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Best credit cards for fair credit scores
Fair credit shouldn't hold you back. Unleash your financial potential with a selection of instant approval credit cards for fair credit. Compare top offers, unlock rewards, and build a stronger credit score.
Upgrade Select Visa Credit Card
Recommended Credit: 580-740 (Fair to Good).
Credit Line: Ranging from $500 to $2,000.
Cashback Rewards: Up to 10% cash back with Upgrade Shopping.
Welcome Bonus: $200 bonus when you open a Rewards Checking Plus account and make 3 debit card transactions.
Annual fee: $39 annual fee applies.
APPLY NOW
Destiny Mastercard® – $700 Credit Limit
Greater access to credit than before – $700 credit limit
Unsecured credit card, no security deposit required
Worry-free Fraud Protection* if your card is lost or stolen
Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
Quick and easy application process with a typical decision in 60 seconds or less
24/7 access to your account, even on mobile!
Reports to all three major credit bureaus
APPLY NOW
Surge® Platinum Mastercard®
Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time).
All credit types welcome to apply!
Initial Credit Limit of $300 – $1,000 (subject to available credit)
Monthly reporting to the three major credit bureaus
See if you’re Pre-Qualified without impacting your credit score
Fast and easy application process; results in seconds
Online account access 24/7
Checking Account Required
APPLY NOW
FIT™ Platinum Mastercard®
$400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
All credit types welcome to apply
Monthly reporting to the three major credit bureaus
Initial Credit Limit of $400.00 (Subject to available credit)
Fast and easy application process; results in seconds
Use your card at locations everywhere Mastercard® is accepted
Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
Checking Account Required
APPLY NOW
Milestone Mastercard® – $700 Credit Limit
Greater access to credit than before – $700 credit limit
No security deposit required, even with less than perfect credit
Account history is reported to the three major credit bureaus in the U.S.
Get a Mastercard accepted online, in store and in app
24/7 access to your account information, even on mobile
Applying is quick and easy with our fast decision process
APPLY NOW
Reflex® Platinum Mastercard®
Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time).
See if you’re Pre-Qualified with no impact to your credit score
All credit types welcome to apply!
Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
Initial Credit Limit of $300 – $1,000 (subject to available credit)
Monthly reporting to the three major credit bureaus
Fast and easy application process; results in seconds
Use your card at locations everywhere Mastercard® is accepted
Checking Account Required
APPLY NOW
How paying on time can help improve credit
Pay on time every month and never max out your credit limit to gain points credit points. It doesn't take long to improve your scores. In fact, credit scores are dynamic and can fluctuate by 100 points in a single month.
Aim to keep your credit card balances below 30% of your credit limit for each card and overall. So, if your credit limit is $1,000, keep your balance below $300. If you really want a boost in scores, try to keep balances below 7% like people with excellent credit scores.
Higher credit scores will get you the best cash back rewards credit cards and travel points cards.
Learn why timing is key to boosting your credit scores.
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