consolidating debt
- No obligation fee
- Decision within minutes
Benefits & Key features
- Loans up to $35,000
- Suitable for those with all credit ranges
- APR varies from 4.99% up based on customer information
- Great for consolidating debt
- No obligation fee
- Decision within minutes