Credit Cards for Fair Credit
Contrary to what has become a somewhat popular belief across the highly competitive market for online credit card offers, the packages and feature rundowns of credit card applications offered to those with fair overall credit can often prove to be a highly competitive and worthwhile selection, for those willing to do a bit of smart research before signing the paperwork.
Below, you'll be able to explore our database of the best overall credit card offers currently being made available for those with fair credit scores - our Fair Credit credit card applications include a versatile selection of credit card offers that can very often rival the perks and rewards programs of card applications offered to those with good credit, while still maintaining the opportunity to build up one's credit. Pay your minimum payment on time each month and keep your balance low relative to your limit will provide your credit report with positive marks on a monthly basis.
Be sure to look into everything that our Fair Credit credit card selection has to offer, and avoid signing the paperwork on any cards that may have higher APR or annual fees than you might prefer to pay.
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PREMIER Bankcard® Mastercard® Credit Card
- 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.
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Average Credit | Consumer | See Terms* | N/A | N/A | See Terms* | None | 4 |
Aspire® Cash Back Reward Card
- Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
- Earn 1% Cash Back Rewards* on all other eligible purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
- No security deposit
- Free access to your VantageScore 4.0 score from TransUnion®†
*See Program Terms for important information about the cash back rewards program.
** Prequalify means that you authorize us to make a soft inquiry (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Above Average Credit, Limited Credit | Consumer | See Terms | N/A | N/A | 29.99% or 36% Fixed | Cash Back | Be the first to write one |
Total Visa® Card
- Earn 1% cash back rewards on payments made to your Total Credit Card
- Checking Account Required
- $300 credit limit (subject to available credit)
- No security deposit, simply pay a one-time $95 program fee to open your account.*
- User friendly Mobile App.
- *See Rates, Fees, Costs & Limitations for complete offer details
- See Total Card Visa Rewards Programs Terms & Conditions for details
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Poor Credit, Limited Credit | Consumer | See Terms* | N/A | N/A | 35.99%* | None | 2 |
Fortiva® Mastercard® Credit Card
- Earn 3% Cash Back Rewards* on Gas, Groceries and Utility Bill Payments
- Earn 1% Cash Back Rewards* on all other eligible purchases
- Good anywhere Mastercard® is accepted
- $0 fraud liability**
- Free access to your VantageScore 4.0 credit score from TransUnion®†
*See Program Terms for important information about the cash back rewards program.
**Fraud liability subject to Mastercard® rules.
† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Average Credit | Consumer | See Terms | N/A | N/A | 29.99% or 36% Fixed | Cash Back | Be the first to write one |
PREMIER Bankcard® Mastercard® Credit Card
- 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.
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Average Credit | Consumer | See Terms* | N/A | N/A | See Terms* | None | 4 |
PREMIER Bankcard® Grey Credit Card
- 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
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Average Credit | Consumer | See Terms* | N/A | N/A | See Terms* | None | 3 |
PREMIER Bankcard® Gold Credit Card
- Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority.
- PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
- Credit limit increase eligible after 12 months of consistent responsible account management.
- We'll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
- Award-winning, U.S.-based customer service
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Average Credit | Consumer | See Terms* | N/A | N/A | See Terms* | None | Be the first to write one |
Revenued Business Card
- Earn 3% cash back on every single card purchase
- No monthly or annual fees while using your Revenued Business Card
- No minimum credit score to get approved. Business revenue determines your spending availability
- Earn $500 after spending $5,000 within your first 3 months of being a cardholder
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Poor Credit, Good Credit | Business | $0* | N/A | N/A | N/A* | Cash Back | Be the first to write one |
OpenSky® Secured Visa® Credit Card
- New feature! Earn up to 10% cash back* on everyday purchases
- No credit check to apply. Zero credit risk to apply!
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Get free monthly access to your FICO score in our mobile application
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Fund your card with a low $200 refundable security deposit to get a $200 credit line
- Apply in less than 5 minutes with our mobile first application
- Choose the due date that fits your schedule with flexible payment dates
- Fund your security deposit over 60 days with the option to make partial payments
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- *See Rewards Terms and Conditions for more information
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Limited Credit, Poor Credit | Secured | $35 | N/A | N/A | 25.14% (variable) | None | Be the first to write one |
Reflex® Platinum Mastercard®
- 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)
- See Rates & Fees
| Credit Target | Type | Annual Fee | BT Intro APR | Purchase Intro APR | Regular APR | Rewards | Reviews |
|---|---|---|---|---|---|---|---|
| Fair Credit, Limited Credit, Poor Credit | Consumer | $75 - $125 | N/A | N/A | 35.90% Fixed | None | Be the first to write one |
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