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Self Visa® Credit Card
- Regular Purchase APR 23.99%
- Annual Fee $25
- Credit Needed Fair , Poor , No Credit Required
- Processing Network Visa
- Get the savings plan that helps build credit today
- Start with a Credit Builder Account that reports monthly payments to all 3 major credit bureaus
- Sample product: A $539.00 Credit builder account, paid 12 times over one year would have a monthly payment of $48.00, and an Annual Percentage Rate of 15.97%. Please refer to www.self.inc/pricing for the most recent pricing options
- No credit score is needed to get started
- Your money is secured and protected in a bank account
- Regular Purchase APR: 23.99%
- Annual Fee: $25
- Late Payment Penalty Fee: Up to $15
- Return Payment Penalty Fee: Up to $15
Sable Secured Credit Card
- Regular Purchase APR 10.24% variable based on the Prime Rate
- Annual Fee None
- Credit Needed Fair , Poor
- Processing Network Mastercard
- Earn up to 2% cash back on select purchases
- Earn 1% cash back on all other purchases
- Cell phone protection included
- No annual fee
- No foreign transaction fees
- Regular Purchase APR: 10.24% variable based on the Prime Rate
- Return Payment Penalty Fee: Up to $30
- Minimum Deposit Required: $10
Mission Money Visa® Debit Card
- Annual Fee None
- Credit Needed Excellent , Good , Fair , Poor
- Processing Network Visa
- No account fees, no balance minimum
- Access to 55,000 ATMs nationwide, fee-free
- The coverage of VISA®, the security of FDIC
- Foreign Transaction Fee: $0
- Late Payment Penalty Fee: $0
- Return Payment Penalty Fee: $0
- Over Limit Penalty Fee: $0
Applied Bank® Secured Visa® Gold Preferred® Credit Card
- Regular Purchase APR 9.99% Fixed
- Cash Advance APR 9.99% Fixed
- Annual Fee $48
- Credit Needed Fair , Poor
- Processing Network Visa
- Better than Prepaid...Go with a Secured Card! Load One Time - Keep On Using
- Absolutely No Credit Check or Minimum Credit Score Required
- Automatic Reporting to All Three National Credit Bureaus
- 9.99% Low Fixed APR - Your Rate Won’t Go Up Even if You Are Late
- Activate Today with a $200 Minimum Deposit - Maximum $1,000
- Increase Your Credit Limit up to $5,000 by Adding Additional Deposits Anytime
- Regular Purchase APR: 9.99% Fixed
- Cash Advance APR: 9.99% Fixed
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater
- Annual Fee: $48
- Foreign Transaction Fee: 3% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $38
- Return Payment Penalty Fee: Up to $38
- Minimum Deposit Required: $200
Sam's Club® Mastercard®
- Regular Purchase APR 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Annual Fee None
- Credit Needed Excellent , Good , Fair
- Processing Network Mastercard
- Earn 5% cash back on gas anywhere Mastercard is accepted (on first $6,000 per year, then 1%)
- Earn 3% cash back on Sam's Club purchases for Plus members. Club members earn 1% cash back
- Earn 3% cash back on dining and takeout
- Earn 1% cash back on other purchases at Sam's Club and wherever Mastercard is accepted
- No annual fee
- Regular Purchase APR: 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Balance Transfer APR: 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 4% of the amount of each transfer, whichever is greater
- Cash Advance APR: 15.65% or 23.65% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $5 or 3% of the amount of each cash advance, whichever is greater
- Late Payment Penalty Fee: Up to $40
Merrick Bank Secured Visa® from Merrick Bank
- Regular Purchase APR 17.45% variable based on the Prime Rate
- Cash Advance APR 22.45% variable based on the Prime Rate
- Annual Fee $36 for first year. Billed $3 per month thereafter
- Credit Needed Good , Fair , Poor
- Processing Network Visa
- Choose your own credit line based on how much money you want to put down as a security deposit
- Initial deposits can be from $200 to $3,000. You can increase your credit line at any time by adding additional money to your security deposit, up to $3,000
- After 9 months, we review your account for a credit line increase. No additional deposit required!
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds
- Unlike a debit card or a pre-paid card, it helps build your credit history. As you pay your bill every month, we report to all three major credit-reporting agencies
- Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts.
