**Recommended credit
Featured cards for fair credit
Based on their APRs, fees, rewards and other features, we have selected these cards from as the best for individuals with fair credit from our partners.
Chime
- To apply for Chime Card™, you must have an active Chime® Checking Account.
- No annual fee. No minimum security deposit*. No credit check to apply***
- 1.5% cash back¹ on rotating categories with Chime+ status²
- The perks of credit building meet the best of banking
- ¹With a qualifying direct deposit, earn 1.5% cash back on eligible secured Chime Visa® Credit Card purchases
- ²To be eligible for Chime+™ status you must receive a qualifying direct deposit to your Chime Checking Account in the preceding 34 days. Certain products marketed as Chime+ benefits have additional eligibility requirements. While some Chime+ benefits may have associated fees, none of these fees are mandatory to access Chime+ benefits or to maintain Chime+ status. See Chime+ Terms and Conditions for details. CHIME+ is a Trademark of Chime Financial, Inc.
- *Money added to Chime Card™ will be held in a secured account as collateral for your Chime Card™, which means you can spend up to this amount on your card. This is money you can use to pay off your charges at the end of every month.
- **On-time payment history may have a positive impact on your credit score. Late payment may negatively impact your credit score. Results may vary.
- ***Out-of-network ATM withdrawal fees may apply.
- Chime is a financial technology company, not a bank. Banking services provided by The Bancorp Bank, N.A. or Stride Bank, N.A., Members FDIC. The Chime Card™ is issued by Stride Bank, N.A., Member FDIC, pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa credit cards are accepted.
**Recommended credit:
Fair-Poor-Bad-No Credit
Annual fee
$0
Intro APR
None***
Ongoing APR
None***
Balance transfer
None
**Recommended credit
Fair-Poor
Merit Platinum
Merit Platinum Card
- $750 line of credit*
- No Employment or Credit Check
- Bad Credit, No Credit - OK
- Always 0.0% APR
- Fast Online Applications
- *$750 Limit (Usable only at TheHorizonOutlet.com)
**Recommended credit:
Fair-Poor
Annual fee
See Website for Details
Intro APR
N/A
Ongoing APR
0% APR
Balance transfer
N/A
**Recommended credit
Fair-Poor-Bad
Current
Current Build Visa® Credit Card
- Credit for everyone - Regardless of your credit history!
- Get paid up to 2 days faster - Using Direct Deposit.
- Build credit not debt.
- Grow your savings - Earn up to a 4.00% Bonus on Savings Pods.
- View Product Disclosures
**Recommended credit:
Fair-Poor-Bad
Annual fee
$0
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
**Recommended credit
Fair-Poor-Bad
- 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 Surge Mastercard is ideal for people looking to rebuild their credit.
- With responsible card use, you may be able to rebuild or improve your credit
- Unsecured credit card that 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)
**Recommended credit:
Fair-Poor-Bad
Annual fee
See Terms*
Intro APR
N/A
Ongoing APR
See Terms*
Balance transfer
N/A
**Recommended credit
Fair-Bad
PREMIER Bankcard®
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.
**Recommended credit:
Fair-Bad
Annual fee
See Terms*
Intro APR
N/A
Ongoing APR
See Terms*
Balance transfer
N/A
- Combined Credit Builder Account and secured card products to help you build credit
- No credit check. No credit history required.
- Start with a Credit Builder Account that reports to all 3 credit bureaus. Each on-time monthly payment builds credit history and savings. Choose the plan that works for you.
- To qualify for a secured card, have $100 or more in savings progress and add/update your income and expenses.
- Your savings progress from your Credit Builder Account acts as your refundable security deposit.
- Use your card anywhere Visa is accepted in the U.S.
- Stay on track with credit utilization monitoring, auto pay, account reminders, a mobile app, and dedicated customer support.
- Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change
- $0 annual fee for the first year only, for new customers only, $25 annual fee thereafter. Variable APR of 27.49%.
- Secured Self Visa® Credit Card issued by Lead Bank, Sunrise Banks, N.A.,First Century Bank, N.A., or SouthState Bank, N.A., each Member FDIC. Credit Builder Accounts & Certificates of Deposit made/held by Lead Bank, Sunrise Banks, N.A., or First Century Bank, N.A., each Member FDIC. Subject to approval.
**Recommended credit:
Poor-No Credit
Annual fee
$0 intro annual fee for the first year; $25 thereafter
Intro APR
N/A
Ongoing APR
27.49% This APR will vary with the market based on the Prime Rate
Balance transfer
N/A
**Recommended credit
Fair-Poor-Bad
Fit Card
FIT™ Platinum Mastercard®
- $400 Initial Credit Limit
- Less than perfect credit? We understand. The FIT Mastercard is ideal for people looking to rebuild their credit.
