Cards for Fair Credit

While there’s no single definition of fair or average credit, most consumers have scores between 630-680. And consumers with scores in the upper 600s can usually qualify for cards with rewards and avoid the hassle of a security deposit. Even offers without annual fees are often within reach. Below are popular offers from our partners for consumers with fair or average credit.
OfferRegular APRAnnual FeeCard IssuerCredit Needed
Credit One Bank® Platinum Visa® with Cash Back RewardsCredit One Bank® Platinum Visa® with Cash Back Rewards17.24% - 25.24% VariableApply Now$0 - $99Credit One Bank®Fair
  • Enjoy peace of mind with $0 Fraud Liability
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back on eligible purchases, terms apply
  • Enjoy more buying power with credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
1
Total Visa® CardTotal Visa® CardSee Terms*Apply NowSee Terms*Mid America Bank & Trust CompanyFair/Bad Credit
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
14
Credit One Bank® Unsecured Visa® with Cash Back RewardsCredit One Bank® Unsecured Visa® with Cash Back Rewards17.24% - 25.24% VariableApply Now$0 - $99Credit One Bank®Fair
  • See if you Pre-Qualify without harming your credit score
  • This unsecured card requires no deposit and can help build your credit
  • Track your progress with free online access to your Experian credit score, terms apply
  • Build your credit history—we report to the credit bureaus monthly
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Enjoy the flexibility to choose your payment due date, terms apply
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • No need to fret—you’re covered by $0 Fraud Liability
4
Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding Credit17.24% - 25.24% VariableApply Now$0 - $99Credit One Bank®Fair
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Receive opportunities for credit line increases, a fee may apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • Enjoy peace of mind with $0 Fraud Liability
2
Milestone® Mastercard® with Free Choice of Card ImageMilestone® Mastercard® with Free Choice of Card Image23.9%Apply Now$35 - $99*Genesis FS Card ServiceFair/Good
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
13
Indigo® Platinum Mastercard® Credit CardIndigo® Platinum Mastercard® Credit Card23.9%Apply Now$0 - $99Genesis FS Card ServiceFair/Good
  • Easy pre-qualification process with fast response
  • All credit histories considered
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
5
First Access Visa® CardFirst Access Visa® CardSee TermsApply NowSee TermsMid America Bank & Trust CompanyFair/Bad
  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Issued by Mid America Bank & Trust Company, founded 1920, Member: FDIC
15
Indigo® Mastercard® with Fast Pre-qualificationIndigo® Mastercard® with Fast Pre-qualification23.9%Apply Now$0 - $99Genesis FS Card ServiceFair/Good
  • Our pre-qualification process does not affect your credit score
  • Keeping your account in good standing may help establish and/or improve your credit
  • 24/7 access to your account, even on mobile!
  • Protection from fraud, if your card happens to be lost or stolen
  • Account history is reported to the three major credit bureaus in the U.S.
3
Indigo® Unsecured Mastercard®Indigo® Unsecured Mastercard®23.9%Apply Now$0 - $99Genesis FS Card ServiceFair/Good
  • Pre-qualify today without an impact on your credit score
  • Helping consumers with limited or damaged credit make a fresh start for over 12 years
  • Access your account online or from your mobile device 24/7
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
9
Indigo® Unsecured Mastercard® - Prior Bankruptcy is OkayIndigo® Unsecured Mastercard® - Prior Bankruptcy is Okay23.9%Apply Now$0 - $99Genesis FS Card ServiceFair/Good
  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
16
Indigo® Platinum Mastercard®Indigo® Platinum Mastercard®23.9%Apply Now$0 - $99Genesis FS Card ServiceFair/Good
  • Simple and fast application process
  • Don't have perfect credit? No problem!
  • Free 24/7 account access and bill pay from anywhere
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.
10
First Progress Platinum Prestige MasterCard® Secured Credit CardFirst Progress Platinum Prestige MasterCard® Secured Credit Card9.99%Apply Now$49Synovus BankDamaged/Fair
  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI
    *See Card Terms.