- Card issued by Merrick Bank, Member FDIC
- Regular Purchase APR: 17.45% variable based on the Prime Rate
- Cash Advance APR: 22.45% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: $36 for first year. Billed $3 per month thereafter
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- Minimum Deposit Required: $200
Merrick Bank Double Your Line™ Secured Visa®
- Regular Purchase APR 17.45% variable based on the Prime Rate
- Cash Advance APR 22.45% variable based on the Prime Rate
- Annual Fee $36 the first year. Billed $3 per month thereafter
- Credit Needed Good , Fair , Poor
- Processing Network Visa
- Put down $200, which becomes your credit line. Then, if you qualify, double your credit line to $400 without making another deposit
- Double your $200 credit line by making at least your minimum payment on time each month for the first 7 months your account is open
- Secured Credit Cards are great for people looking to build or rebuild credit and are available to people with all kinds of credit backgrounds
- Unlike a debit card or a pre-paid card, it helps build your credit history. We report your payment history to all three major credit-reporting agencies
- Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with available Auto Pay and account alerts
- Card issued by Merrick Bank, Member FDIC
- Regular Purchase APR: 17.45% variable based on the Prime Rate
- Cash Advance APR: 22.45% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: $36 the first year. Billed $3 per month thereafter
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- Minimum Deposit Required: $200
Merrick Bank Double Your Line™ Platinum Visa® Credit Card
- Regular Purchase APR 19.45% to 28.45% variable based on creditworthiness and the Prime Rate
- Cash Advance APR 24.95% to 33.45% variable based on creditworthiness and the Prime Rate
- Annual Fee $0 to $72
- Credit Needed Good , Fair , Poor
- Processing Network Visa
- Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies. No security deposit required
- Double your credit line by making at least your minimum payment on time each month for the first 7 months your account is open
- See if you are pre-approved within minutes, without affecting your credit score
- Build or rebuild your credit. As you pay your bill every month, we report to all three major credit reporting agencies
- Get 100% U.S.-based customer service & get your FICO® Credit Score for free each month
- Fraud coverage if your card is lost or stolen. Access your account 24 hours a day, 7 days a week. Get help staying on track with Auto Pay and account alerts
- Card issued by Merrick Bank, Member FDIC
- Regular Purchase APR: 19.45% to 28.45% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 24.95% to 33.45% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of each cash advance, whichever is greater
- Annual Fee: $0 to $72
- Foreign Transaction Fee: 2% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
FIT Mastercard®
- Regular Purchase APR See Terms*
- Cash Advance APR See Terms*
- Annual Fee See Terms*
- Credit Needed Fair , Poor
- Processing Network Mastercard
- All credit types welcome to apply!
- Initial Credit Limit of $400.00!* (subject to available credit)
- $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
- Free access to your Vantage 3.0 score from Experian* (When you sign up for e-statements)
- Fast and easy application process; results in seconds
- Use your card at locations everywhere that Mastercard® is accepted
- Mastercard Zero Fraud Liability Protection (subject to Mastercard guidelines)
- Free online account access 24/7
- Checking Account Required
- Regular Purchase APR: See Terms*
- Cash Advance APR: See Terms*
- Cash Advance Transaction Fee: See Terms*
- Annual Fee: See Terms*
- Foreign Transaction Fee: See Terms*
- Late Payment Penalty Fee: See Terms*
- Return Payment Penalty Fee: See Terms*
Merit Platinum Card
- Regular Purchase APR 0%
- Annual Fee None
- Credit Needed Fair , Poor , No Credit Required
- Processing Network N/A
- Bad Credit, No Credit? No Problem
- Reports to Major Credit Bureau
- Fast and Easy Application
- No Employment or Credit Check
- Regular Purchase APR: 0%
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What Is a Fair Credit Score?
A fair, or average, credit score is one that isn’t good but still qualifies the individual for a wider selection of credit cards than those with bad credit or no credit history at all.
There are different standards of what is an “average” credit score, depending on the scoring model the card issuer uses. The two most popular scoring models are FICO and VantageScore. FICO is the older of the two, while VantageScore is a creation of the three major credit bureaus, designed to offer a different viewpoint to FICO.
FICO is by far the more popular scoring system, with over 90% of lenders preferring the FICO method to gauge an applicant’s creditworthiness. On the FICO scale, a “fair” credit score is between 580 and 669. The FICO system ranges from 300 (no credit/ very poor) to 850 (exceptional). So, everyone wondering if a 600 credit score is average can rest assured, that yes, it is.
VantageScore is similar to FICO but places a larger emphasis on newer credit. Like FICO, VantageScore ranges from 300 to 850, with fair credit ranging from 601 to 660. A 600 credit score with VantageScore, therefore, is “poor.”
Is Fair Credit Bad?
While having an average credit score isn’t the worst, it isn’t good either. People with fair credit are considered subprime by lenders. Being subprime means that when applying for a credit card, the applicant will receive higher interest rates than those with excellent credit. They also may not have access to the best rewards, balance transfer offers (including 0% APR or $0 balance transfer fees), and more.
