Credit Cards

Find the best cards even if you have fair credit

Our curated selection of the very best credit card options for people with fair credit scores. Check our post and see which would fit your financial lifestyle!

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by Victória Lourenço

Published on 05/05/2022

Fair credit? We help you with the best card options: rest assured that you’ll find the ideal one for you!

Find the best cards for those with fair credit! Source: Adobe Stock
Find the best cards for those with fair credit! Source: Adobe Stock

Fair credit scores often lie in the middle of very good and less accessible card options and very bad and undesired offers. Navigating your way through these many different possibilities can be challenging even for the more experienced credit adventurer! Check our curated selection of the best cards for people with fair credit scores before deciding!

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Our best card recommendations if you have fair credit!

Keep reading and check our suggestions for the best cards for fair credit scores below. Surely there’s something perfect for your financial needs!

Reflex Mastercard®

Credit ScoreAll scores.
Annual Fee$75 to $99.
Regular APR24.99% to 29.99%, variable.

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Reflex Mastercard® Card Highlights

It offers an opportunity for you to rebuild your credit score. It grants monthly credit score tracking! Plus, you can check your credit score for free.

  • Check your credit score for free.
  • Reports to all major credit bureaus.

This could be an option if you want to rebuild your score solidly with a reliable card. Check below and learn how to apply!

Reflex Mastercard

How do you get the Reflex Mastercard® credit card

Do you think that the Reflex Mastercard card can be good for your situation? So, keep reading to know how to apply for this credit rebuilding card!

Reflex Mastercard

Reflex Mastercard® credit card full review

You can get the Reflex Mastercard credit card to reestablish your score. Keep reading our full review to know more about this card!

Merrick Bank Double Your Line® Secured Visa®

Credit ScoreFair.
Annual Fee$36 in the first year, then $3 per month.
Regular APR17.70%, variable APR.

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Merrick Bank Double Your Line® Secured Visa® Card Highlights

A $400 credit line for you, this card reports to all major credit bureaus and allows free credit score tracking!

  • $200 deposit doubled to a $400 credit line.
  • Check your credit score for free.

This card offers a solid option for those who want to rebuild credit while having access to a solid credit card. Check our post and learn how to apply!

Merrick Bank Visa

How to get the Merrick Bank Double Your Line® card

Merrick Bank helps you build credit history through its credit cards. Learn now how to apply for a Merrick Bank Double Your Line® Secured Visa® credit card!

Merrick Bank Visa

Merrick Bank Double Your Line® Secured card review

For those with a bad credit history, applying for traditional credit cards might be frustrating. Let’s present to you the Merrick Bank Double Your Line® Secured Visa®!

Fit Mastercard

Credit ScoreFair.
Annual Fee$99.
Regular APR22.99%, variable APR

Fit Mastercard Card Highlights

An accessible and solid option for you to grow your credit score, with monthly reporting to all major credit bureaus.

  • $0 fraud liability.
  • Very accessible.

A simple way to get your finances in order and your credit score from fair to good, or even excellent! See the post below on how to apply now!

Fit Platinum Mastercard

How do you get the Fit Mastercard credit card?

Do you need to organize your finances and clear debt? The Fit Mastercard card can be a great option for you. Keep reading our post about how to get this card!

Fit Platinum Mastercard

Fit Mastercard credit card full review

The Fit Mastercard credit card can help you rebuild your credit and finances. If you want to know more about this card, keep reading our full review!

NetFirst Platinum

Credit ScoreNo credit check.
Annual FeeNo annual fees. $14.77 monthly membership fee.
Regular APR0% APR.

NetFirst Platinum Card Highlights

A good way to build good credit practices, this card doesn’t check your score and reports to one major credit bureau. Its differential lies in the no APR benefit!

  • No annual fees.
  • No APR.
  • Multiple varied benefits.

If you think this card might be a good fit to upgrade your score and get a level up, see how to apply in the post below!

NetFirst Platinum

How to get the NetFirst Platinum credit card?

Horizon Card Services features another store card with no credit or employment checks. Read how to apply for a NetFirst Platinum card on this post!

NetFirst Platinum

NetFirst Platinum card full review

A credit card that doesn’t check credit or employment so you can apply for it and get instant approval: read the NetFirst Platinum review!

Mission Lane Visa®

Credit ScoreFair.
Annual Fee$59.
Regular APR26.99% to 29.99%, variable APR.

Mission Lane Visa® Card Highlights

Kickstart your financial life growth with this card, a solid choice that relies on openness and transparency as a business method!

