Fair Credit
Credit cards for those who have credit scores of 580 to 669. Compare card offers from our partners for those with fair credit. Learn more.
-
Regular Purchase APR
24.99% variable based on the Prime Rate
-
Balance Transfer APR
24.99% variable based on the Prime Rate
-
Cash Advance APR
24.99% variable based on the Prime Rate
-
Annual Fee
$0 to $39
-
Credit
Needed
Fair , Poor
-
Processing Network Mastercard
Best Benefits
×
- Low, competitive annual fee
- Unlimited 2% cash back on gas station, grocery store and drugstore purchases. 1% cash back on all other purchases.
- No foreign transaction fees, no over the limit fees, no returned payment fees
- Zero Fraud Liability
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
24.99% variable based on the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
24.99% variable based on the Prime Rate Balance
Transfer Transaction Fee:
Either $5 or 4% of the amount of each Balance Transfer, whichever is greater Cash
Advance APR:
24.99% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 5% of the amount of each Cash Advance, whichever is greater Penalty
APR:
None Annual
Fee:
$0 to $39 Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
None Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair , Poor 
-
Regular Purchase APR
24.99% variable based on the Prime Rate
-
Balance Transfer APR
24.99% variable based on the Prime Rate
-
Cash Advance APR
24.99% variable based on the Prime Rate
-
Annual Fee
$0 to $39
-
Credit
Needed
Fair , Poor
-
Processing Network Mastercard
Best Benefits
×
- No annual fee, no foreign transaction fees
- Automatic credit line increase reviews
- Zero Fraud Liability
- Online and mobile access, 24/7 U.S. based customer service
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
24.99% variable based on the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
24.99% variable based on the Prime Rate Balance
Transfer Transaction Fee:
Either $5 or 4% of the amount of each balance transfer, whichever is greater Cash
Advance APR:
24.99% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 5% of the amount of each cash advance, whichever is greater Penalty
APR:
None Annual
Fee:
$0 to $39 Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
None Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair , Poor 
-
Regular Purchase APR
14.98%, 20.99% or 24.99% variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
26.99% variable based on the Prime Rate
-
Cash Advance APR
26.99% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair
-
Processing Network Visa
Best Benefits
×
- 3X points per $1 spent at pet stores, veterinary offices, and AKC purchases
- 2X points per $1 spent on gas and groceries
- 1X points for everything else
- No annual fee
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
14.98%, 20.99% or 24.99% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
26.99% variable based on the Prime Rate Balance
Transfer Transaction Fee:
$10 or 3% of the amount of the balance transfer, whichever is greater Cash
Advance APR:
26.99% variable based on the Prime Rate Cash
Advance Transaction Fee:
$10 or 5% of the amount of each cash advance, whichever is greater Penalty
APR:
None Annual
Fee:
None 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 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair 
-
Regular Purchase APR
15.99%, 21.99%, 26.99% variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
27.99%
-
Cash Advance APR
27.99%
-
Annual Fee
None
-
Credit
Needed
Fair
-
Processing Network Visa
Best Benefits
×
- 2,000 bonus points for your first purchase
- Double points on purchases outside of Good Sam brands (up to $1000)
- 5X points per $1 at Good Sam, Camping World, and Gander Outdoor
- 3X points per $1 at private campgrounds and gas stations
- 1X points per $1 for everything else
- No annual fee
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
15.99%, 21.99%, 26.99% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
27.99% Balance
Transfer Transaction Fee:
$10 or 3% of the amount of the balance transfer, whichever is greater Cash
Advance APR:
27.99% Cash
Advance Transaction Fee:
$10 or 3% of the amount of each cash advance, whichever is greater Penalty
APR:
None Annual
Fee:
None 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 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair 
-
Regular Purchase APR
15.99%, 21.99%, 26.99% variable based on creditworthiness and the Prime Rate
-
Intro Purchase APR
0% for 6 months from account opening date
-
Balance Transfer APR
27.99% variable based on the Prime Rate
-
Cash Advance APR
27.99% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair
-
Processing Network Discover
Best Benefits
×
- 3% back on Home & Garden Showplace and True Value purchases
- 2% back on gas and groceries
- 1% back for all other purchases
- $5 voucher every cardholder anniversary
- Lowest purchase price guarantee
- 24/7 roadside assistance
Rates & Fees
×
Intro
Purchase APR:
0% for 6 months from account opening date Regular
Purchase APR:
15.99%, 21.99%, 26.99% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
27.99% variable based on the Prime Rate Balance
Transfer Transaction Fee:
$10 or 3% of the amount of the balance transfer, whichever is greater Cash
Advance APR:
27.99% variable based on the Prime Rate Cash
Advance Transaction Fee:
$10 or 3% of the amount of each cash advance, whichever is greater Penalty
APR:
None Annual
Fee:
None 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 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair 
-
Regular Purchase APR
21.99% or 25.99% variable based on the Prime Rate
-
Balance Transfer APR
28.99% variable based on the Prime Rate
-
Cash Advance APR
28.99% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair
-
Processing Network Mastercard
Best Benefits
×
- No annual fee
- Save 10¢ per gallon at Meijer Gas Stations
- Earn $10 rewards for every $750 spent
- Earn $10 off your first purchase within 30 days of opening an account
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
21.99% or 25.99% variable based on the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
28.99% variable based on the Prime Rate Balance
Transfer Transaction Fee:
$10 or 5% of the amount of the balance transfer, whichever is greater Cash
Advance APR:
28.99% variable based on the Prime Rate Cash
Advance Transaction Fee:
$10 or 3% of the amount of the cash advance, whichever is greater Penalty
APR:
None Annual
Fee:
None Foreign
Transaction Fee:
3% of each transaction in U.S. dollars Late
Payment Penalty Fee:
Up to $38 Return
Payment Penalty Fee:
Up to $38 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair 
-
Regular Purchase APR
8.90% to 17.90%, based on creditworthiness and the Prime Rate
-
Balance Transfer APR
8.90% to 17.90%, based on creditworthiness and the Prime Rate
-
Cash Advance APR
8.90% to 17.90%, based on creditworthiness and the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network Visa
Best Benefits
×
- No annual fee, no cash advance fee and no balance transfer fee
- Grace period on purchases
- Auto Rental Collision Damage Waiver
- $250,000 Travel Accident Insurance
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
8.90% to 17.90%, based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
8.90% to 17.90%, based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
None Cash
Advance APR:
8.90% to 17.90%, based on creditworthiness and the Prime Rate Cash
Advance Transaction Fee:
None Penalty
APR:
18.00% Annual
Fee:
None Foreign
Transaction Fee:
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars Late
Payment Penalty Fee:
Up to $35.00 Return