8
First Progress Platinum Select MasterCard® Secured Credit CardFirst Progress Platinum Select MasterCard® Secured Credit Card13.99%Apply Now$39Synovus BankDamaged/Fair
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard(R) Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
    *See Card Terms.
17
The First Progress Platinum Elite MasterCard® Secured Credit CardThe First Progress Platinum Elite MasterCard® Secured Credit Card19.99%Apply Now$29Synovus BankDamage credit to Fair credit
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard(R) Secured Credit Card
  • Nationwide Program though not yet available in NY, IA, AR, or WI
    *See Card Terms.
4
Credit One Bank® Unsecured Visa® for Rebuilding CreditCredit One Bank® Unsecured Visa® for Rebuilding Credit17.24% - 25.24% VariableApply Now$0 - $99Credit One Bank®Fair
  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your Experian credit score online for free, terms apply
11
Credit One Bank® Unsecured Visa® with Free Credit Score TrackingCredit One Bank® Unsecured Visa® with Free Credit Score Tracking17.24% - 25.24% VariableApply Now$0 - $99Credit One Bank®Fair
  • Find the card that’s right for you without affecting your credit score.
  • Show off your personality by selecting from a variety of card designs, a fee may apply.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
  • Set up custom email or text alerts so you'll always be aware of your payment due date, when your payment posts, or if your available credit runs low.
  • Don’t get stuck with a payment date that doesn’t work with your schedule. Credit One Bank allows you to choose your monthly payment due date. Terms apply.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • As you build a positive credit history, you'll earn more credit line increase opportunities. A fee may apply.
  • Know you’re protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account.
12
Credit One Bank® Unsecured Platinum Visa®Credit One Bank® Unsecured Platinum Visa®17.24% - 25.24% VariableApply Now$0 - $99Credit One Bank®Fair
  • Seeing if you Pre-Qualify is fast, easy, and secure
  • Get 1% cash back rewards on eligible purchase, terms apply
  • Rewards post automatically to your account each month.
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Enjoy exclusive offers available to Credit One Bank card members through Visa® Discounts.
  • Your card includes travel accident and auto rental collision insurance from Visa®
8
NASCAR® Credit Card from Credit One Bank®NASCAR® Credit Card from Credit One Bank®17.24% - 25.24% VariableApply Now$0 - $99Credit One Bank®Fair
  • See if you Pre-Qualify without harming your credit score
  • Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore, terms apply
  • No need to fret—you’re covered by $0 Fraud Liability
  • Receive opportunities for credit line increases, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Never miss an account update with customizable text and email alerts
6
Milestone Gold Mastercard®Milestone Gold Mastercard®23.9%Apply Now$35 - $99*Genesis FS Card ServiceFair/Good
  • Our application is quick and easy with instant pre-qualification available
  • All credit histories considered
  • Access your account online or from your mobile device 24/7
  • Choice of card image at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
7
Milestone® Mastercard® - Mobile Access to Your AccountMilestone® Mastercard® - Mobile Access to Your Account23.9%Apply Now$35 - $99*Genesis FS Card ServiceFair/Good
  • Instant pre-qualification is available for those who qualify
  • Don't have perfect credit? No problem!