  • No hidden fees.
  • Tools on credit education.
  • Mobile app.

To get your fair score up, a simple take on the credit card format, why settle? See how to apply below!

Mission Lane Visa® card

How to get the Mission Lane Visa® credit card?

Get a Mission Lane Visa® credit card and begin right now your credit journey so you can start 2022 on the right foot. See how to apply for it!

Mission Lane Visa® card

Mission Lane Visa® card full review

Let’s present to you the Mission Lane Visa® review so you can start 2022 rebuilding your credit score. Stick with us to learn all about it!

Indigo® Mastercard® for Less than Perfect Credit

Credit ScoreFair.
Annual Fee$0 to $99.
Regular APR24.90%, fixed APR.

Indigo® Mastercard® for Less than Perfect Credit Card Highlights

A very safe option, the Indigo® Mastercard® for Less than Perfect Credit card is a good choice to build your score upwards, with some premium benefits on the side.

  • Online banking.
  • Mastercard Airport Concierge.
  • No deposit is required.

With the Mastercard® brand, you can have good coverage almost everywhere! Check below how to apply!

Indigo® Mastercard® for Less than Perfect Credit

Get the Indigo® for Less than Perfect credit card

Indigo® Mastercard® for Less than Perfect Credit card is an excellent choice for those looking for a little help with their credit-building. Learn how to apply for it!

Indigo® Mastercard® for Less than Perfect Credit

Indigo® for Less than Perfect card full review

Do you have a perfect credit score to apply for a card? If not, don’t worry! Check out the Indigo® Mastercard® for Less than Perfect Credit review!

Indigo® Mastercard® with Fast Pre-qualification

Credit ScoreFair.
Annual Fee$0 to $99.
Regular APR24.90%, fixed APR.

Indigo® Mastercard® with Fast Pre-qualification Card Highlights

Its pre-qualification process doesn’t harm your credit score and is super quick and simple to approve, all so you can establish good credit practices while using a solid credit card.

  • Fast approval.
  • Online banking.
  • No deposit is required.

If you’d like to apply for this even quicker, see our post below to learn about its application process!

Indigo® Mastercard® with Fast Pre-qualification

Get the Indigo® Fast Pre-qualification card

Indigo® Mastercard® with Fast Pre-qualification card features a super-fast pre-qualification without harming your credit score. Check out how to apply for one!

Indigo® Mastercard® with Fast Pre-qualification

Indigo® with Fast Pre-qualification review

In this Indigo® Mastercard® with Fast Pre-qualification review article, we will show you how it works and how it helps you re-establish an excellent financial journey.

Fortiva® Mastercard®

Credit ScoreNo score.
Annual Fee$29 to $175.
Regular APR22.74% to 36%, variable APR.

Fortiva® Mastercard® Card Highlights

The Fortiva® Mastercard® may be the one you’ve been looking for to boost your credit further! It can be a solid credit card for your economic life, featuring online banking and contactless technology!

  • Decrease in annual fees after one year of subscription.
  • Unsecured credit card.
  • $0 fraud liability.

Even with some fees, the Fortiva® Mastercard® may be a good choice for you, depending on the type of card you’d like for your credit goals! See below our post on how to apply!

Fortiva® Mastercard®

How to apply for the Fortiva® Mastercard® card?

If you need a credit card to help you increase your score and save money, check out our post about the Fortiva® Mastercard® card application and apply!

Fortiva® Mastercard®

Fortiva® Mastercard® card full review

Are you looking for a card with $0 Fraud Liability that can help you increase your score? Read our Fortiva® Mastercard® card review to learn more!

Surge Secured Mastercard®

Credit ScoreNot required.
Annual Fee$69.
Regular APR19.99%, variable APR.

Surge Secured Mastercard® Card Highlights

An accessible card featuring a reward plan on all purchases helps you build your credit while saving money.

  • 1% cashback on all eligible purchases.
  • $0 fraud liability.
  • Refundable deposit.

Being a Mastercard®, this option is accepted virtually anywhere! See our step-by-step post below to learn how to apply for this card.

Surge Secured Mastercard®

How to get the Surge Secured Mastercard® card?

Surge Secured Mastercard® credit card allows you to build your credit score while purchasing and getting cashback for it. Learn now how to apply for this card!

Surge Secured Mastercard®

Surge Secured Mastercard® card full review

Check out the Surge Secured Mastercard® review and learn all about its benefits, such as Zero Fraud Liability Protection and cashback!