Payment Penalty Fee:
Up to $22.00 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Good , Fair 
-
Regular Purchase APR
26.99% variable based on the Prime Rate
-
Balance Transfer APR
26.99%
-
Cash Advance APR
26.99% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair
-
Processing Network Visa
Best Benefits
×
- Extra 2.5% discount on every Sportsman's Guide purchase
- Earn 1% in points on outside purchases
- No annual fee
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
26.99% variable based on the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
26.99% Balance
Transfer Transaction Fee:
$10 or 5% of the amount of the balance transfer, whichever is greater Cash
Advance APR:
26.99% variable based on the Prime Rate Cash
Advance Transaction Fee:
$10 or 5% of the amount of each cash advance, whichever is greater Penalty
APR:
None Annual
Fee:
None Foreign
Transaction Fee:
3% of the transaction amount in U.S. dollars Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
Up to $39 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair 
-
Regular Purchase APR
15.99%, 21.99%, 26.99% variable based on creditworthiness and the Prime Rate
-
Intro Purchase APR
0% for 6 months from account opening date
-
Balance Transfer APR
27.99% variable based on the Prime Rate
-
Cash Advance APR
27.99% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair
-
Processing Network Discover
Best Benefits
×
- 3% back on True Value and Home & Garden Showplace purchases
- 2% back on gas and groceries
- 1% back for all other purchases
- $5 voucher every cardholder anniversary
- Lowest purchase price guarantee
- 24/7 roadside assistance
Rates & Fees
×
Intro
Purchase APR:
0% for 6 months from account opening date Regular
Purchase APR:
15.99%, 21.99%, 26.99% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
27.99% variable based on the Prime Rate Balance
Transfer Transaction Fee:
$10 or 3% of the amount of the balance transfer, whichever is greater Cash
Advance APR:
27.99% variable based on the Prime Rate Cash
Advance Transaction Fee:
$10 or 3% of the amount of each cash advance, whichever is greater Penalty
APR:
None Annual
Fee:
None 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 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair 
-
Regular Purchase APR
15.99%, 21.99%, 24.99% variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
25.99%
-
Cash Advance APR
25.99%
-
Annual Fee
None
-
Credit
Needed
Fair
-
Processing Network Mastercard
Best Benefits
×
- 2X points on all Westgate purchases
- 2X points on gas and groceries
- 1X points for everything else
- No annual fee
- Preferred check-in for hotel stay
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
15.99%, 21.99%, 24.99% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
25.99% Balance
Transfer Transaction Fee:
$10 or 4% of the amount of the balance transfer, whichever is greater Cash
Advance APR:
25.99% Cash
Advance Transaction Fee:
$10 or 4% of the amount of each cash advance, whichever is greater Penalty
APR:
None Annual
Fee:
None 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 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair 
-
Regular Purchase APR
7.75% to 17.90%, based on creditworthiness and the Prime Rate
-
Balance Transfer APR
7.75% to 17.90%, based on creditworthiness and the Prime Rate
-
Cash Advance APR
7.75% to 17.90%, based on creditworthiness and the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network Visa
Best Benefits
×
- No annual fee, no cash advance fee and no balance transfer fee
- Grace period on new purchases
- Auto Rental Collision Damage Waiver and $250,000 Travel Accident Insurance
- 24/7 Card Support for lost or stolen cards, denied transactions, transaction verification and more
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
7.75% to 17.90%, based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
7.75% to 17.90%, based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
None Cash
Advance APR:
7.75% to 17.90%, based on creditworthiness and the Prime Rate Cash
Advance Transaction Fee:
None Penalty
APR:
18% Annual
Fee:
None Foreign
Transaction Fee:
1.00% of each multiple currency transaction in U.S. dollars
0.80% of each single currency transaction in U.S. dollars Late
Payment Penalty Fee:
Up to $35 Return
Payment Penalty Fee:
Up to $22 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Good , Fair 
-
Regular Purchase APR
26.99% variable based on the Prime Rate
-
Balance Transfer APR
26.99% variable based on the Prime Rate
-
Cash Advance APR
28.99% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network Visa
Best Benefits
×
- Free standard shipping on all orders
- 3X points on Forever 21 purchases
- 2X points on restaurants
- 1X point for all other purchases
- Earn a $5 Reward Certificate for every 300 points
- $10 birthday discount during your birthday month
- 21% off cardholder anniversary and on Forever 21's birthday
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
26.99% variable based on the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
26.99% variable based on the Prime Rate Balance
Transfer Transaction Fee:
$10 or 5% of the amount of the balance transfer, whichever is greater Cash
Advance APR:
28.99% variable based on the Prime Rate Cash
Advance Transaction Fee:
$10 or 5% of the amount of the cash advance, whichever is greater Penalty
APR:
None Annual
Fee:
None Foreign
Transaction Fee:
3% of the transaction amount in U.S. dollars Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
Up to $39 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Good , Fair 
-
Regular Purchase APR
12.99% to 23.99% variable based on creditworthiness and the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Excellent , Good , Fair
-
Processing Network Mastercard
Best Benefits
×
- No annual fee
- Earn cash back with every purchase
- No hidden fees
- Get a detailed breakdown of your spending from your iPhone
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
12.99% to 23.99% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
N/A Balance
Transfer Transaction Fee:
N/A Cash
Advance APR:
N/A Cash
Advance Transaction Fee:
N/A Penalty
APR:
N/A Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
None Return
Payment Penalty Fee:
None Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Excellent , Good , Fair 
-
Regular Purchase APR
9.25% to 14.25% variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
9.25% to 14.25% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
9.25% to 14.25% variable based on creditworthiness and the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Excellent , Good , Fair
-
Processing Network Visa
Best Benefits
×
- No annual fee
- No foreign transaction fees
- Establish credit with a low APR
- Manageable credit limit
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
9.25% to 14.25% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
9.25% to 14.25% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
None Cash
Advance APR:
9.25% to 14.25% variable based on creditworthiness and the Prime Rate Cash
Advance Transaction Fee:
None Penalty
APR:
None Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
$10 Return
Payment Penalty Fee:
Up to $25 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Excellent , Good , Fair 
-
Regular Purchase APR
18.99% or 27.74% variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
29.74% variable based on the Prime Rate
-
Cash Advance APR
29.74% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair
-
Processing Network Visa
Best Benefits
×
- Earn 4% back on all Sephora purchases
- Earn 1% back on all other purchases