- Unsecured credit card that requires No Security Deposit
- With responsible card use, you may be able to rebuild or improve your credit
- 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)
**Recommended credit:
Fair-Poor-Bad
Annual fee
See Terms*
Intro APR
N/A
Ongoing APR
See Terms*
Balance transfer
N/A
- Start with a $200 refundable security deposit, and grow your limit up to $3,000
- No credit check required to apply — apply with confidence and start building credit today
- Earn up to 10% cash back on everyday purchases
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Fast and easy application—apply in minutes with our mobile-first experience
- Flexible payment options—pick a due date that works for you
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
**Recommended credit:
Fair-Poor-Bad-No Credit
Annual fee
$35
Intro APR
N/A
Ongoing APR
23.89% (variable)
Balance transfer
N/A
- Get the credit limit you deserve—$700 guaranteed if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
- Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit, just purchasing power.
**Recommended credit:
Fair-Poor
Annual fee
$175 the first year; $49 thereafter. Monthly fee: $0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
Intro APR
N/A
Ongoing APR
35.9%
Balance transfer
N/A
**Recommended credit
Fair-Poor-Bad
Reflex Card
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.
- With responsible card use, you may be able to rebuild or improve your credit
- Unsecured credit card that 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)
**Recommended credit:
Fair-Poor-Bad
Annual fee
See Terms*
Intro APR
N/A
Ongoing APR
See Terms*
Balance transfer
N/A
Self Inc
The secured Self Visa® Credit Card
- Unlike a debit card, it helps build your credit history with monthly reporting to all 3 major credit bureaus. Once available, you will also have free access to your VantageScore 3.0 online or in app.
- Use your card anywhere Visa® is accepted -- in the US.
- A security deposit is required. Once approved, your credit limit will be equal to your security deposit (minimum of $100).
- Qualification for the secured Self Visa® Credit Card is based on meeting eligibility requirements, including income and expense requirements and establishment of security interest. Criteria subject to change.
- Get help staying on track with Auto Pay and account alerts.
- Manage your account 24/7 online, by phone, or in our mobile app.
- *$0 annual fee for the first year only, $25 annual fee thereafter. Variable APR of 28.24%. Offer valid for new customers only.
- †The secured Self Visa® Credit Card is issued by Lead Bank, Sunrise Bank, N.A., or First Century Bank, N.A., each Member FDIC.
**Recommended credit:
Fair - No Credit
Annual fee
$0 for the first year only. $25 annual fee after.
Intro APR
N/A
Ongoing APR
28.24% Variable APR
Balance transfer
N/A
**Recommended credit
See website for Details*
Merrick Bank
Merrick Bank Secured Credit Card
- Choose your own credit line based on how much money you want to put down as a security deposit.
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000.
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds.
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies.
- Get your FICO® Credit Score for free each month.
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC.
**Recommended credit:
See website for Details*
Annual fee
$36 for first year. Billed $3 per month thereafter
Intro APR
N/A
Ongoing APR
21.95% Variable
Balance transfer
N/A
**Recommended credit
Good-Fair
Mission Lane
Mission Lane Cash Back Visa® Credit Card
- Apply with confidence! There's no impact to your credit score if you are declined.
- Enjoy Unlimited 1.5% Cash Back on all Purchases.*
- Be automatically considered for a higher credit line in as few as 7 months.
- Free, online credit score access for cardholders.
- No interest on Purchases when you pay in full and on time each month.
- No security deposit required – get started today!
- Enjoy coverage from Visa®.
- Access your account anytime, anywhere with our mobile app.
- *See Rewards Terms here
**Recommended credit:
Good-Fair
Annual fee
$0
Intro APR
N/A
Ongoing APR
26.99%-29.99% Variable APR
Balance transfer
N/A
**Recommended credit
Good - Bad
Revenued
Revenued Business Card
- For established businesses: 1+ years in business, $30k/month deposits, and no sole proprietorships
- Flexible, reusable access to working capital
- Spending limits that grow with your business revenue
- Draw only what you need, when you need it
- Apply in minutes, get funds in as little as 24 hours
- No origination, maintenance, or draw fees
- Rated Excellent on Trustpilot with 800+ reviews
**Recommended credit:
Good - Bad
Annual fee
$0
Intro APR
N/A
Ongoing APR
Factor based
Balance transfer
N/A
**Recommended credit
Good-Fair-Poor
Mission Lane
Mission Lane Visa® Credit Card
- $0 Annual Fee. Clear terms and transparent pricing.
