Credit Cards for Fair Credit


Browse offers for the best credit cards for people with fair credit.

CommissionSoup Offers API

BOOST Platinum Card

  • Bad Credit, No Credit? No Problem!
  • Fast and Easy Application
  • No Employment or Credit Check
Apply Now
Credit Recommended
Damaged credit to Fair credit
Credit Line
$750 Limit (Usable only at TheHorizonOutlet.com)
Regular APR
None
Monthly Fee
$177.24 annually ($14.77 per month)

Destiny Mastercard®

  • All the benefits of a Mastercard, without a security deposit
  • 24/7 access to your account, even on mobile!
  • Reports to all three major credit bureaus
  • Less than perfect credit is okay, even with a prior bankruptcy!
Apply Now
Credit Recommended
Poor to Good
Credit Limit
$700
Regular APR
See terms
Annual Fee
See terms

Net First Platinum

  • No Employment or Credit Check
  • Bad Credit, No Credit - OK
  • Always 0.0% APR
  • Fast Online Applications
Apply Now
Credit Recommended
Damaged credit to Fair credit
Credit Line
$750 Limit (Usable only at TheHorizonOutlet.com)
Regular APR
0% APR
Monthly Fee
See website for Details*

The Net First Platinum card could be the perfect card for you.

Have you been denied credit in the past? Net First Platinum is available to help people meet their financial needs. Our fast and easy application could be just what you need. A $750 credit line (Usable only at TheHorizonOutlet.com) could be available to you faster than you ever thought possible.

*See Card for Details

Milestone® Mastercard®

  • Greater access to credit than before - $700 credit limit
  • Get a Mastercard accepted online, in store and in app
  • Account history is reported to the three major credit bureaus in the U.S.
  • $0 liability* for unauthorized use
  • Access your account online or from your mobile device 24/7
  • *Fraud protection provided by Mastercard Zero Liability Protection. If approved, you'll receive the Mastercard Guide to Benefits that details the complete terms with your card.
Apply Now
Credit Recommended
Fair/Good
Credit Limit
$700
Cash Advance Fee
See terms
Regular APR
See terms

Surge® Platinum Mastercard®

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Online account access 24/7
  • Checking Account Required
Apply Now
Credit Recommended
See website for Details*
Regular APR
35.90% Fixed
Late Payment Fee
Up to $41.00
Return Payment Fee
Up to $41.00
Intro Rate
See website for Details*

FIT™ Platinum Mastercard®

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required
Apply Now
Credit Recommended
Fair/Poor/Bad
Regular APR
35.90% Fixed
Annual Fee
$99 introductory fee for the first year, then $125 thereafter
Return Payment Fee
Up to $41.00
Late Payment Fee
Up to $41.00

Applied Bank® Secured Visa® Gold Preferred® Credit Card

  • Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
  • Absolutely No Credit Check or Minimum Credit Score Required
  • Automatic Reporting to All Three National Credit Bureaus
  • 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
  • Activate Today with a $200 Minimum Deposit - Maximum $1,000.
  • Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
Apply Now
Credit Recommended
Poor/Fair/Limited/Damaged
Regular APR
9.99% Fixed
Annual Fee
$48
Credit Line
$200 - $1,000

Reflex® Platinum Mastercard®

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • 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
Apply Now
Credit Recommended
Fair/Poor/Bad/Limited
Regular APR
35.90% Fixed
Credit Limit
up to $1,000
Annual Fee
$75 - $125
Late Payment Fee
Up to $41.00

First Progress Platinum Prestige Mastercard® Secured Credit Card

  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Apply Now
Credit Recommended
Poor/Limited/No Credit
Regular APR
15.24% (V)
Annual Fee
$49
Credit Line
$2,000
Cash Advance APR
24.24% (V)

Fair Credit Cards

  • Time for a new Credit Card
  • Improve your credit with responsible use
  • Credit Cards for Fair Credit
Search Now
Credit Recommended
Average/Fair/Good/Poor/Bad/Limited/
Intro (Purchases)
See website for Details*
Intro (Transfers)
See website for Details*
Regular APR
See website for Details*
Annual Fee
See website for Details*

First Progress Platinum Select Mastercard® Secured Credit Card

  • 1% Cash Back Rewards on payments
  • Choose your own credit line - $200 to $2000 – based on your security deposit
  • Build your credit score.¹ Reports to all 3 credit bureaus
  • No minimum credit score required for approval!
  • ¹ Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
Apply Now
Credit Recommended
Poor/Limited/No Credit
Regular APR
19.24% (V)
Annual Fee
$39
Credit Line
$2,000
Cash Advance APR
25.24% (V)

Freedom Gold Card

  • $750 Unsecured Credit Limit (Usable only at TheHorizonOutlet.com)
  • Instant Approval*
  • No Credit Check
  • No Employment Check
  • Fast online application
  • Bad Credit - OK
Apply Now
Credit Recommended
Damage credit to Fair credit
Credit Line
$750 Limit (Usable only at TheHorizonOutlet.com)
Monthly Fee
See website for Details*
Regular APR
0% APR

You are pre-approved for a $750 unsecured credit line (Usable only at TheHorizonOutlet.com) with the Freedom Gold Card! Sign up now, our application process is fast and easy.

*See site for details

Reflex® Platinum Mastercard®

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • 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
Apply Now
Credit Recommended
Fair/Poor/Bad/Limited
Regular APR
35.90% Fixed
Credit Limit
up to $1,000
Annual Fee
$75 - $125
Late Payment Fee
Up to $41.00

Surge® Platinum Mastercard®

  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • See if you’re Pre-Qualified without impacting your credit score
  • Fast and easy application process; results in seconds
  • Online account access 24/7
  • Checking Account Required
Apply Now
Credit Recommended
See website for Details*
Regular APR
35.90% Fixed
Late Payment Fee
Up to $41.00
Return Payment Fee
Up to $41.00
Intro Rate
See website for Details*

Upgrade Cash Rewards Visa®

  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • Earn 1.5% unlimited cash back on card purchases every time you make a payment
  • Combine the flexibility of a credit card with the predictability of a personal loan
  • No annual fee
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • 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
Apply Now
Credit Recommended
Excellent, Good, Fair, Average
Credit Line
$500 - $25,000
Regular APR
14.99% - 29.99% APR
Regular Transfer APR
14.99% - 29.99% APR
Annual Fee
$0

*To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade VISA® Debit Card Agreement and Disclosures for more information. Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions.

OpenSky® Plus Secured Visa® Credit Card

  • New feature! Earn up to 10% cash back* on everyday purchases
  • No annual fee
  • No credit check to apply. Find out instantly if you are approved- 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
  • Monitor your credit progress with free access to your FICO Credit Score.
  • 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
  • Secure your credit line with a refundable security deposit - as low as $300.
  • Easy application, apply in less than 5 minutes right from your mobile device
  • Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
  • Now you can make smaller partial payments towards funding your security deposit over 60 days
  • Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
  • *See Rewards Terms and Conditions for more information
Apply Now
Credit Recommended
No credit, Poor, Fair
Regular APR
29.99% (variable)
Annual Fee
$0
Credit Line
$300-$3000 at time of application

FIT™ Platinum Mastercard®

  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required
Apply Now
Credit Recommended
Fair/Poor/Bad
Regular APR
35.90% Fixed
Annual Fee
$99 introductory fee for the first year, then $125 thereafter
Return Payment Fee
Up to $41.00
Late Payment Fee
Up to $41.00