Advertiser Disclosure

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
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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
300
438
575
712
850+
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
See Issuer Website
Annual Fee
See Issuer Website
Surge Mastercard® Credit Card
Apply Now
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
300
438
575
712
850+
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Reflex Mastercard® Credit Card
Apply Now
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
300
438
575
712
850+
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
See Terms*
Annual Fee
See Terms*
Indigo® Platinum Mastercard®
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Fair/Good Credit
Intro APR for Balance Transfer
N/A
Regular APR
24.90%
fixed
Annual fee
$0 - $99
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Fair/Good Credit

Benefits & Key features

  • Easy pre-qualification process with fast response
  • Don't have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.

Fair/Good

Credit Needed
300
438
575
712
850+
Intro APR
(Purchases)
N/A
Intro APR
(Balance Transfer)
N/A
Regular APR
24.90%
fixed
Annual Fee
$0 - $99