US National Credit Cards

Credit Card Offers For Fair Credit

Below are credit card offers for fair credit. These offers will provide built in benefits and some will even have 0% APR introductory rates and rewards. Compare offers below and choose one that will fit your needs.

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8 Offers -

Oportun® Visa® Credit Card

Rewards: None
Good, Fair, Limited or No Credit
  • Credit line up to $1,000 – get a response in minutes
  • No security deposit or credit history required to apply
  • Zero Fraud Liability – you won’t be responsible for unauthorized charges
  • Automatic reviews for credit line increase
  • Worldwide acceptance in stores or online
  • Start establishing credit history – monthly reporting to all 3 major credit bureaus
  • 24/7 online account management – friendly support in English and Spanish
  • If you are assessed a finance charge, it will be no less than $1.00
  • Card issued by WebBank, Member FDIC
  • You must respond directly to this offer to receive these terms. Applications in response to other offers may result in different terms. See the online provider's credit card Cardholder Agreement for details about terms and conditions. Reasonable efforts are made to maintain accurate information. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the provider's website.
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 24.90%-29.90% Variable $0 - $49 Be the First
Upgrade Cash Rewards Visa®

Rewards: Cash Back
For Fair to Good Credit
  • $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
  • 1.5% unlimited cash back on every purchase
  • No annual fee
  • See if you qualify in seconds with no impact to your credit score
  • Combine the flexibility of a card with the predictability of a personal loan
  • Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection, and more
  • Up to 10% cash back from your favorite brands with Upgrade Shopping
  • Contactless payments with Apple Pay® and Google Wallet™
  • Mobile app to access your account anytime, anywhere
  • Use your card anywhere Visa is accepted
  • Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
  • See Rates & Fees
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A $200 Bonus 14.99% - 29.99% APR $0 Be the First
Applied Bank® Secured Visa® Gold Preferred® Credit Card

Rewards: None
For Fair, Bad, Limited Credit
  • 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
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 9.99% Fixed $48 Be the First
Revvi Card

Rewards: Cash Back
For Fair or Poor Credit

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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 35.99%* $75.00 1st year, $48.00 after* Be the First
Surge® Platinum Mastercard®

Rewards: None
For Fair to Bad Credit
  • 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.
  • 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
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 35.90% Fixed $75 - $125 1 Review
Milestone® Mastercard®

Rewards: None
For Fair to Bad Credit
  • 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
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None See terms See terms Be the First
FIT™ Platinum Mastercard®

Rewards: None
For Fair to Bad Credit
  • $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 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)
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Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 35.90% Fixed See terms Be the First
Reflex® Platinum Mastercard®

Rewards: None
For Fair, Bad, Limited Credit
  • 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
compare selected
Balance Transfer Intro. Purchases Intro Bonus Offer Regular APR Annual Fee Reviews
N/A N/A None 35.90% Fixed $75 - $125 Be the First


†See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However all credit card information is presented without warranty. When you click on the "Apply Now" button, you can review the credit card terms and conditions on the issuers website.

 Advertiser Disclosure: The credit card offers that appear on this site are from credit card companies from which USNationalCreditCards.com receives compensation. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). USNationalCreditCards.com does not include all credit card companies or all available credit card offers.

Editorial Disclosure: The editorial content on this page is not provided by any bank, credit card issuer, airlines or hotel chain, and has not been reviewed, approved or otherwise endorsed by any of these entities. Opinions expressed here are author's alone, not those of the bank, credit card issuer, airlines or hotel chain, and have not been reviewed, approved or otherwise endorsed by any of these entities