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Total Select
Total Select
- 29.99%, compounded daily Regular Purchase APR
- 29.99% Cash Advance APR
At a Glance
The Total Select Card is designed for those with less-than-perfect credit who want a convenient payment card without a high barrier of entry. Ideal for building or rebuilding credit, this offer can give you the boost you need to level up your credit standing.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Total Select cardholders get FREE access to Credit Monitoring powered by TransUnion. Enroll Today!
- $300 Credit limit
- Chip-enabled card for added security
- Credit limit increase possible after 12 months
- Reports monthly to major credit bureaus
- Quick and easy approval process
- Regular Purchase APR: 29.99%, compounded daily
- Cash Advance APR: 29.99%
- Cash Advance Transaction Fee: $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $75 the first year ($48 after that)
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You're want to build or rebuild your credit and are looking for a Visa card that doesn't require perfect history
- You prefer a credit card that doesn't charge a program fee or require a security deposit
- You want convenience to manage your account via the card issuer's own mobile app
- You want a card that works extra and reports your payment history to the three major credit bureaus and also provides free credit monitoring tools
Zolve Credit Card
Zolve Credit Card
- 16% variable based on the Prime Rate Regular Purchase APR
At a Glance
The Zolve Credit Card is a credit builder credit card that helps new arrivals to the U.S. build credit and move on to more impressive rewards from the same program. The Zolve credit card earns unlimited 1% cash back and offers additional benefits with no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Up to $5,000 credit limit
- Earn 1% unlimited cash back
- Earn up to 10% cash-back at over 10,000 shopping outlets
- Regular Purchase APR: 16% variable based on the Prime Rate
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You are a new arrival to the United States and want to begin building credit
- You prefer a card program that grows with you - not one you grow out of
- You are happy with basic rewards and plan to stick with the free option
Chase Freedom Rise
Chase Freedom Rise
- 26.99% variable based on the Prime Rate Regular Purchase APR
- 26.99% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Chase Freedom Rise Visa is a credit builder card that can help you earn cash back rewards and double your credit line fast. The card works best with an eligible Chase checking account, as having one can greatly improve your approval odds.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 1.5% in cash back for all of your purchases
- Earn a $25 bonus for enrolling in in the first three months
- $0 annual fee
- Increase your credit line with 6 on-time payments
- Regular Purchase APR: 26.99% variable based on the Prime Rate
- Balance Transfer APR: 26.99% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $5 or 5% of the amount of each transfer, whichever is greater
- Cash Advance APR: 29.99% variable based on the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 5% of the amount of each transaction, whichever is greater
- Penalty APR: Up to 29.99%
- Foreign Transaction Fee: 3% of the amount of each transaction in U.S. dollars.
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: Up to $40
- You have a Chase checking account with a $250 balance
- You want to earn unlimited 1.5% cash back on all purchases
- You are new to credit cards
- You don't want to pay an annual fee
OpenSky® Plus Secured Visa® Credit Card
OpenSky® Plus Secured Visa® Credit Card
- 29.99% (Variable) Regular Purchase APR
- 29.99% (Variable) Cash Advance APR
At a Glance
Building credit without hidden fees is a breeze with the OpenSky® Plus Secured Visa® Credit Card. You can build credit, graduate to unsecured credit, and boost your financial knowledge base while paying $0 in annual fees.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- New feature! Earn up to 10% cash back on everyday purchases
- No annual fee
- No credit check to apply. Find out instantly if you are approved- Zero credit risk to apply
- Looking to build or rebuild your credit? 2 out of 3 OpenSky cardholders increase their credit score by an average of 41 points in just 3 months
- Monitor your credit progress with free access to your FICO Credit Score.
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion
- Add to your mobile wallet and make purchases using Apple Pay, Samsung Pay and Google Pay
- Secure your credit line with a refundable security deposit - as low as $300.
