Credit Cards for Fair Credit or No Credit

A person with a fair or average credit rating may have not enough record of active credit on their credit report. This is common for students, new immigrants, or people who have defaulted on a loan before. Some entry-level credit cards are designed for people with limited or no credit to help them build credit history. If you are a college student, you may also want to check our student credit cards. If you have already damaged your credit and are eager to rebuild it, you can start with credit cards for people with bad credit.

Credit CardsPurchase APRTransfer InfoAnnual Fee Credit Level
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Capital One® Platinum Credit Card

26.46% (Variable) APR

26.46% (Variable) APR

No balance transfer fee

$0

Average, Fair, Limited CreditApply NowView Card Details
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
Journey® Student Rewards from Capital One®

26.46% (Variable) APR

26.46% (Variable) APR

No balance transfer fee

$0

Average, Fair, Limited CreditApply NowView Card Details
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone
Deserve Edu

20.49% Variable APR

20.49% Variable APR

$0

Good / Limited CreditApply NowView Card Details
  • Complimentary Amazon Student Prime (Lifetime Value worth $59)
  • 1% cash back on all purchases
  • Cellphone Protection
  • Extended Warranty
  • Mastercard Platinum Benefits
  • $0 Annual Fee
  • 20.49% variable APR
Deserve Pro

17.74% - 24.74% Variable APR

17.74% - 24.74% Variable APR

$0

Fair / Good / Excellent CreditApply NowView Card Details
  • Cellphone Protection
  • Extended Warranty
  • Mastercard Platinum Benefits
  • $0 Annual Fee
  • 17.74%-24.74% variable APR
Credit One Bank® Platinum Visa® with Cash Back Rewards

19.99% - 25.99% Variable APR

19.99% - 25.99% Variable APR

$0 - $99

Fair CreditApply NowView Card Details
  • Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you're at home or on-the-go.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
  • Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.
Capital One® Spark® Classic for Business

24.74% (Variable) APR

24.74% (Variable) APR

No balance transfer fee

$0

Average, Fair, Limited CreditApply NowView Card Details
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
Capital One® QuicksilverOne® Cash Rewards Credit Card

26.46% (Variable) APR

26.46% (Variable) APR

No balance transfer fee

$39

Average, Fair, Limited CreditApply NowView Card Details
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app
NASCAR® Credit Card from Credit One Bank®

19.99% - 25.99% Variable APR

19.99% - 25.99% Variable APR

$0 - $99

Fair CreditApply NowView Card Details
  • 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 Shop, terms apply
  • No need to fret-you're covered by $0 Fraud Liability
  • Accounts are automatically reviewed for credit line increase opportunities
  • 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
Target REDcard Credit Card

See Terms*

N/A*

$0

Excellent, Good, Fair CreditApply NowView Card Details
  • Earn 5% cash back on top of Target's already low prices on every Target shopping trip, every day.
  • You'll automatically get 5% off when you use your card in Target stores in the United States and on Target.com.
  • Free shipping at target and target.com every day. Anything and everything gets free shipping when you use your REDcard at Target.com. Plus, there's no minimum purchase.
  • In addition to saving 5% off your purchases plus free shipping at Target.com, your REDcard lets you enjoy 30 extra days for returns.
  • No Annual Fee.
Home Depot Consumer Credit Card

0% intro APR
for 6 months

17.99% - 26.99% APR after that

17.99% - 26.99% APR

$0

Excellent, Good, Fair CreditApply NowView Card Details
  • Get the card, Save up to $100 today. This offer is redeemable for either a $25 discount on a single-receipt purchase of $25 up to $999; or a $100 discount on a single-receipt purchase of $1,000 or more within 30 days of your account open date at The Home Depot retail stores or homedepot.com. Valid 10/3-11/13/2019.
  • Extend your budget for making home repairs, updates and improvements.
  • 6 Months Financing* on purchases of $299 or more.
  • Up to 24 Months Financing* during special promotions.
  • 1-Year Hassle-Free Returns. That's 4X longer to make returns, just for being a cardmember.
  • Zero Liability On Unauthorized Charges.
Walmart Credit Card