Destiny Mastercard®

Credit ScoreFair.
Annual Fee$125 intro period, then $49.
Regular APR35.9%, fixed.

Destiny Mastercard® Card Highlights

An unsecured and accessible card with a fixed APR, this one will help you build your score, all while enjoying some of its benefits!

  • Unsecured credit card.
  • Fixed APR.
  • $0 fraud liability.

To get your hands on this solid option, check our post below and learn how to apply!

Destiny Mastercard®

How to get the Destiny Mastercard® credit card?

Finding a credit card that's right for you is hard. We've done the research and found one that offers amazing benefits. Check how to apply for the Destiny Mastercard®!

Destiny Mastercard®

Destiny Mastercard® credit card full review

The high point of the Destiny Mastercard® credit card is that it doesn’t require a security deposit before using it. But, before making up your mind, read our review!

Total Visa®

Credit ScoreFair.
Annual Fee$75 intro period, then $48.
Regular APR34.99%, fixed.

Total Visa® Card Highlights

This card reports to all major credit bureaus and has a manageable monthly payment plan.

  • Fast application process.
  • $300 credit limit.

See how to apply below in our step-by-step post!

Total Visa® Card

How to apply for a Total Visa® Card?

The Total Visa® Card does not require a security deposit, and it can help you build credit. So, keep reading to know how to get this card!

Total Visa® Card

Total Visa® Card full review

The Total Visa® Card can be an excellent option for those who need to build credit. So, keep reading our full review to know more about its benefits!

Milestone® Mastercard® – Less Than Perfect Credit Considered

Credit ScorePoor.
Annual Fee$35 to $99.
Regular APR24.90%, fixed.

Milestone® Mastercard® – Less Than Perfect Credit Considered Card Highlights

This card doesn’t require a deposit and provides online banking while helping you build good credit!

  • Warranty and fraud protection.
  • Accessible.
  • Reports to all major credit bureaus.

See how to apply below in our step-by-step post!

Milestone® Gold Mastercard® Card

How to get the Milestone® Mastercard®?

The Milestone® Mastercard® – Less Than Perfect Credit Considered card application is straightforward and features a pre-qualification process. See all there is to it!

Milestone® Gold Mastercard® Card

Milestone® Mastercard® full review

Build credit and achieve your goals with a Milestone® Mastercard® – Less Than Perfect Credit Considered! Learn more about its benefits in this review!

Milestone® Mastercard® – Unsecured For Less Than Perfect Credit

Credit ScorePoor.
Annual Fee$35 for the first year and $35 after that.
Regular APR24.9% variable APR.

Milestone® Mastercard® – Unsecured For Less Than Perfect Credit Card Highlights

This credit card offers a $300 credit limit for its cardholders. Also, it only takes a few seconds to get your application response. Plus, the application process won’t impact your score.

  • Card will send all your reports to the major credit bureaus.
  • Access to Fraud Protection.

If you want to know how to apply for this Milestone credit card, check out our post below!

Milestone® Mastercard® – Unsecured For Less Than Perfect Credit Card

How to apply for the Milestone® Mastercard®

The Milestone® Mastercard® – Unsecured For Less Than Perfect Credit accepts people with low credit scores. So, if you need a card like this, check out how to apply for it

Milestone® Mastercard® – Unsecured For Less Than Perfect Credit Card

Milestone® Mastercard® Unsecured review

The Milestone® Mastercard® – Unsecured For Less Than Perfect Credit is an excellent option for those with not-so-good scores. Plus, you can access your account 24/7!

Keep your fair score: use your credit card the right way 

Learn how to use your credit card to keep your score! Source: Adobe Stock
Learn how to use your credit card to keep your score! Source: Adobe Stock

Now that you’ve learn our suggestions for the best cards for fair credit, you should know that credit cards shouldn’t be used without wisdom, that is common sense. But to have the knowledge necessary to wield credit power wisely, one must know which sources of information to trust. Allow us to invite you for a taste of what we have to offer, and check our post below to learn what to consider when using your credit card!

zoom of credit cards

How to use credit cards properly: 8 easy tips

Learning how to use credit cards properly doesn't need to be difficult. Instead, come and check it out our tips.

About the author

Victória Lourenço

Victória Lourenço is part of the finance writer team for The Mister Finance website. She is a translator and copywriter, having worked on finance topics for over four years. She has a goal to keep studying finances to help people learn more about how to use their credit cards, make loans, and use other money-related products in a way that they can find a more meaningful and healthy financial life!

Reviewed by

Aline Barbosa

Senior Editor

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