  • Mobile friendly online access from anywhere
  • Pick from multiple card designs at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
17
OfferRegular APRAnnual FeeCard IssuerCredit Needed
Credit One Bank® Platinum Visa® with Cash Back RewardsCredit One Bank® Platinum Visa® with Cash Back Rewards17.24% - 25.24% Variable$0 - $99Credit One Bank®FairApply Now
  • Enjoy peace of mind with $0 Fraud Liability
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back on eligible purchases, terms apply
  • Enjoy more buying power with credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • View updates to your Experian credit score with free online access, terms apply
  • Access your account on-the-go with the Credit One Bank mobile app
  • Never miss an account update with customizable text and email alerts
1
Total Visa® CardTotal Visa® CardSee Terms*See Terms*Mid America Bank & Trust CompanyFair/Bad CreditApply Now
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
14
Credit One Bank® Unsecured Visa® with Cash Back RewardsCredit One Bank® Unsecured Visa® with Cash Back Rewards17.24% - 25.24% Variable$0 - $99Credit One Bank®FairApply Now
  • See if you Pre-Qualify without harming your credit score
  • This unsecured card requires no deposit and can help build your credit
  • Track your progress with free online access to your Experian credit score, terms apply
  • Build your credit history—we report to the credit bureaus monthly
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Enjoy the flexibility to choose your payment due date, terms apply
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • No need to fret—you’re covered by $0 Fraud Liability
4
Credit One Bank® Platinum Visa® for Rebuilding CreditCredit One Bank® Platinum Visa® for Rebuilding Credit17.24% - 25.24% Variable$0 - $99Credit One Bank®FairApply Now
  • See if you Pre-Qualify without harming your credit score
  • Track your progress with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Receive opportunities for credit line increases, a fee may apply
  • Make paying your bill easier with the ability to choose your payment due date, terms apply
  • Stay in-the-know with customizable account alerts via email and text
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • Enjoy peace of mind with $0 Fraud Liability
2
Milestone® Mastercard® with Free Choice of Card ImageMilestone® Mastercard® with Free Choice of Card Image23.9%$35 - $99*Genesis FS Card ServiceFair/GoodApply Now
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
13
Indigo® Platinum Mastercard® Credit CardIndigo® Platinum Mastercard® Credit Card23.9%$0 - $99Genesis FS Card ServiceFair/GoodApply Now
  • Easy pre-qualification process with fast response
  • All credit histories considered
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
5
First Access Visa® CardFirst Access Visa® CardSee TermsSee TermsMid America Bank & Trust CompanyFair/BadApply Now
  • Checking Account Required
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Issued by Mid America Bank & Trust Company, founded 1920, Member: FDIC
15
Indigo® Mastercard® with Fast Pre-qualificationIndigo® Mastercard® with Fast Pre-qualification23.9%$0 - $99Genesis FS Card ServiceFair/GoodApply Now
  • Our pre-qualification process does not affect your credit score
  • Keeping your account in good standing may help establish and/or improve your credit
  • 24/7 access to your account, even on mobile!
  • Protection from fraud, if your card happens to be lost or stolen
  • Account history is reported to the three major credit bureaus in the U.S.
3
Indigo® Unsecured Mastercard®Indigo® Unsecured Mastercard®23.9%$0 - $99Genesis FS Card ServiceFair/GoodApply Now
  • Pre-qualify today without an impact on your credit score
  • Helping consumers with limited or damaged credit make a fresh start for over 12 years
  • Access your account online or from your mobile device 24/7
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
9
Indigo® Unsecured Mastercard® - Prior Bankruptcy is OkayIndigo® Unsecured Mastercard® - Prior Bankruptcy is Okay23.9%$0 - $99Genesis FS Card ServiceFair/GoodApply Now
  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
16
Indigo® Platinum Mastercard®Indigo® Platinum Mastercard®23.9%$0 - $99Genesis FS Card ServiceFair/GoodApply Now
  • Simple and fast application process
  • Don't have perfect credit? No problem!
  • Free 24/7 account access and bill pay from anywhere
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.
10
First Progress Platinum Prestige MasterCard® Secured Credit CardFirst Progress Platinum Prestige MasterCard® Secured Credit Card9.99%$49Synovus BankDamaged/FairApply Now
  • No Credit History or Minimum Credit Score Required for Approval
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Nationwide Program though not yet available in NY, IA, AR, or WI
    *See Card Terms.
8
First Progress Platinum Select MasterCard® Secured Credit CardFirst Progress Platinum Select MasterCard® Secured Credit Card13.99%$39Synovus BankDamaged/FairApply Now
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard(R) Secured Credit Card
  • Good for Car Rental, Hotels; Anywhere Credit Cards are Accepted!
  • Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
  • Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
  • Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
  • 24/7 Online Access to Your Account
  • Nationwide Program though not yet available in NY, IA, AR, or WI
    *See Card Terms.