- Earn $20 signup bonus after spending $500 outside of Sephora within 90 days
- No annual fee
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
18.99% or 27.74% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
29.74% variable based on the Prime Rate Balance
Transfer Transaction Fee:
$10 or 3% of the amount each balance transfer, whichever is greater Cash
Advance APR:
29.74% variable based on the Prime Rate Cash
Advance Transaction Fee:
$10 or 3% of the amount each cash advance, whichever is greater Penalty
APR:
None Annual
Fee:
None Foreign
Transaction Fee:
3% of the transaction amount in U.S. dollars Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
Up to $39 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair 
-
Regular Purchase APR
18.99%, 24.99%, 27.99 variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
26.99%
-
Cash Advance APR
28.99% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair
-
Processing Network Mastercard
Best Benefits
×
- Earn 500 bonus points after spending $500 outside of Ulta Beauty within the first 90 days
- Earn 2 points for every $1 spent at Ulta Beauty
- Earn 1 point for every $3 spent elsewhere
- 20% off your first Ulta Beauty Purchase
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
18.99%, 24.99%, 27.99 variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
26.99% Balance
Transfer Transaction Fee:
$10 or 5% of the amount of the balance transfer, whichever is greater Cash
Advance APR:
28.99% variable based on the Prime Rate Cash
Advance Transaction Fee:
$10 or 5% of the amount of the cash advance, whichever is greater Penalty
APR:
None Annual
Fee:
None Foreign
Transaction Fee:
3% of the transaction amount in U.S. dollars Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
Up to $39 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair 
-
Regular Purchase APR
7.99% to 18.00% variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
7.99% to 18.00% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
2% above variable APR; 10.24% to 20% variable based on creditworthiness and the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Excellent , Good , Fair
-
Processing Network Visa
Best Benefits
×
- No annual fee
- 0% introductory APR for the first 12 months after opening account
- No foreign transaction fees
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
7.99% to 18.00% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
0% for the first 12 months Balance
Transfer APR:
7.99% to 18.00% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
None Cash
Advance APR:
2% above variable APR; 10.24% to 20% variable based on creditworthiness and the Prime Rate Cash
Advance Transaction Fee:
None Penalty
APR:
18% Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $20 Return
Payment Penalty Fee:
Up to $20 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Excellent , Good , Fair 
-
Regular Purchase APR
10.99% to 18.00% variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
10.99% to 18.00% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
2% above variable APR; 13.24% to 20% variable based on creditworthiness and the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Excellent , Good , Fair
-
Processing Network Visa
Best Benefits
×
- 3X points at restaurants
- 2X points on gas
- 1X point on everything else
- No annual fee
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
10.99% to 18.00% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
10.99% to 18.00% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
None Cash
Advance APR:
2% above variable APR; 13.24% to 20% variable based on creditworthiness and the Prime Rate Cash
Advance Transaction Fee:
None Penalty
APR:
18% Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $20 Return
Payment Penalty Fee:
Up to $20 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Excellent , Good , Fair 
-
Regular Purchase APR
11.65% to 18.00% variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
11.65% to 18.00% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
2% above the variable APR; 13.9% to 20% variable based on creditworthiness and the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Excellent , Good , Fair
-
Processing Network American Express
Best Benefits
×
- Earn 30,000 Bonus Points when you spend $3,000 in the first 90 days
- 1.99% intro APR on balance transfers for the first 6 months
- No annual fee
- No foreign transaction fees
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
11.65% to 18.00% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
1.99% introductory APR for 6 months Balance
Transfer APR:
11.65% to 18.00% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
None Cash
Advance APR:
2% above the variable APR; 13.9% to 20% variable based on creditworthiness and the Prime Rate Cash
Advance Transaction Fee:
None Penalty
APR:
18% Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $20 Return
Payment Penalty Fee:
Up to $20 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Excellent , Good , Fair 
-
Regular Purchase APR
11.65% to 18.00% variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
11.65% to 18.00% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
2% above variable APR; 13.9% to 20% variable based on creditworthiness and the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Excellent , Good , Fair
-
Processing Network Mastercard
Best Benefits
×
- Earn 1.5% cash back on purchases
- Get $250 Bonus Cash
- No annual fee
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
11.65% to 18.00% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
11.65% to 18.00% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
None Cash
Advance APR:
2% above variable APR; 13.9% to 20% variable based on creditworthiness and the Prime Rate Cash
Advance Transaction Fee:
None Penalty
APR:
18.00% Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $20 Return
Payment Penalty Fee:
Up to $20 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Excellent , Good , Fair 
-
Regular Purchase APR
12.74% to 17.99%, based on creditworthiness and the Prime Rate
-
Balance Transfer APR
12.74% to 17.99%, based on creditworthiness and the Prime Rate
-
Cash Advance APR
12.74% to 17.99%
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network American Express
Best Benefits
×
- Up to 4x points on all travel purchases (3x points if you're not a member of PenFed Honors Advantage)
- $100 annual air travel credit
- $100 Global Entry fee credit, or $85 TSA Precheck fee credit when you use your card to pay
- 1.5x points on all other, non-travel purchases
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
12.74% to 17.99%, based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
0% promotional balance transfer rate for 12 months on transfers made between now and September 30, 2019. Balance
Transfer APR:
12.74% to 17.99%, based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
3% per transaction Cash
Advance APR:
12.74% to 17.99% Cash
Advance Transaction Fee:
5% or $5 minimum per cash advance Penalty
APR:
17.99% if your minimum is not received within 60 days Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $25 Return
Payment Penalty Fee:
Up to $25 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
None Credit
Needed:
Good , Fair 
-
Regular Purchase APR
9.65% 18.00% variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
9.65% 18.00% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
9.65% 18.00% variable based on creditworthiness and the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network Mastercard
Best Benefits
×
- Features Tap & Go contactless technology; compatible with digital wallets