- Easy application, apply in less than 5 minutes right from your mobile device
- Offers flexible payment due dates which allow you to choose any available due date that fits your payment schedule
- Now you can make smaller partial payments towards funding your security deposit over 60 days
- Over 1.4 Million Cardholders Have Used OpenSky Secured Credit Card To Improve Their Credit
- *See Rewards Terms and Conditions for more information
- Regular Purchase APR: 29.99% (Variable)
- Cash Advance APR: 29.99% (Variable)
- Cash Advance Transaction Fee: Either $10 or 3% of the amount of each cash advance, whichever is greater
- Annual Fee: $0
- Foreign Transaction Fee: 3% 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: $300
- You want a secured credit card but don't want to pay an annual fee
- You have at least $300 available for a security deposit (up to $3,000)
- You are serious about building credit and plan to pay on-time each month
- You want to graduate to unsecured credit
Overstock™ Mastercard®
Overstock™ Mastercard®
- 31.74% variable based on the Prime Rate Regular Purchase APR
- 31.74% variable based on the Prime Rate Balance Transfer APR
- 29.99% variable based on the Prime Rate Cash Advance APR
At a Glance
The Overstock™ Mastercard® earns you big rewards at Overstock.com – without the annual fee. The card from Citi Retail Services provides up to 5% back in rewards, special financing on select purchases, and a complimentary Club O Rewards membership.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn 5% back in Club O rewards on overstock purchases
- Earn % back in Club O rewards on apparel & department store purchases
- Earn 2% back in Club O rewards on gas and 1% back on all other purchases
- Complimentary Club O membership (a $19.95/year value)
- Special Financing on eligible Overstock.com purchases
- Regular Purchase APR: 31.74% variable based on the Prime Rate
- Balance Transfer APR: 31.74% variable based on the Prime Rate
- Balance Transfer Transaction Fee: Either $10 or 5% of the amount of each balance transfer, whichever is greater
- Cash Advance APR: 29.99% 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 your creditworthiness and the Prime Rate
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- You frequently shop at Overstock.com or at apparel stores
- You want special financing on a big project
- You prefer a store-branded credit card vs. a cash back credit card
Orlando Magic Credit Card
Orlando Magic Credit Card
- 23.70% to 29.95% variable based on creditworthiness and the Prime Rate Regular Purchase APR
- 28.70% to 34.95% variable based on creditworthiness and the Prime Rate Cash Advance APR
At a Glance
The Orlando Magic Credit Card is a basic cash back rewards credit card from the NBA’s Orlando Magic and Merrick Bank. The card earns an unlimited 1.5% cash back on all purchases, with special savings on select purchases at the Amway Center.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 1.5% cash back on all purchases
- Enjoy 10% off at the Magic Team Store in the Amway Center
- Enjoy 10% off select food and drink concessions at Amway Center
- Regular Purchase APR: 23.70% to 29.95% variable based on creditworthiness and the Prime Rate
- Cash Advance APR: 28.70% to 34.95% variable based on creditworthiness and the Prime Rate
- Cash Advance Transaction Fee: Either $10 or 4% of the amount of the cash advance, whichever is greater
- Annual Fee: $0 to $48 for the first year, billed $0 to $4 per month thereafter
- Late Payment Penalty Fee: Up to $40
- Return Payment Penalty Fee: $0
- Over Limit Penalty Fee: $0
- You live in or around Orlando, FL
- You love the Magic and attend games often
- You want a basic cash back credit card
Indigo® Mastercard® for Less than Perfect Credit
Indigo® Mastercard® for Less than Perfect Credit
- 35.9% Regular Purchase APR
- 35.9% Cash Advance APR
At a Glance
The Indigo Mastercard is rapidly becoming recognized as a top credit card option for applicants with less-than-perfect credit. It is a great resource for anyone who wants to establish, build, or repair their credit score. What’s more, benefits of the Indigo Mastercard include 24/7 mobile account access, chip card technology, and more.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Great for demonstrating responsible use of credit
- Short and easy-to-complete application form
- 24/7 mobile account access
- Choose your card design free of charge
- Regular Purchase APR: 35.9%
- Cash Advance APR: 35.9%
- Cash Advance Transaction Fee: Either $5 or 5% of the amount of each cash advance, whichever is greater (not to exceed $100)
- Penalty APR: 29.9%
- Annual Fee: See terms
- Foreign Transaction Fee: 1% of the transaction amount in U.S. dollars
- Late Payment Penalty Fee: Up to $41
- Return Payment Penalty Fee: Up to $41
- Over Limit Penalty Fee: Up to $41
- You want to build or repair your credit score with a decent credit line
- You have a history of poor credit and have been declined by other credit card issuers
- You want a credit card whose application will not impact your credit score
- You don’t want a secured credit card or can’t afford a security deposit
- You would like to show some personality with several card designs
- You would like a tool for building credit that is accepted worldwide – anywhere Mastercard is accepted
Milestone® Mastercard®
Milestone® Mastercard®
- See terms Regular Purchase APR
- See terms Cash Advance APR
At a Glance
Designed for folks with less-than-stellar credit (or no credit at all), the Milestone® Mastercard® credit card is issued by the Bank of Missouri. Featuring all the benefits of a Mastercard at no extra cost, it allows customers to access a convenient and valuable tool in their wallet.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Greater access to credit than before - $700 credit limit
- Get a Mastercard accepted online, in store and in app
- Account history is reported to the three major credit bureaus in the U.S.