17
The First Progress Platinum Elite MasterCard® Secured Credit CardThe First Progress Platinum Elite MasterCard® Secured Credit Card19.99%$29Synovus BankDamage credit to Fair creditApply Now
  • Receive Your Card More Quickly with New Expedited Processing Option
  • No Credit History or Minimum Credit Score Required for Approval
  • Quick and Complete Online Application
  • Full-Feature Platinum MasterCard(R) Secured Credit Card
  • Nationwide Program though not yet available in NY, IA, AR, or WI
    *See Card Terms.
4
Credit One Bank® Unsecured Visa® for Rebuilding CreditCredit One Bank® Unsecured Visa® for Rebuilding Credit17.24% - 25.24% Variable$0 - $99Credit One Bank®FairApply Now
  • Find out if you Pre-Qualify without harming your credit score
  • Eligible purchases earn 1% cash back rewards automatically, terms apply
  • Get a credit line between $300 and $3,000 based on your credit history
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Manage your account on-the-go with the Credit One Bank mobile app
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • View your Experian credit score online for free, terms apply
11
Credit One Bank® Unsecured Visa® with Free Credit Score TrackingCredit One Bank® Unsecured Visa® with Free Credit Score Tracking17.24% - 25.24% Variable$0 - $99Credit One Bank®FairApply Now
  • Find the card that’s right for you without affecting your credit score.
  • Show off your personality by selecting from a variety of card designs, a fee may apply.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.
  • Set up custom email or text alerts so you'll always be aware of your payment due date, when your payment posts, or if your available credit runs low.
  • Don’t get stuck with a payment date that doesn’t work with your schedule. Credit One Bank allows you to choose your monthly payment due date. Terms apply.
  • Take advantage of free online access to your Experian credit score and credit report summary so you can track the key factors impacting your credit health. Terms apply.
  • As you build a positive credit history, you'll earn more credit line increase opportunities. A fee may apply.
  • Know you’re protected from unauthorized charges with Zero Fraud Liability—included with every Credit One Bank account.
12
Credit One Bank® Unsecured Platinum Visa®Credit One Bank® Unsecured Platinum Visa®17.24% - 25.24% Variable$0 - $99Credit One Bank®FairApply Now
  • Seeing if you Pre-Qualify is fast, easy, and secure
  • Get 1% cash back rewards on eligible purchase, terms apply
  • Rewards post automatically to your account each month.
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • With $0 Fraud Liability, you won’t be responsible for unauthorized charges
  • Pick a card that fits your style. Multiple card designs are available, a fee may apply
  • Enjoy exclusive offers available to Credit One Bank card members through Visa® Discounts.
  • Your card includes travel accident and auto rental collision insurance from Visa®
8
NASCAR® Credit Card from Credit One Bank®NASCAR® Credit Card from Credit One Bank®17.24% - 25.24% Variable$0 - $99Credit One Bank®FairApply Now
  • See if you Pre-Qualify without harming your credit score
  • Get 1% cash back rewards on eligible purchases and double cash back rewards at the NASCAR.com Superstore, terms apply
  • No need to fret—you’re covered by $0 Fraud Liability
  • Receive opportunities for credit line increases, a fee may apply
  • Choose your monthly payment due date for added convenience, terms apply
  • Monitor your credit with free online access to your Experian credit score, terms apply
  • Looking to rebuild credit? We report to the major credit bureaus monthly
  • Never miss an account update with customizable text and email alerts
6
Milestone Gold Mastercard®Milestone Gold Mastercard®23.9%$35 - $99*Genesis FS Card ServiceFair/GoodApply Now
  • Our application is quick and easy with instant pre-qualification available
  • All credit histories considered
  • Access your account online or from your mobile device 24/7
  • Choice of card image at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
7
Milestone® Mastercard® - Mobile Access to Your AccountMilestone® Mastercard® - Mobile Access to Your Account23.9%$35 - $99*Genesis FS Card ServiceFair/GoodApply Now
  • Instant pre-qualification is available for those who qualify
  • Don't have perfect credit? No problem!
  • Mobile friendly online access from anywhere
  • Pick from multiple card designs at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
17
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