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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Deserve Edu

18.74% Variable APR

N/A

$0

Good / Limited CreditApply NowView Card Details
  • Enjoy Amazon Student Prime Membership on us for a year , must be a student to qualify.
  • Earn 1% cash back on all purchases automatically.
  • No Social Security Number required for International Students and no credit history required.
  • No Annual Fee, No Foreign Transaction Fees, and No Late Fee on first late payment.
  • Cell Phone Protection up to $600 when you pay your cell phone bill with Deserve EDU Mastercard along with Mastercard Platinum Benefits
  • More Perks You Deserve: Mint Mobile: Three Months of Text + Talk! Use your Deserve Mastercard to sign up and pay for any Mint Mobile wireless plan and you'll get a $45 statement credit. Lemonade Insurance Rebate - Pay for 3 consecutive monthly insurance from Lemonade with your Deserve card and get a $10 statement credit. Feather Furniture Rental - Use your Deserve card to rent furniture from Feather and enter promo code DESERVE100 to get $100 off your first month's rental.
  • Start/Stop card use + stay current with your FICO score with the Deserve mobile app.
  • Start building credit responsibly and enjoy the perks of being a student
  • No Deposit Required.
NASCAR® Credit Card from Credit One Bank®

17.99% to 23.99% Variable APR

N/A

$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
Indigo® Platinum Mastercard®

24.9% APR

N/A

$0 - $99

Fair / Good CreditApply NowView Card Details
  • Easy pre-qualification process with fast response
  • Don't have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.
Upgrade Card

6.99% - 29.99% APR

N/A

$0

Excellent, Good, Fair, Average CreditApply NowView Card Details
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • 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
Indigo® Mastercard® with Fast Pre-qualification

24.9% APR

N/A

$0 - $99

Fair / Good CreditApply NowView Card Details
  • Our pre-qualification process does not affect your credit score
  • Keeping your account in good standing may help establish and/or improve your credit
  • 24/7 access to your account, even on mobile!
  • Protection from fraud, if your card happens to be lost or stolen
  • Account history is reported to the three major credit bureaus in the U.S.
Indigo® Platinum Mastercard®

24.9% APR

N/A

$0 - $99

Fair / Good CreditApply NowView Card Details
  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
Indigo® Unsecured Mastercard®

24.9% APR

N/A

$0 - $99

Fair / Good CreditApply NowView Card Details
  • Pre-qualify today without an impact on your credit score
  • Keeping your account in good standing may help establish and/or improve your credit
  • Access your account online or from your mobile device 24/7
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
Indigo® Unsecured Mastercard® - Prior Bankruptcy is Okay

24.9% APR

N/A

$0 - $99

Fair / Good CreditApply NowView Card Details
  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.
  • Enjoy Amazon Student Prime Membership on us for a year , must be a student to qualify.
  • Earn 1% cash back on all purchases automatically.
  • No Social Security Number required for International Students and no credit history required.
  • No Annual Fee, No Foreign Transaction Fees, and No Late Fee on first late payment.
  • Cell Phone Protection up to $600 when you pay your cell phone bill with Deserve EDU Mastercard along with Mastercard Platinum Benefits
  • More Perks You Deserve: Mint Mobile: Three Months of Text + Talk! Use your Deserve Mastercard to sign up and pay for any Mint Mobile wireless plan and you'll get a $45 statement credit. Lemonade Insurance Rebate - Pay for 3 consecutive monthly insurance from Lemonade with your Deserve card and get a $10 statement credit. Feather Furniture Rental - Use your Deserve card to rent furniture from Feather and enter promo code DESERVE100 to get $100 off your first month's rental.
  • Start/Stop card use + stay current with your FICO score with the Deserve mobile app.
  • Start building credit responsibly and enjoy the perks of being a student
  • No Deposit Required.
  • 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
  • Easy pre-qualification process with fast response
  • Don't have perfect credit? No problem!
  • 24/7 access to your account, even on mobile!
  • No security deposit
  • Account history is reported to the three major credit bureaus in the U.S.
  • Combine the flexibility of a card with the low cost and predictability of a loan
  • $0 fees - $0 annual fee, $0 activation fees, $0 maintenance fees
  • No touch payments with contactless technology built in
  • See if you qualify in minutes without hurting your credit score
  • Access to a virtual card while you wait for your card to arrive in the mail
  • 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
  • Our pre-qualification process does not affect your credit score
  • Keeping your account in good standing may help establish and/or improve your credit
  • 24/7 access to your account, even on mobile!
  • Protection from fraud, if your card happens to be lost or stolen
  • Account history is reported to the three major credit bureaus in the U.S.
  • Easy pre-qualification process with fast response
  • Less than perfect credit is okay
  • Online servicing available 24/7 at no additional cost
  • Unsecured credit card, no security deposit required
  • Account history is reported to the three major credit bureaus in the U.S.
  • Pre-qualify today without an impact on your credit score
  • Keeping your account in good standing may help establish and/or improve your credit
  • Access your account online or from your mobile device 24/7
  • Protection from fraud if your card is stolen
  • Account history is reported to the three major credit bureaus in the U.S.
  • Pre-qualifying today will not affect your credit score
  • Less than perfect credit histories can qualify, even with prior bankruptcy!
  • Mobile friendly online access from anywhere
  • Fraud protection for stolen or lost cards
  • Account history is reported to the three major credit bureaus in the U.S.

  • 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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