- See if you qualify instantly without harming your credit score.
- Be automatically considered for a higher credit line in as few as 7 months.
- Free, online credit score access for cardholders.
- No interest on purchases when you pay in full and on time each month.
- No security deposit required – get started today!
- Enjoy coverage from Visa®.
- Access your account anytime, anywhere with our mobile app.
**Recommended credit:
Good-Fair-Poor
Annual fee
$0
Intro APR
N/A
Ongoing APR
29.99-33.99% Variable
Balance transfer
N/A
Avant
Avant Credit Card
- 1% Unlimited Cash Back on Every Purchase, Everywhere MasterCard is accepted†
- No Limit On The Monthly Rewards You Can Earn†
- Cash back will be awarded as points redeemable for a statement credit†
- We May Periodically Review Your Account For Credit Line Increases
- Fast and Easy Application Process
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
- Avant branded credit products are issued by WebBank.
- *Avant Card Terms and Conditions
- †Rewards Terms and Conditions
**Recommended credit:
Fair
Annual fee
$0*
Intro APR
N/A
Ongoing APR
35.99%* fixed APR
Balance transfer
N/A
- Get more spending power with a refundable security deposit — start with as little as $300 and apply to increase your limit, up to $3,000
- No credit check required to apply — earn up to 10% cash back on purchases
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Fast and easy application—apply in minutes with our mobile-first experience
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
**Recommended credit:
Fair-Poor-Bad-No Credit
Annual fee
$0
Intro APR
N/A
Ongoing APR
28.24% (variable)
Balance transfer
N/A
- A rewards card for people with less-than-perfect credit!
- Fuel your savings! Get 3% Cashback Rewards on your first $5,000 in gas, grocery, restaurant, & mobile phone service purchases!
- A guaranteed $700 credit limit to help you build access to credit, if approved.
- With Cashback Rewards, you get to live like an A-lister.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Join over a million consumers who use the Destiny Mastercard to help build their access to credit.
- No security deposit required—get started today!
**Recommended credit:
Fair-Poor-Bad
Annual fee
Monthly Fee: $0 the first year; $150 annually thereafter (billed $12.50 each month)
Intro APR
N/A
Ongoing APR
35.90%
Balance transfer
N/A
First Progress
First Progress Select Secured Mastercard®
- Put Your Tax Refund to Work — Earn Up To 10% Cash Back on everyday shopping with your First Progress Card, plus another 1% back on payments!^^
- Apply with no impact to your credit!*
- Secure your credit line with your refundable security deposit – choose from $200- $2,000 - with the ability to increase up to $5,000 over time!
- Choose the First Progress Select Card for a lower annual fee!
- All credit types welcome to apply!
- Build your credit history across 3 major credit reporting agencies: Equifax, Experian and TransUnion.¹
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- *We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Progress Rewards Program Terms & Conditions for details.
- *See Important Disclosures for complete offer details
**Recommended credit:
Poor-No Credit
Annual fee
$39
Intro APR
N/A
Ongoing APR
17.49% Variable APR for Purchases
Balance transfer
N/A
- Build credit faster, cheaper, and safer
- No credit checks and no credit history are required to open a credit card
- Accepts immigrants and internationals without an SSN - apply with a passport and visa.
- Monitor your credit score right in the app
- 0% APR. Don’t worry about overspending. What you deposit is what you can spend.
- Get up to 15% Merchant Cashback at 29,000+ partner merchants
- Get up to 10% Random Cashback on all qualifying transactions
- Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings (Merchant Cashback and Random Cashback)
- Earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
- Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government)
**Recommended credit:
Good-No Credit
Annual fee
$4.99 a month
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
**Recommended credit
Fair-Poor-Bad
Freedom Gold
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
- See Site for details*
**Recommended credit:
Fair-Poor-Bad
Annual fee
See Website for Details*
Intro APR
N/A
Ongoing APR
0% APR
Balance transfer
N/A
Arro
Arro Card
- No hard inquiry to apply.
- Apply in 5 minutes or less.
- Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
- Earn 1% cash back on gas & groceries, including Walmart and Target
- Instantly increase your credit limit as you master your personal finances in the Arro app.
- Reports to all 3 credit bureaus.
- The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.