- No annual fee and no balance transfer fees
- Low cash advance fee with a $25 cap
- Same APR for purchases, cash advances, and balance transfers
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
9.65% 18.00% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
9.65% 18.00% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
None Cash
Advance APR:
9.65% 18.00% variable based on creditworthiness and the Prime Rate Cash
Advance Transaction Fee:
$5.00 or 2.00% of the amount of each cash advance, whichever is greater, up to $25.00 Penalty
APR:
N/A Annual
Fee:
None Foreign
Transaction Fee:
1.00% of each transaction in U.S. dollars Late
Payment Penalty Fee:
Up to $25 Return
Payment Penalty Fee:
Up to $25 Over
Limit Penalty Fee:
N/A Minimum
Deposit Required:
None Credit
Needed:
Good , Fair 
-
Regular Purchase APR
10.15% to 24.15% variable based on creditworthiness and the Prime Rate
-
Intro Purchase APR
2.99% to 4.99% for 12 months from account opening date
-
Balance Transfer APR
10.15% to 24.15% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
10.15% to 24.15% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair
-
Processing Network Mastercard
Best Benefits
×
- Earn 0.50% cash back on month-end purchase balances between $1.00 and $4,000
- Earn 1% cash back on net purchases over $4,000
- No annual fee
- No balance transfer fee
Rates & Fees
×
Intro
Purchase APR:
2.99% to 4.99% for 12 months from account opening date Regular
Purchase APR:
10.15% to 24.15% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
2.99% to 4.99% for 12 months from account opening date Balance
Transfer APR:
10.15% to 24.15% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
None Cash
Advance APR:
10.15% to 24.15% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $5 or 3% of the amount of each transfer, whichever is greater Penalty
APR:
24.15% Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $25 Return
Payment Penalty Fee:
Up to $25 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair 
-
Regular Purchase APR
10.15% to 24.15% variable based on creditworthiness and the Prime Rate
-
Intro Purchase APR
2.99% to 4.99% for 12 months from account opening date
-
Balance Transfer APR
10.15% to 24.15% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
10.15% to 24.15% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair , Poor
-
Processing Network Mastercard
Best Benefits
×
- Lowest interest rate of any Bethpage credit card
- Introductory APR starting at 2.99% for 12 months
- No balance transfer fees
- No annual fee
Rates & Fees
×
Intro
Purchase APR:
2.99% to 4.99% for 12 months from account opening date Regular
Purchase APR:
10.15% to 24.15% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
2.99% to 4.99% for 12 months from account opening date Balance
Transfer APR:
10.15% to 24.15% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
None Cash
Advance APR:
10.15% to 24.15% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $5 or 3% of the amount of each transfer, whichever is greater Penalty
APR:
24.15% Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $25 Return
Payment Penalty Fee:
Up to $25 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair , Poor 
-
Regular Purchase APR
11.74% to 19.74%, variable based on creditworthiness and the Prime Rate
-
Intro Purchase APR
0% for 12 billing cycles
-
Balance Transfer APR
11.74% to 19.74%, variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
23.75%
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network Mastercard
Best Benefits
×
- 0% introductory APR on purchases and balance transfers for 12 months from account opening date
- Earn 1 point per $1 spent on everyday purchases
- Redeem points for cash, travel and shopping rewards
- No annual fee
Rates & Fees
×
Intro
Purchase APR:
0% for 12 billing cycles Regular
Purchase APR:
11.74% to 19.74%, variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
0% for 12 billing cycles from your initial balance transfer, for balances transferred within the first 12 months of account opening Balance
Transfer APR:
11.74% to 19.74%, variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
Either $10 or 2% of the amount of each transfer, whichever is greater Cash
Advance APR:
23.75% Cash
Advance Transaction Fee:
Either $10 or 4% of the amount of each cash advance, whichever is greater Penalty
APR:
N/A Annual
Fee:
None Foreign
Transaction Fee:
3% of each transaction in U.S. dollars Late
Payment Penalty Fee:
Up to $37 Return
Payment Penalty Fee:
Up to $37 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Good , Fair 
-
Regular Purchase APR
15.74% to 24.74% variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
15.74% to 24.74% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
25.74% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network Mastercard
Best Benefits
×
- Earn 1.5% cash back on every purchase, and 2% cash back when you bank and save with Key
- Earn a $100 cash back bonus when you spend $500 or more in the first 60 days of opening your account
- No annual fee
- Enjoy a balance transfer APR of 0% for the first twelve months as an introductory offer
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
15.74% to 24.74% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
0% for 12 months on transfers made within 60 days from account opening date Balance
Transfer APR:
15.74% to 24.74% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
Either $10 or 3% of the amount of each transaction, whichever is greater Cash
Advance APR:
25.74% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 4% of the amount of each transaction, whichever is greater Penalty
APR:
N/A Annual
Fee:
None Foreign
Transaction Fee:
3% of the transaction amount in U.S. dollars. Transactions originating in Canada are excluded from this fee Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
N/A Over
Limit Penalty Fee:
$10 Overdraft Protection Fee Minimum
Deposit Required:
None Credit
Needed:
Good , Fair 
-
Regular Purchase APR
16.99% to 24.99% variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
16.99% to 24.99% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
26.24% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair , Poor , No Credit Required
-
Processing Network Visa
Best Benefits
×
- No annual fee
- Earn 3 points for every $1 spent on insurance premium payments
- Earn 1 point for every $2 spent on eligible purchases
- Earn rewards while building credit
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
16.99% to 24.99% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
16.99% to 24.99% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
Either $10 or 3% of the amount of each balance transfer, whichever is greater Cash
Advance APR:
26.24% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 5% of the amount of each cash advance, whichever is greater Penalty
APR:
None Annual
Fee:
None Foreign
Transaction Fee:
3% of the transaction amount in U.S. dollars Late
Payment Penalty Fee:
Up $38 Return
Payment Penalty Fee:
Up to $38 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair , Poor , No Credit Required 
-
Regular Purchase APR
17.49%, 23.49% or 28.24% variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
17.49%, 23.49% or 28.24% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
28.49% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network Visa
Best Benefits
×
- 4% cash back on restaurants, takeout, bars, and Uber Eats
- 3% cash back on airfare, hotels, and vacation home rentals
- 2% cash back on online purchases, online shopping, and video or music streaming services
- Up to $600 in mobile phone protection
