Best Credit Cards for Fair Credit 2026
Fair credit (typically 580–669) doesn't have to limit your options. Several solid credit cards are designed for this range — with reasonable fees, credit-building features, and a path to better terms as your score improves. Compare the best cards for fair credit here.
Top Picks
Revvi Card
MRV Banks
Annual Fee
See Terms*
Credit Needed
Poor/Fair
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.99%*
- 2X Rewards Power – Up To 10% Cash Back when you buy and 1% Cash Back when you pay!^^
- An initial credit limit Up To $500 (See terms*)
- Opportunity to request credit limit increase after twelve months, fee applies.
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- A Card That Works as Hard as You Do – Earn Up to 10% Cash Back Rewards at select merchants, 1% on Payments and Build¹ Your Credit Along the Way!^^
- Reports monthly to all three major credit bureaus.
- *See Rates, Fees, Costs & Limitations for complete offer details
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score. Results vary.
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See Revvi Rewards Programs Terms & Conditions for details.
First Access Visa® Card
The Bank of Missouri
Annual Fee
See Terms*
Credit Needed
Fair
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.99%*
- An initial credit limit Up To $500! (See terms*)
- First Access gives you 1% Cash Back – perfect credit not required!
- Applying only takes a few minutes, and we will provide a credit response in 60 seconds or less.
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- Manage your account & 1% Cash Back Rewards on the First Access Card Mobile App!
- *See Rates, Fees, Costs & Limitations for complete offer details
- See First Access Rewards Programs Terms & Conditions for details
Milestone® Mastercard® - $1,000 Credit Limit
The Bank of Missouri
Annual Fee
$250 the first year; $99 thereafter
Credit Needed
Fair
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90%
- Guaranteed $1,000 credit limit if approved.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Don't Have Perfect Credit? No Problem!
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- Join over a million consumers who are working on building their access to credit.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
- No security deposit, and a path to better credit.
Fortiva® Cash Back Rewards Mastercard
The Bank of Missouri
Annual Fee
$85-$175 first year, $229 thereafter
Credit Needed
Fair
Rewards Rate
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
36% Fixed
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Use Anywhere Mastercard is Accepted
- No Security Deposit
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- $0 fraud liability**
- Free access to your Credit Score† *See Program Terms for important information about the cash back rewards program. **Fraud liability subject to Mastercard rules. † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Tilt Motion Card
WebBank
Annual Fee
$0
Credit Needed
Fair, Limited History, No History, Limited, No Credit
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
28.24% - 33.24% Variable
- 1-10% cash back at select national merchants
- No Credit Score? No problem. Credit history isn’t required for approval
- No annual fee and no security deposit required
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- Credit limit increases in as early as 4 months for qualified borrowers
- Build credit alongside hundreds of thousands of Tilt card members
- Tilt reports to all 3 major credit bureaus
- Freeze your card in the mobile app at any time for peace of mind
- Zero liability fraud coverage
- Card issued by WebBank
Aspire® Cash Back Rewards Mastercard
The Bank of Missouri
Annual Fee
$85-$175 first year, $229 thereafter
Credit Needed
Fair
Rewards Rate
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
36% Fixed
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- Prequalify** without affecting your credit score
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- No security deposit
- Free Access to your Credit Score† *See Program Terms for important information about the cash back rewards program. ** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required. † Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.
Credit One Bank® Platinum Visa®
Credit One Bank®
Annual Fee
$39
Credit Needed
Bad/Fair/Good
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
29.74%* Variable
- Earn 1% cash back rewards on eligible gas, grocery purchases and mobile phone service, internet, cable and satellite TV services, terms apply
- With $0 Fraud Liability, you won’t be responsible for unauthorized charges
- Automatic reviews for credit line increase opportunities
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- Free Online Credit Score and Credit Report summary, terms apply
- Choose your monthly payment due date for added convenience, terms apply
- Never miss an account update with customizable text and email alerts
- Manage your account on-the-go with the Credit One Bank mobile app
Destiny® Mastercard® with Instant Credit
The Bank of Missouri
Annual Fee
$175 the first year; $49 thereafter
Credit Needed
Fair
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90%
- A guaranteed $700 credit limit to help get your financial goals on track, if approved.
- Don't wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
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- No security deposit, just instant purchasing power. See Terms.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Get the credit you deserve, even with less-than-perfect history.
Imagine® Visa® Credit Card
WebBank
Annual Fee
As low as $99
Credit Needed
Fair/Poor
Rewards Rate
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
36% Fixed
- Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
- Up to $1,000 credit limit subject to credit approval
- $0 fraud liability**
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- No Security Deposit
- The Imagine Card is issued by WebBank
- Review Cardholder Agreement for rate and fee information *See Program Terms for important information about the cash back rewards program. **Zero liability subject to Visa’s Zero Liability Policy.
Indigo® Mastercard® - $1,000 Credit Limit
Celtic Bank
Annual Fee
See Terms
Credit Needed
Fair
Rewards Rate
N/A
Purchase APR
N/A
Balance Transfer
N/A
Regular APR
35.90%
- Get the credit limit you deserve—$1,000 guaranteed if approved
- Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
- Get the credit you deserve, even with less-than-perfect history.
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- Trusted by more than a million customers with reporting to all three major credit bureaus so you get credit for all of your hard work.
- Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
- Don't Have Perfect Credit? No Problem!
- No security deposit, just purchasing power.