**Recommended credit:
Good-Fair-Poor-No Credit
Annual fee
$60* (*discounted in Year 1 for starting credit lines under $300)
Intro APR
N/A
Ongoing APR
24.99% Fixed
Balance transfer
N/A
First Latitude
First Latitude Elite Secured Mastercard®
- Invest Your Refund in Your Future — Double the Rewards: Earn Up To 10% Cash Back on Purchases & 1% Back on Payments!^^
- Choose our First Latitude Elite Card for a lower annual APR!
- Choose our First Latitude Elite Card for a lower annual APR!
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
- No minimum credit score required for approval!
- Secure your credit line with a refundable security deposit - as low as $200 to get started!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- *See Important Disclosures for complete offer details
- *We may pull a soft inquiry of your credit. Soft inquiries do not impact your credit score.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
**Recommended credit:
Limited-Poor-No Credit
Annual fee
$29
Intro APR
N/A
Ongoing APR
23.49% (V)
Balance transfer
N/A
**Recommended credit
Excellent-Good-Fair-Poor
- Access the Nav Prime Card as part of Nav Prime — trusted by 300,000+ for building business credit history and managing credit health
- Build business credit from your everyday purchases with the Nav Prime Card — no time in business, credit, or annual revenue minimums
- Nav is the only place you can see both business and personal credit data lenders see for confident decision-making
- Access Nav Business Checking to manage money with no domestic fees or minimum balance
- Nav Technologies, Inc. is a financial technology company and not a bank. Banking services provided by Thread Bank, Member FDIC. The Nav Visa® Business Debit Card and the Nav Prime Charge Card are issued by Thread Bank pursuant to a license from Visa U.S.A. Inc. and may be used everywhere Visa cards are accepted. See Cardholder Terms for additional details.
**Recommended credit:
Excellent-Good-Fair-Poor
Annual fee
Nav Prime is $49.99/month, which gets reported as a tradeline.
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
- Build credit faster, cheaper, and safer
- No credit checks and no credit history are required to open a credit card
- Accepts immigrants and internationals without an SSN - apply with a passport and visa.
- 0% APR. Don’t worry about overspending. What you deposit is what you can spend.
- No account minimum, no interest, and no overdraft fee
- Get up to 15% Merchant Cashback at 29,000 partner merchants
- Get up to 10% Random Cashback on all qualifying transactions
- Earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
- Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings (Merchant Cashback and Random Cashback)
- Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government). Rates and Fees
**Recommended credit:
Good-No Credit
Annual fee
$4.99 a month
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
Milestone
Milestone® Mastercard®
- Guaranteed $700 credit limit if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don't Have Perfect Credit? No Problem!
- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
**Recommended credit:
Good-Fair
Annual fee
See terms
Intro APR
N/A
Ongoing APR
See terms
Balance transfer
N/A
- Start building credit with just $150 – secure you line with a low, refundable security deposit
- No credit check required – 89% approval rate with zero credit risk to apply!
- Earn up to 10% cash back on everyday purchases
- Affordable payments – minimum payment as low as $10
- Boost your credit score fast—2 out of 3 OpenSky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Join 1.6 million+ cardholders who have used OpenSky® to build better credit!
**Recommended credit:
Fair-Poor-Bad-No Credit
Annual fee
$24 during the first year, paid in installments of $2 per month. $36 after the first year, paid in installments of $3 per month.
Intro APR
N/A
Ongoing APR
28.24% (variable)
Balance transfer
N/A
**Recommended credit
Fair-Poor-Bad
NetFirst Platinum
Net First Platinum
- $750 Limit (Usable only at TheHorizonOutlet.com)
- No Employment or Credit Check
- Bad Credit, No Credit - OK
- Always 0.0% APR
- Fast Online Applications
- See Card for Details*
**Recommended credit:
Fair-Poor-Bad
Annual fee
See Website for Details*
Intro APR
N/A
Ongoing APR
0% APR
Balance transfer
N/A
First Latitude
First Latitude Assent Secured Mastercard®
- Is Inflation Impacting Your Credit? A Secured Card Can Help You Rebuild in 2026¹ — Now offering Up To 10% Cash Back at select merchants with First Latitude!^^
- Now offering cash back rewards on select purchases & payments!^^
- Secure your credit line with your refundable security deposit – choose from $200- $2,000. With the ability to increase up to $5,000 over time!
- Designed to push you forward on your credit building journey with $0 Annual Fee.¹
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- *See Important Disclosures for complete offer details
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
**Recommended credit:
Limited-Poor-No Credit
Annual fee
$0
Intro APR
N/A
Ongoing APR
27.49% (V)
Balance transfer
N/A
**Recommended credit
Fair-Poor
Imagine
Imagine® Visa® Credit Card
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- $0 fraud liability**
- No Security Deposit
- The Imagine Card is issued by WebBank
- Review Cardholder Agreement for rate and fee information
- *See Program Terms for important information about the cash back rewards program.