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
17.49%, 23.49% or 28.24% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
17.49%, 23.49% or 28.24% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
Either $10 or 3% of the amount of each transfer, whichever is greater Cash
Advance APR:
28.49% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 3% of the amount of each transfer, whichever is greater Penalty
APR:
N/A Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
Up to $39 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Good , Fair 
-
Regular Purchase APR
13.15% to 18% variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
13.15% to 18% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
13.15% to 18% variable based on the Prime Rate
-
Annual Fee
$95
-
Credit
Needed
Fair
-
Processing Network Mastercard
Best Benefits
×
- Earn 25,000 promotional points when you spend $3,000 within 90 days of opening your account
- 3X points for every $1 spent in one category of your choice
- 2X points for every $1 spent on all purchases
- No foreign transaction fees
- No balance transfer fees
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
13.15% to 18% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
13.15% to 18% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
None Cash
Advance APR:
13.15% to 18% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $5 or 3% of the amount of each cash advance, whichever is greater Penalty
APR:
18% Annual
Fee:
$95 Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $25 Return
Payment Penalty Fee:
N/A Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair 
-
Regular Purchase APR
13.74% to 23.74% variable based on creditworthiness and the Prime Rate
-
Intro Purchase APR
0% for 6 months from account opening date
-
Balance Transfer APR
13.74% to 23.74% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
25.74% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network Mastercard
Best Benefits
×
- Earn 10 points per $1 in combined purchases on gas, restaurants, travel, and telecommunications
- Earn 5 points per $1 in other eligible purchases
- Earn 100,000 bonus points when you spend $1,000 within the first 60 days from opening an account
- Introductory 0% APR for 6 months on purchases and balance transfers
- No annual fee
Rates & Fees
×
Intro
Purchase APR:
0% for 6 months from account opening date Regular
Purchase APR:
13.74% to 23.74% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
0% for 6 months on transfers made within 60 days from account opening date Balance
Transfer APR:
13.74% to 23.74% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
Either $10 or 3% of the amount of each transfer, whichever is greater Cash
Advance APR:
25.74% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 4% (3% on convenience check cash advances) of the amount of each cash advance, whichever is greater Penalty
APR:
26.85% + Prime Rate (maximum of 29.99%) Annual
Fee:
None Foreign
Transaction Fee:
3% of the amount of each transaction in U.S. dollars Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
None Over
Limit Penalty Fee:
$39 per cycle Minimum
Deposit Required:
N/A Credit
Needed:
Good , Fair 
-
Regular Purchase APR
12.74% to 22.74% variable based on creditworthiness and the Prime Rate
-
Intro Purchase APR
0% for 6 months from account opening date
-
Balance Transfer APR
12.74% to 22.74% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
25.74% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network Mastercard
Best Benefits
×
- 0% introductory APR for 6 months on purchases and balance transfers
- No annual fee
- Generous credit lines offered
- Lost or stolen reporting available 24/7
Rates & Fees
×
Intro
Purchase APR:
0% for 6 months from account opening date Regular
Purchase APR:
12.74% to 22.74% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
0% for 6 months on transfers made within 60 days from account opening date Balance
Transfer APR:
12.74% to 22.74% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
Either $10 or 3% of the amount of each transfer, whichever is greater Cash
Advance APR:
25.74% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 4% (3% on convenience check cash advances) of the amount of each cash advance, whichever is greater Penalty
APR:
Up to 29.99% variable based on the Prime Rate Annual
Fee:
None Foreign
Transaction Fee:
3% of the amount of each transaction in U.S. dollars Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
None Over
Limit Penalty Fee:
$39 per cycle Minimum
Deposit Required:
N/A Credit
Needed:
Good , Fair 
-
Regular Purchase APR
11.74% to 21.74% variable based on creditworthiness and the Prime Rate
-
Intro Purchase APR
0% for the first 15 months from date of account opening
-
Balance Transfer APR
11.74% to 21.74% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
25.74% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network Mastercard
Best Benefits
×
- 0% introductory APR on purchases and balance transfers for 15 months from account opening date
- Low regular APR on purchases and balance transfers after promotional rate expires
- No annual fee
- Temporary lock feature lets you freeze your card and prevent fraudulent activity if it gets lost or stolen
Rates & Fees
×
Intro
Purchase APR:
0% for the first 15 months from date of account opening Regular
Purchase APR:
11.74% to 21.74% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
0% for 15 months on transfers made within 60 days from date of account opening Balance
Transfer APR:
11.74% to 21.74% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
Either $10 or 3% of the amount of each transfer, whichever is greater Cash
Advance APR:
25.74% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 4% of the amount of each cash advance, whichever is greater Penalty
APR:
N/A Annual
Fee:
None Foreign
Transaction Fee:
3% of the amount of each transaction in U.S. dollars Late
Payment Penalty Fee:
UP to $39 Return
Payment Penalty Fee:
N/A Over
Limit Penalty Fee:
$10 for each overdraft protection Minimum
Deposit Required:
N/A Credit
Needed:
Good , Fair 
-
Regular Purchase APR
17.99% variable based on the Prime Rate
-
Balance Transfer APR
17.99% variable based on the Prime Rate
-
Cash Advance APR
26.99% variable based on the Prime Rate
-
Annual Fee
$0 for the first year. After that, $40
-
Credit
Needed
Fair , Poor
-
Processing Network Visa
Best Benefits
×
- 3X points at office supply stores
- 2X points at gas stations and restaurants
- 1X point for every $1 in purchases
- Free employee cards
- Annual fee is waived the first year
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
17.99% variable based on the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
17.99% variable based on the Prime Rate Balance
Transfer Transaction Fee:
Either $10 or 4% of the amount of each transfer, whichever is greater Cash
Advance APR:
26.99% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 4% of the amount of each cash advance, whichever is greater Penalty
APR:
28.99% variable based on the Prime Rate Annual
Fee:
$0 for the first year. After that, $40 Foreign
Transaction Fee:
3% of the transaction amount in U.S. dollars Late
Payment Penalty Fee:
Up to $49 Return
Payment Penalty Fee:
$25 Over
Limit Penalty Fee:
$39 Minimum
Deposit Required:
$500 Credit
Needed:
Fair , Poor 
-
Regular Purchase APR
10.74% to 22.24% variable based on creditworthiness and the Prime Rate
-
Intro Purchase APR
0% for 15 months from account opening date
-
Balance Transfer APR
10.74% to 22.24% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
27.50% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network Visa