That said, having fair credit isn’t bad either. Many people with a fair credit score still have access to unsecured credit cards. Unsecured cards are what people typically think of when they imagine a credit card. Unlike secured credit cards, which require a deposit, no deposit is required with a traditional credit card.
Average Credit Score Statistics
While a credit score between 600 to 650 is subprime, it isn’t unusual. According to Experian, on the three largest credit bureaus, 17% of Americans have a fair credit score. Additionally, 16% of Americans have a poor credit score. This means that a third of people with a FICO score have subprime credit.
With VantageScore, the average is even higher. Using their scoring method, 38% of Americans have subprime credit, with 13% of those having an average credit score.
Common Features of Fair Credit Score Cards
Credit cards for average credit scores in the 600s have some common features. These features include:
Interest Rates
People with fair credit typically pay the highest interest rates. The current average APR for someone with average credit is around 26%, while those with bad credit pay around 19%.
Why do those with average credit scores pay more? The reason is that most credit cards for bad credit are secured cards. Secured cards require a security deposit, and since they are easier to get than an unsecured card, they feature fixed rates to cover the entire score range that hold them.
Unsecured cards offer greater risk to lenders because there is no deposit requirement. Because of this, those with fair credit pay higher interest rates. Paying your statement balance in full each month negates this high rate, however. Plus, you’ll save money on the security deposit.
Credit Limits
Credit limits for average credit are lower than those for excellent credit. Individuals with excellent credit have an average new credit line of around $10,000, while those with good credit are about $6,000. Both of these credit scores are prime, or super-prime. There are no credit cards with a $10,000 limit guaranteed for fair credit.
People with subprime credit scores receive much lower credit limits, as their credit score makes them seem risky to lenders. The average new credit limit for a credit score in the 600s is around $2,750.
While it may be tough to get a fair credit score credit card with a high limit, improving your credit score with on-time payments, low credit utilization, and other good habits can lead to credit line increases over time.
Rewards
While not common, there are some quality rewards credit cards for people with a fair credit score. Two of the most popular rewards cards for average credit scores are the Discover It and the ABOC Platinum Rewards Mastercard. Both of these cards provide 5% cash back in a rotating selection of categories. Again, improving your credit score can open the way for better rewards card offers in the future.
The Best Credit Cards for Average Credit Scores
Credit cards for 600 credit scores don’t have to be “average.” Here are some of the top credit card offers for fair credit:
Merrick Bank Double Your Line™ Platinum Visa®
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See If You Are Pre-Approved Within Minutes
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Credit lines range from $500-$1,350 which double to $1,000-$2,700 after your account qualifies
☆ 2X Your Limit with 7 On Time Payments
☆ No security deposit required
☆ 100% U.S.-based customer service
☆ FICO® Credit Score for free each month
Increase your credit limit in just seven months with the Merrick Bank Double Your Line™ Platinum Visa® Credit Card. The card offers the opportunity to automatically double your credit line with seven on-time payments after opening an account – for an annual fee as low as $0.
Sable One Secured Mastercard®
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Earn up to 2% cash back on select purchases
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Earn 1% cash back on all other purchases
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No annual fee
☆ Perfect for New to Credit/ Immigrants
☆ No Credit Check to Apply
☆ Build Credit & Earn Rewards
☆ Mobile Wallet Compatibility
The Sable One Secured Mastercard Credit Card is a fintech secured card that helps build a positive credit history in the United States – without any hidden fees and with no credit checks. Sable’s digital-first platform is a great feature that provides an interface most young adults will be immensely familiar with and removes much of the strain and anxiety that opening a secured credit card (or even a bank account) in a branch can cause.
Upgrade Visa® Card with Cash Rewards
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Unlimited 1.5% cash abck on all purchases
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No fees of any kind!
☆ $0 Annual Fee, $0 Maintenance Fees
☆ Quick Online Pre-Approval
☆ Exceptionally Low APR
The Upgrade Visa® Card with Cash Rewards offers no fees, low rates, cash back, and credit lines up to $20,000 in one unique package. The card provides the flexibility and predictability consumers need to quickly pay down balances and get debt-free. The Upgrade credit card is one of the lowest regular APR credit cards on the market for those with excellent credit scores, putting it firmly on any list of the best balance transfer credit card deals of 2020 – or any list of the best credit cards in the U.S.
Revvi Credit Card
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Simple and fast application process
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Monthly reporting to all 3 major credit bureaus
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$300 credit limit (subject to available credit)
☆ Quick Pre-Qualification
☆ Perfect for Building Credit
☆ Ideal for everyday purchases to help build credit
The Revvi Credit Card is an unsecured Visa that provides a great platform for repairing credit – or building a positive history. The card provides an initial credit line of $300, the features of a full-fledged Visa (including acceptance by nearly all merchants in the United States), and an excellent platform for improving credit.