- **Zero liability subject to Visa’s Zero Liability Policy.
**Recommended credit:
Fair-Poor
Annual fee
As low as $99
Intro APR
N/A
Ongoing APR
36% Fixed
Balance transfer
N/A
**Recommended credit
Fair
Avant
Avant Credit Card
- Fast and easy application process
- We may periodically review your account for credit line increases
- Help strengthen your credit history with responsible use
- No hidden fees
- Use online banking to conveniently pay your card through our online portal, 24/7
- Zero fraud liability for unauthorized charges
- Checking your eligibility does not affect your credit score
- Avant branded credit products are issued by WebBank
- Returned Payment Fee: Up to $25
- Disclosure: If you are charged interest, the charge will be no less than $1.00. Cash Advance Fee: 3%, Min $10 Late Fee up to $39
**Recommended credit:
Fair
Annual fee
$39
Intro APR
N/A
Ongoing APR
35.99%*
Balance transfer
N/A
**Recommended credit
N/A
Walmart MoneyCard
Walmart MoneyCard®
- Waive your monthly fee when you direct deposit $500+ in previous monthly period. Otherwise, $5.94 a month.*
- Earn 3% cash back at Walmart.com, 2% cash back at Walmart fuel stations, & 1% cash back at Walmart stores, up to $75 each year.*
- Earn 2% interest rate on up to $1,000 balance in your savings account. Plus, get chances to win cash prizes each month!*
- Get peace of mind with three coverage levels, up to $300, for purchase transactions with opt-in & eligible direct deposit.*
- *Please see site for full terms and conditions.
**Recommended credit:
N/A
Annual fee
$0
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
**Recommended credit
Fair - Poor
Aspire Card
Aspire® Cash Back Rewards Mastercard
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% 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 Credit Score†
- *See Program Terms for important information about the cash back rewards program.
- ** Prequalify means that you authorize us to make a soft inquiry into your credit history (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.
**Recommended credit:
Fair - Poor
Annual fee
$85-$175 first year, $229 thereafter
Intro APR
N/A
Ongoing APR
36% Fixed
Balance transfer
N/A
**Recommended credit
Good-Fair-Poor
Sezzle
Sezzle
- Sezzle enables you to obtain no-interest loans for purchases.
- No hard credit check.
- Simple, transparent 6-week payment plan.
- With the Sezzle subscription, Sezzle Anywhere, shoppers can shop at any retailer (in store and in person) and pay in 4 with Sezzle.
**Recommended credit:
Good-Fair-Poor
Annual fee
$0
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
**Recommended credit
All Credit Types Considered
GO2bank
GO2bank™
- Overdraft protection up to $300 with opt-in and eligible direct deposit*
- No monthly fees with eligible direct deposit, otherwise $5 per month
- Earn up to 7% cash back when you buy eGift Cards in the app
- Get your pay up to 2 days early - Get your government benefits up to 4 days early.*
- High-yield savings account, 4.50% APY paid quarterly on savings up to $5,000.*
- *Terms and conditions apply. GO2bank™ cards are issued by Green Dot Bank, Member FDIC, pursuant to a license from Visa U.S.A., Inc. Visa is a registered trademark of Visa International Service Association. Overdraft fees may apply. Click Apply Now to learn more.
**Recommended credit:
All Credit Types Considered
Annual fee
N/A
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
**Recommended credit
Fair-Poor
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Use Anywhere Mastercard is Accepted
- No Security Deposit
- $0 fraud liability**
- Free access to your Credit Score†
- *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.
**Recommended credit:
Fair-Poor
Annual fee
$85-$175 first year, $229 thereafter
Intro APR
N/A
Ongoing APR
36% Fixed
Balance transfer
N/A
* For complete information, see the terms and conditions on the credit issuer or provider's website. Once you click "Apply Now", you will be directed to the issuer or provider's website where you may review the terms and conditions before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer or provider itself. The offers are provided by third-parties from whom Credit.com receives compensation. Credit.com will not call you about any credit application resulting from the above offers, and will not ask you over the phone, via email or otherwise for financial information or other sensitive personal data.
** FICO scores and 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 credit offer.
†Advertiser Disclosure: Credit.com receives compensation for the products and services advertised on this site if our users apply for and sign up for any of them.
Below, we highlight factors you should consider when evaluating and applying for a credit card for fair credit.