Best Benefits
×
- 0% introductory APR on purchases and balance transfers for 15 months after opening an account
- Low regular APR after promotional rate ends
- No annual fee
- Access your FICO® Score at no extra cost
Rates & Fees
×
Intro
Purchase APR:
0% for 15 months from account opening date Regular
Purchase APR:
10.74% to 22.24% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
0% for 15 months from account opening date Balance
Transfer APR:
10.74% to 22.24% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
$0 Introductory fee for transfers completed within 60 days of account opening. After
that, either $10 or 3% of the amount of each transfer, whichever is greater Cash
Advance APR:
27.50% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $15 or 5% of the amount of each cash advance, whichever is greater Penalty
APR:
Up to 29.99% variable based on creditworthiness and the Prime Rate Annual
Fee:
None Foreign
Transaction Fee:
3% of each transaction in U.S. dollars Late
Payment Penalty Fee:
Up to $37 Return
Payment Penalty Fee:
Up to $35 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Good , Fair 
-
Regular Purchase APR
16.24% variable based on the Prime Rate
-
Balance Transfer APR
16.24% variable based on the Prime Rate
-
Cash Advance APR
27.50% variable based on the Prime Rate
-
Annual Fee
$30
-
Credit
Needed
Fair , Poor
-
Processing Network Visa
Best Benefits
×
- Establish your personal and business credit history with responsible use
- Chip security included
- 24/7 online account access
- Easily set spending limits and establish alerts
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
16.24% variable based on the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
16.24% variable based on the Prime Rate Balance
Transfer Transaction Fee:
Either $10 or 5% of the amount of each transfer, whichever is greater Cash
Advance APR:
27.50% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $15 or 5% of the amount of each cash advance, whichever is greater Penalty
APR:
Up to 29.99% variable based on creditworthiness and the Prime Rate Annual
Fee:
$30 Foreign
Transaction Fee:
3% of each transaction in U.S. dollars Late
Payment Penalty Fee:
$35 Return
Payment Penalty Fee:
$35 Over
Limit Penalty Fee:
$35 Minimum
Deposit Required:
Disclosed after account opening Credit
Needed:
Fair , Poor 
-
Regular Purchase APR
11.74% to 21.74% variable based on creditworthiness
-
Intro Purchase APR
0% for 15 months from account opening
-
Balance Transfer APR
11.74% to 21.74% variable based on creditworthiness
-
Cash Advance APR
24.74% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network Visa
Best Benefits
×
- Earn a $100 bonus after you make at least $1,000 in purchases within the first 3 months from account opening
- 0% intro APR on purchases and balance transfers for 12 months
- Low regular APR on purchases
- No annual fee
Rates & Fees
×
Intro
Purchase APR:
0% for 15 months from account opening Regular
Purchase APR:
11.74% to 21.74% variable based on creditworthiness Intro
Balance Transfer APR:
0% for 15 months on transfers made within 90 days from account opening Balance
Transfer APR:
11.74% to 21.74% variable based on creditworthiness Balance
Transfer Transaction Fee:
Either $5 or 3% of the amount of each balance transfer, whichever is greater, for the first 90 days from account opening. After that, either $5 or 4% of each transfer amount, whichever is greater Cash
Advance APR:
24.74% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 5% of the amount of each cash advance, whichever is greater Penalty
APR:
30.99% variable based on the Prime Rate Annual
Fee:
None Foreign
Transaction Fee:
3% of each transaction in U.S. dollars Late
Payment Penalty Fee:
Up to $38 Return
Payment Penalty Fee:
Up to $38 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Good , Fair 
-
Regular Purchase APR
24.99% variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
24.99% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
27.25% variable based on the Prime Rate
-
Annual Fee
$29
-
Credit
Needed
Fair , Poor , No Credit Required
-
Processing Network Visa
Best Benefits
×
- Build or repair your credit and earn cash back on everyday purchases
- Earn 3% Cash Back on dining purchases
- Earn 2% Cash Back at grocery stores
- Earn 1% Cash Back on other eligible purchases
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
24.99% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
24.99% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
Either $5 or 3% of the amount of each transfer, whichever is greater. Cash
Advance APR:
27.25% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 5% of the amount of each cash advance, whichever is
greater. Penalty
APR:
N/A Annual
Fee:
$29 Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $37 Return
Payment Penalty Fee:
Up to $37 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
$500 Credit
Needed:
Fair , Poor , No Credit Required 
-
Regular Purchase APR
15.74% to 24.74% variable based on creditworthiness and the Prime Rate
-
Balance Transfer APR
15.74% to 24.74% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
26.99% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network Mastercard
Best Benefits
×
- Earn 10,000 bonus ThankYou® Points after making $1,000 in purchases within 3 months from account opening
- Earn 2 points per $1 on purchases at eligible retail and travel websites, as well as on products and services directly purchased from AT&T
- Earn 1 point per $1 on all other purchases
- Redeem your ThankYou® Points for statement credits, gift cards, electronics, or travel rewards; No annual fee
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
15.74% to 24.74% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
15.74% to 24.74% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
Either $5 or 3% of the amount of each transfer, whichever is greater Cash
Advance APR:
26.99% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 5% of the amount of each cash advance, whichever is greater Penalty
APR:
Up to 29.99% variable based on creditworthiness and the Prime Rate Annual
Fee:
None Foreign
Transaction Fee:
3% of each purchase transaction in US dollars Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
Up to $39 Over
Limit Penalty Fee:
N/A Minimum
Deposit Required:
N/A Credit
Needed:
Good , Fair 
-
Regular Purchase APR
16.24% to 26.24% variable based on creditworthiness and the Prime Rate
-
Intro Purchase APR
0% for 7 months from account opening date
-
Balance Transfer APR
16.24% to 26.24% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
26.99% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair , Poor
-
Processing Network Mastercard
Best Benefits
×
- Earn 2,500 bonus ThankYou® Points after spending $500 within the first 3 months from account opening
- Earn 2X points on purchases at supermarkets and gas stations for the first $6,000 per year
- Earn 1X point on all other purchases
- Purchases round up to the nearest 10 points with no cap
- 0% intro APR on purchases for the first 7 months from account opening
Rates & Fees
×
Intro
Purchase APR:
0% for 7 months from account opening date Regular
Purchase APR:
16.24% to 26.24% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
16.24% to 26.24% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
Either $5 or 3% of the amount of each transfer, whichever is greater Cash
Advance APR:
26.99% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 5% of the amount of each cash advance, whichever is greater Penalty
APR:
Up to 29.99% variable based on creditworthiness and the Prime Rate Annual
Fee:
None Foreign