- $0 liability for unauthorized use
- Access your account online or from your mobile device 24/7
- Regular Purchase APR: See terms
- Cash Advance APR: See terms
- Cash Advance Transaction Fee: See terms
- Penalty APR: See terms
- Annual Fee: See terms
- Foreign Transaction Fee: 1% of the transaction in U.S. dollars
- Late Payment Penalty Fee: See terms
- Return Payment Penalty Fee: See terms
- Over Limit Penalty Fee: See terms
- You have low credit standing or have not yet begun your credit journey
- You want a credit card that reports to the three major credit bureaus
- You prefer the freedom of an unsecured credit card over a secured card
Destiny Mastercard®
Destiny Mastercard®
- See terms Regular Purchase APR
- See terms Cash Advance APR
At a Glance
The Destiny Mastercard is an ideal credit card for those with bad or fair credit who want the purchasing power of Mastercard but without the security deposit requirement of a secured credit card. With a modest annual fee and manageable initial credit limit, the Destiny Card doesn’t care about your credit past – instead, it helps you focus on your everyday expenses.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- All the benefits of a Mastercard, without a security deposit
- 24/7 access to your account, even on mobile!
- Reports to all three major credit bureaus
- Less than perfect credit is okay, even with a prior bankruptcy!
- Regular Purchase APR: See terms
- Cash Advance APR: See terms
- Cash Advance Transaction Fee: See terms
- Annual Fee: See terms
- Foreign Transaction Fee: 1% of each transaction in U.S. dollars
- Late Payment Penalty Fee: See terms
- Return Payment Penalty Fee: See terms
- Over Limit Penalty Fee: See terms
- You have an imperfect credit history, which may include a past bankruptcy
- You have less-than-perfect credit
- You want a Mastercard but don’t want to pay a security deposit
- You want a credit card with the versatility to make foreign purchases
- You plan to pay your statement in full every month
Ramp Card
Ramp Card
- See Terms Regular Purchase APR
At a Glance
The Ramp Card is a corporate charge card that provides businesses far more than just purchasing power and cash back rewards. Companies enjoy access to up to 20X more capital, extended payment terms, and unparalleled software integrations to streamline finances – all for no annual fee.
- Best Benefits
- Rates & Fees
- Why Should You Apply?
- Earn unlimited 1.5% cash back on every purchase
- No fees – including foreign transaction, setup, or replacement fees
- Use to shop at any retailer worldwide that accepts Visa cards
- Add virtual cards to your Apple Wallet or Google Pay
- Block or restrict spending to a specific vendor – for either a specific card or your entire company
- Regular Purchase APR: See Terms
- You struggle with expense reports, reimbursements, and receipts
- You want a charge card without interest rates or fees
- You want a corporate card that offers enforceable employee spending limits
- You plan to issue multiple employee cards
- You have at least $75,000 in your primary business bank account
- You spend at least $10,000 per month on your cards
You've viewed 5 of 189 credit cards
What is a Fair Credit Score?
A fair credit score is a middle-ground rating, indicating that you have a decent credit history but may still need improvement. A credit score or rating is a three-digit number that reflects your creditworthiness based on your credit history. It ranges from 300 to 850, with higher scores indicating lower credit risk. An average or fair credit score typically falls within the range of 580 to 669. While it may not be the highest score possible, it still offers opportunities for securing credit and demonstrates a moderate level of financial responsibility.