19.15%, 22.15%, or 25.15% APR

19.15%, 22.15%, or 25.15% APR

$0

Excellent, Good, Fair CreditApply NowView Card Details
  • Save $25 when you open a Walmart Credit Card and spend $75 today
  • Earn unlimited cash back with the 3.2.1 Save™ Rewards Program
  • Save 3% on purchases made at Walmart.com, including Grocery Pickup purchases. Save 2% on Murphy USA & Walmart fuel. Save 1% anywhere your card is accepted.
  • Enjoy the Walmart Credit Card with no annual fee
  • Access your FICO® Score for free each month
  • $0 Fraud Liability
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you
  • Get access to your account 24 hours a day, 7 days a week
  • Help strengthen your credit for the future with responsible card use
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • Enjoy no annual fee and no foreign transaction fees
  • Get a head start and build your credit with responsible use
  • Get Eno®, your Capital One® assistant, to manage your account via text, receive alerts, and shop safer online
  • Pick the monthly due date that works best for you
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • $0 fraud liability if your card is ever lost or stolen
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • Complimentary Amazon Student Prime (Lifetime Value worth $59)
  • 1% cash back on all purchases
  • Cellphone Protection
  • Extended Warranty
  • Mastercard Platinum Benefits
  • $0 Annual Fee
  • 20.49% variable APR
  • Cellphone Protection
  • Extended Warranty
  • Mastercard Platinum Benefits
  • $0 Annual Fee
  • 17.74%-24.74% variable APR
  • Qualified applicants will enjoy benefits including 1% cash back rewards on all purchases, no annual fee, and a competitive APR. Terms apply
  • CreditOneBank.com and the Credit One Bank mobile app makes it easy to access and manage all your account information and make payments whether you're at home or on-the-go.
  • Zero Fraud Liability protects you if your card is ever lost or stolen. Rest easy knowing you won't be held responsible for unauthorized charges.
  • Use your Apple device to make purchases securely through Apple Pay®. Apple Pay is a registered trademark of Apple, Inc.
  • Keep an eye on your credit information with free online access to your Experian credit score. Terms apply.
  • Get access to billing statements online when you Go Paperless. Enjoy quicker access to your account documents without the hassle of having to wait ‘til they arrive in the mail.
  • Enjoy no annual fee
  • Earn 1% cash back on every purchase
  • Build business credit with responsible use
  • Fraud coverage if your card is ever lost or stolen
  • No foreign transaction fees
  • Enjoy business benefits including Year-End Summaries, employee cards at no extra cost and experienced small business customer service
  • Earn unlimited 1.5% cash back on every purchase, every day
  • Earn cash rewards without signing up for rotating categories
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Monitor your credit profile with the CreditWise® app, free for everyone
  • $0 fraud liability if your card is ever lost or stolen
  • No limit to how much cash back you can earn, and cash back doesn't expire for the life of the account
  • Help strengthen your credit for the future with responsible card use
  • Get customized alerts and manage your account with the Capital One mobile app
  • 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 Shop, terms apply
  • No need to fret-you're covered by $0 Fraud Liability
  • Accounts are automatically reviewed for credit line increase opportunities
  • 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
  • Earn 5% cash back on top of Target's already low prices on every Target shopping trip, every day.
  • You'll automatically get 5% off when you use your card in Target stores in the United States and on Target.com.
  • Free shipping at target and target.com every day. Anything and everything gets free shipping when you use your REDcard at Target.com. Plus, there's no minimum purchase.
  • In addition to saving 5% off your purchases plus free shipping at Target.com, your REDcard lets you enjoy 30 extra days for returns.
  • No Annual Fee.
  • Get the card, Save up to $100 today. This offer is redeemable for either a $25 discount on a single-receipt purchase of $25 up to $999; or a $100 discount on a single-receipt purchase of $1,000 or more within 30 days of your account open date at The Home Depot retail stores or homedepot.com. Valid 10/3-11/13/2019.
  • Extend your budget for making home repairs, updates and improvements.
  • 6 Months Financing* on purchases of $299 or more.
  • Up to 24 Months Financing* during special promotions.
  • 1-Year Hassle-Free Returns. That's 4X longer to make returns, just for being a cardmember.
  • Zero Liability On Unauthorized Charges.
  • Save $25 when you open a Walmart Credit Card and spend $75 today
  • Earn unlimited cash back with the 3.2.1 Save™ Rewards Program
  • Save 3% on purchases made at Walmart.com, including Grocery Pickup purchases. Save 2% on Murphy USA & Walmart fuel. Save 1% anywhere your card is accepted.
  • Enjoy the Walmart Credit Card with no annual fee
  • Access your FICO® Score for free each month
  • $0 Fraud Liability

  • Transform Your Life With Strong Credit and Savings
  • Credit Strong helps you build credit as you grow savings.
  • When you open your Credit Strong account, our bank instantly gives you a loan and places the loan funds in a FDIC insured savings account in your name. The savings account funds are locked to secure the loan.
  • We provide a free FICO® Score monthly so you can track your progress. 90% of top lenders use FICO Scores when making lending decisions.
  • Make small monthly payments of principal and interest on your loan. The principal is a payment to yourself and is credited towards the lock on your savings - the interest is what we earn for providing the service.
  • When your loan is repaid in full, the lock is removed from your savings account. You've built both credit and savings.
  • Credit Strong is a division of Austin Capital Bank, a 5-star rated independent community bank and member of the FDIC.
  • Credit Strong is NOT a credit repair service and does not remove negative credit history from your credit profile.

  • Get the savings plan that helps build credit today! No checking account or security deposit required.
  • Choose the amount you want to save and make monthly payments towards your savings goal.
  • Monthly payments are reported to the three major credit bureaus.
  • For Example: A $545.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.65%.

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