Transaction Fee:
3% of each purchase transaction in US dollars Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
Up to $39 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair , Poor 
-
Regular Purchase APR
28.99% variable based on the Prime Rate
-
Cash Advance APR
29.99%
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network N/A
Best Benefits
×
- Earn 10 cents on every gallon in fuel statement credits during the first three months of account opening. After that, earn 5 cents per gallon
- No annual fee
- Use your card at more than 5,500 CITGO locations
- No extra cost for adding authorized users to your account
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
28.99% variable based on the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
N/A Balance
Transfer Transaction Fee:
N/A Cash
Advance APR:
29.99% Cash
Advance Transaction Fee:
Either $10 or 5% of the amount of each transaction, whichever is greater Penalty
APR:
N/A Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $38 Return
Payment Penalty Fee:
None Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Good , Fair 
-
Regular Purchase APR
14.74% to 23.74% variable based on creditworthiness and Prime Rate
-
Intro Purchase APR
0% for 6 months from date of account opening
-
Balance Transfer APR
14.74% to 23.74% variable based on creditworthiness and Prime Rate
-
Cash Advance APR
26.74% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair , No Credit Required
-
Processing Network Discover
Best Benefits
×
- Get $20 statement credit each school year your GPA is 3.0 or higher for up to next five years
- Earn 2% cash back at gas and restaurants on up to $1,000 in combined purchases each quarter. Plus 1% cash back on all other purchases
- Discover matches all the cash back you've earned at the end of your first year, automatically
- Cash back rewards do not expired and can be redeemed at any time
Rates & Fees
×
Intro
Purchase APR:
0% for 6 months from date of account opening Regular
Purchase APR:
14.74% to 23.74% variable based on creditworthiness and Prime Rate Intro
Balance Transfer APR:
10.99% for 6 months from date of first transfer Balance
Transfer APR:
14.74% to 23.74% variable based on creditworthiness and Prime Rate Balance
Transfer Transaction Fee:
3% of the amount of each transfer for transfers that post to your account by September 10, 2019. After that, 5% of the amount of each transfer Cash
Advance APR:
26.74% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 5% of the amount of each cash advance, whichever is greater Penalty
APR:
N/A Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
None the first time you pay late. After that, up to $39 Return
Payment Penalty Fee:
Up to $39 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair , No Credit Required 
-
Regular Purchase APR
24.74% variable based on the Prime Rate
-
Balance Transfer APR
24.74% variable based on the Prime Rate
-
Cash Advance APR
24.74% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network Visa
Best Benefits
×
- Earn unlimited 1% cash back on every purchase for your business, with no minimum to redeem
- $0 Fraud Liability if your card is lost or stolen, and get real-time alerts of fraud attempts via text, email, or phone
- Add employee cards at no additional cost, and earn all the rewards from their purchases
- Get a custom, itemized report of your spending to help simplify planning, budgeting, and tax time
- No annual fee
- No foreign transaction fee
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
24.74% variable based on the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
24.74% variable based on the Prime Rate Balance
Transfer Transaction Fee:
None Cash
Advance APR:
24.74% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 3% of the amount of each cash advance, whichever is greater Penalty
APR:
31.15% variable based on the Prime Rate Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
None Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Good , Fair 
-
Regular Purchase APR
26.49% variable based on the Prime Rate
-
Balance Transfer APR
26.49% variable based on the Prime Rate
-
Cash Advance APR
26.49% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair , Poor , No Credit Required
-
Processing Network Mastercard
Best Benefits
×
- Pick your own monthly due date and payment method—check, online or at a local branch
- Make the minimum required security deposit and you'll get an initial credit line of $200.
- Get access to a higher credit line after making your first 5 monthly payments on time
- $49, $99 or $200 refundable deposit based on your creditworthiness
- Deposit more money before your account opens to get a higher credit line
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
26.49% variable based on the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
26.49% variable based on the Prime Rate Balance
Transfer Transaction Fee:
None Cash
Advance APR:
26.49% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 3% of the amount of each cash advance, whichever is greater Penalty
APR:
N/A Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
None Over
Limit Penalty Fee:
None Minimum
Deposit Required:
$49, $99, or $200 based on your creditworthiness Credit
Needed:
Fair , Poor , No Credit Required 
-
Regular Purchase APR
26.49% variable based on the Prime Rate
-
Balance Transfer APR
26.49% variable based on the Prime Rate
-
Cash Advance APR
26.49% variable based on the Prime Rate
-
Annual Fee
$39
-
Credit
Needed
Good , Fair
-
Processing Network Mastercard
Best Benefits
×
- Earn unlimited 1.5% cash back on every purchase, every day
- Get access to a higher credit line with Credit Steps after making your first 5 monthly payments on time
- Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One®
- Rewards don't expire for the life of the account, and you can redeem cash back for any amount
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
26.49% variable based on the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
26.49% variable based on the Prime Rate Balance
Transfer Transaction Fee:
None Cash
Advance APR:
26.49% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 3% of the amount of each cash advance, whichever is greater Penalty
APR:
None Annual
Fee:
$39 Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
None Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Good , Fair 
-
Regular Purchase APR
26.49% variable based on the Prime Rate
-
Balance Transfer APR
26.49% variable based on the Prime Rate
-
Cash Advance APR
26.49% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network Mastercard
Best Benefits
×
- Get access to a higher credit line after making your first 5 monthly payments on time
- Enjoy unlimited access to your credit score and tools to help you monitor your credit profile with CreditWise from Capital One®
- No annual fee and $0 fraud liability coverage if your card is ever lost or stolen
- Rent a car with your credit card and you can be covered for the damage due to collision or theft
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
26.49% variable based on the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
26.49% variable based on the Prime Rate Balance
Transfer Transaction Fee:
None Cash
Advance APR:
26.49% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 3% of the amount of each cash advance, whichever is greater Penalty
APR:
N/A Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
None Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Good , Fair 
-
Regular Purchase APR
12.9% to 22.9% variable based on creditworthiness and the Prime Rate
-
Intro Purchase APR
0% for 6 months.