Lenders consider fair credit as an average credit risk, neither excellent nor bad. With a fair credit score, sometimes called a near-prime credit score, you can access credit products such as credit cards, auto loans, and personal loans, although you may not receive the most competitive interest rates and terms.
It’s important to note that credit scores are not static and can fluctuate based on various factors, including payment history, credit utilization, length of credit history, types of credit, and recent credit applications. By understanding the components contributing to your credit score, you can take proactive steps to improve your fair credit score and open doors to better financial opportunities.
Is Average Credit Bad?
While an average credit score isn’t the worst, it isn’t good. Lenders consider people with fair credit to be subprime. Being subprime means that when applying for a credit card, you will receive higher interest rates than those with excellent credit. They may also not have access to the best rewards, balance transfer offers (including 0% intro APR or $0 balance transfer fees), and more.
However, having fair credit isn’t necessarily 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, which a traditional credit card does not.
While a FICO Score between 600 and 650 is considered subprime, it isn’t uncommon. According to Experian, 17% of Americans have a fair credit score on the three largest credit bureaus. Additionally, 12% 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, nearly 40% of Americans have subprime credit, with 14% having an average credit score.
The Negative Impacts Subprime Credit Score
Having average or near-prime credit can significantly impact your financial well-being, resulting in potential drawbacks like:
- Difficulty obtaining new loans or credit: Individuals with fair credit scores may encounter challenges when trying to obtain loans and credit, as lenders may perceive them as higher-risk borrowers. Lenders may offer loans with higher interest rates to individuals with lower credit scores, making borrowing more expensive.
- Limited credit options: Individuals with fair credit scores may have fewer options when choosing lenders or credit cards, as some institutions may prefer borrowers with higher credit scores.
- Housing and employment headaches: Landlords and property management companies often check credit scores when considering rental applications. A fair score might result in rejections or require larger security deposits. Additionally, some employers may check credit scores during hiring, potentially impacting job prospects for people with subprime credit.
- Higher insurance premiums: Insurance companies may use credit scores to determine auto or home insurance premiums, resulting in higher insurance costs.
- Deposits for utilities: Utility companies may require larger security deposits for services such as electricity, water, or cable for individuals with fair credit scores.
Tips for Improving Your Credit Score
If you’re in the fair credit score range, don’t fret. There are actionable steps to take to improve your creditworthiness and move towards a better score:
Pay Bills on Time
Paying your credit bills and balances on time is crucial for improving your credit score. Consider setting up automatic payments or reminders to ensure you never miss your due date. Consistently making on-time payments demonstrates financial responsibility, positively impacts your creditworthiness, and can help you repair your credit profile over time.
Reduce Credit Card Balances
High credit card balances can negatively affect your credit utilization ratio and, in turn, your credit score. Focus on paying down your credit card debt and strive to keep your balances low. By doing so, you improve your credit utilization and showcase your ability to manage credit responsibly to lenders.
Limit New Credit Applications
Each time you apply for new credit, a hard inquiry is triggered on your credit report, which can temporarily lower your credit score. Minimize the number of new credit applications you submit and instead concentrate on maintaining and responsibly managing your existing card and credit accounts.
Common Features of Near-Prime Credit Cards
Credit cards designed for average credit scores in the 600s have some common features. These features include:
① Annual fees | When it comes to credit cards for average or fair credit scores, expect to pay an annual fee. Fair credit scores are usually the step between secured credit and rewards cards. Outside of proprietary cards from larger banks, expect to pay an annual fee of between $24 and $75 each year. |
② Higher APR | 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 20%.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. |
③ Lower 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. 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. |
④ Rewards | While not common, there are some quality rewards credit cards for people with a fair credit score. Still, better rewards and welcome bonuses come with goodr or excellent credit. |
Conclusion
Your credit score is a powerful tool that influences your financial opportunities, and a fair credit score paves the way for progress. By understanding the nuances of credit scoring, implementing strategies to improve your score, and maintaining responsible credit habits, you can unlock the secrets of fair credit scores and set yourself up for a better financial future.
Remember, your fair credit score is not a permanent label but a reflection of your credit behavior over time. Dedication, perseverance, and the right financial practices can improve your credit score and achieve financial success.
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Near-Prime Credit Cards
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