-
Balance Transfer APR
12.9% to 22.9% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
25.74% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair , Poor , No Credit Required
-
Processing Network Visa
Best Benefits
×
- 0.00% introductory APR for 6 months on purchases and balance transfers
- 3% cash rewards on gas, grocery, and drugstore purchases for the first 6 months, 1% cash rewards on virtually all other purchases
- Build credit history while you’re in college
- Access your FICO® Credit Score, credit education and tools with Wells Fargo Online®
Rates & Fees
×
Intro
Purchase APR:
0% for 6 months. Regular
Purchase APR:
12.9% to 22.9% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
0% APR for 6 months on balance transfers made within 120 days from account opening Balance
Transfer APR:
12.9% to 22.9% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
Introductory fee of either $5 or 3% of the amount of each balance transfer, whichever is greater, for 120 days from account opening. After that, up to 5% for each balance transfer, with a minimum of $5 Cash
Advance APR:
25.74% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 5% of the amount of each advance, whichever is greater Penalty
APR:
None Annual
Fee:
None Foreign
Transaction Fee:
3% of each transaction converted to U.S. dollars Late
Payment Penalty Fee:
Up to $37 Return
Payment Penalty Fee:
Up to $37 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair , Poor , No Credit Required 
-
Regular Purchase APR
14.74% to 24.74% variable based on creditworthiness and the Prime Rate
-
Intro Purchase APR
0% for the first 15 months from the date of account opening
-
Balance Transfer APR
14.74% to 24.74% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
17.74% to 26.74% variable based on creditworthiness and the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair , Poor , No Credit Required
-
Processing Network Mastercard
Best Benefits
×
- Introductory 0% purchase APR for 15 months
- Introductory 0% APR for 15 months on balance transfers made within 60 days of account opening
- No fee on balance transfers made within 60 days of account opening
- Access to credit and budgeting education and free monthly FICO Score reports
- No annual fee
Rates & Fees
×
Intro
Purchase APR:
0% for the first 15 months from the date of account opening Regular
Purchase APR:
14.74% to 24.74% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
0% for the first 15 months for transfers made within 60 days from the date of account opening Balance
Transfer APR:
14.74% to 24.74% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
Either $10 or 3% of the amount of each transfer, whichever is greater Cash
Advance APR:
17.74% to 26.74% variable based on creditworthiness and the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 3% of the amount of each cash advance, whichever is greater Penalty
APR:
None Annual
Fee:
None Foreign
Transaction Fee:
3% of the transaction amount in U.S. dollars Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
Up to $28 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair , Poor , No Credit Required 
-
Regular Purchase APR
16.74% to 24.74% variable based on creditworthiness and the Prime Rate
-
Intro Purchase APR
0% for the first 12 months from date of account opening
-
Balance Transfer APR
16.74% to 24.74% variable based on creditworthiness and the Prime Rate
-
Cash Advance APR
19.74% to 26.74% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair , Poor
-
Processing Network Visa
Best Benefits
×
- 25,000 bonus points after spending $1,000 within 90 days
- Earn unlimited 1.5 points per dollar spent on all purchases
- Points never expire + no limits on earnings
- Access to FICO® Score (updated monthly)
- No annual fee
- No foreign transaction fees
Rates & Fees
×
Intro
Purchase APR:
0% for the first 12 months from date of account opening Regular
Purchase APR:
16.74% to 24.74% variable based on creditworthiness and the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
16.74% to 24.74% variable based on creditworthiness and the Prime Rate Balance
Transfer Transaction Fee:
Either $10 or 3% of the amount of each transfer, whichever is greater Cash
Advance APR:
19.74% to 26.74% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 5% of the amount of each cash advance, whichever is greater Penalty
APR:
Up to 29.99% variable based on creditworthiness and the Prime Rate Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
Up to $28 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair , Poor 
-
Regular Purchase APR
26.49% variable based on the Prime Rate
-
Balance Transfer APR
26.49% variable based on the Prime Rate
-
Cash Advance APR
26.49% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Fair , No Credit Required
-
Processing Network Mastercard
Best Benefits
×
- Earn 1% cash back on all purchases
- When balance is paid on time, cash back earnings rate increases to 1.25% for the month
- Keep track of your credit score for free with CreditWise from Capital One®
- No annual fee
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
26.49% variable based on the Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
26.49% variable based on the Prime Rate Balance
Transfer Transaction Fee:
None Cash
Advance APR:
26.49% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $10 or 3% of the amount of each cash advance, whichever is greater Penalty
APR:
None Annual
Fee:
None Foreign
Transaction Fee:
None Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
None Over
Limit Penalty Fee:
None Minimum
Deposit Required:
N/A Credit
Needed:
Fair , No Credit Required 
-
Regular Purchase APR
22.74% to 28.74% variable based on creditworthiness and Prime Rate
-
Balance Transfer APR
22.74% to 28.74% variable based on creditworthiness and Prime Rate
-
Cash Advance APR
27.24% variable based on the Prime Rate
-
Annual Fee
None
-
Credit
Needed
Good , Fair
-
Processing Network Mastercard
Best Benefits
×
- Earn 25,000 bonus points when you spend at least $500 in the first 3 billing cycles
- 50X points per $1 spent at Speedway
- 10X points per $1 spent elsewhere
- Redeem points for items in-store or through the Speedy Rewards Marketplace
- No annual fee
Rates & Fees
×
Intro
Purchase APR:
N/A Regular
Purchase APR:
22.74% to 28.74% variable based on creditworthiness and Prime Rate Intro
Balance Transfer APR:
N/A Balance
Transfer APR:
22.74% to 28.74% variable based on creditworthiness and Prime Rate Balance
Transfer Transaction Fee:
Either $10 or 5% of the amount of each transfer, whichever is greater Cash
Advance APR:
27.24% variable based on the Prime Rate Cash
Advance Transaction Fee:
Either $15 or 5% of the amount of each cash advance, whichever is greater Penalty
APR:
N/A Annual
Fee:
None Foreign
Transaction Fee:
3% of each transaction in U.S. dollars Late
Payment Penalty Fee:
Up to $39 Return
Payment Penalty Fee:
Up to $35 Over
Limit Penalty Fee:
None Minimum
Deposit Required:
None Credit
Needed:
Good , Fair