Fair Credit - Credit Cards

Think fair credit means you’re out of options? Think again. There are plenty of credit cards designed specifically for people with fair credit—and many come with features that can actually help you boost your score over time. Whether you’re considering the Surge® Mastercard® or the First Access Visa®, we’ve got you covered. Our credit card picks are based on the things that matter most: interest rates, fees, approval requirements, and even brand reputation. Take the guesswork out of your search and discover the right card for your financial goals.

LEARN MORE

Milestone® Mastercard® with Cashback Rewards

Guaranteed $1,000 credit limit if approved.

Card Brand
MasterCard®
Credit Recommended
Fair
Annual Fee
$250 the first year; $99 thereafter
Monthly Fee
$0 the first year (billed $0 each month); $231 annually thereafter (billed $19.25 each month)
Regular Purchase APR
35.90%
Rewards
Earn 5% Cashback Rewards on your first $5,000 in gas purchases! See Terms.
Full Details
Card Page

Highlights

Guaranteed $1,000 credit limit if approved.
Fuel your savings: Earn 5% Cashback Rewards on your first $5,000 in gas purchases! See Terms.
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Get the credit you deserve, even with less-than-perfect history.
Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
Don’t Have Perfect Credit? No Problem!
No security deposit required—get started today!

Card Details Page

LEARN MORE

2026 Top Editor's Choice

Arro Card

Start with credit limit up to $300, grow to $2,500

Card Brand
MasterCard®
Credit Recommended
All Credit Types Accepted
Annual Fee
$60* (*discounted in Year 1 for starting credit lines under $300)
Monthly Fee
N/A
Regular Purchase APR
24.99%
Rewards
1% cashback on gas and groceries
Full Details
Card Page

Highlights

No hard inquiry to apply.
Apply in 5 minutes or less.
Get up to $300 with the unsecured Arro Card. Grow your credit line up to $2,500.
Earn 1% cash back on gas & groceries, including Walmart and Target
Instantly increase your credit limit as you master your personal finances in the Arro app.
Reports to all 3 credit bureaus.
The Arro Card is issued by Community Federal Savings Bank, member FDIC, pursuant to license by Mastercard International.

Card Details Page

LEARN MORE

Indigo® Mastercard® for Less than Perfect Credit

Higher limit than before, still no security deposit required!

Card Brand
MasterCard®
Credit Recommended
Bad/Poor/Fair
Annual Fee
$175 the first year; $49 thereafter
Monthly Fee
$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
Regular Purchase APR
35.9%
Rewards
n/a
Full Details
Card Page
Rates & Fees

Highlights

Now with higher credit limits
Increase your access to available credit
Higher limit than before, still no security deposit required!
Greater access to credit than before
Less than perfect credit is okay
Mobile account access at any time
Account history is reported to the three major credit bureaus in the U.S.

Card Details Page

LEARN MORE

Imagine® Visa® Credit Card

Up to $1,000 credit limit subject to credit approval

Card Brand
Visa®
Credit Recommended
Fair/Poor
Annual Fee
As low as $99
Monthly Fee
N/A
Regular Purchase APR
36% Fixed
Rewards
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Full Details
Card Page

Highlights

Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
Up to $1,000 credit limit subject to credit approval
$0 fraud liability**
No Security Deposit
The Imagine Card is issued by WebBank
Review Cardholder Agreement for rate and fee information

*See Program Terms for important information about the cash back rewards program.

**Zero liability subject to Visa’s Zero Liability Policy.

Card Details Page

LEARN MORE

Aspire® Cash Back Rewards Mastercard

Up to $1,000 credit limit subject to credit approval

Card Brand
MasterCard®
Credit Recommended
Fair
Annual Fee
$85-$175 first year, $229 thereafter
Monthly Fee
N/A
Regular Purchase APR
36% Fixed
Rewards
Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
Full Details
Card Page

Highlights

Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
Up to $1,000 credit limit subject to credit approval
Prequalify** without affecting your credit score
No security deposit
Free Access to your Credit Score†

*See Program Terms for important information about the cash back rewards program.

** Prequalify means that you authorize us to make a soft inquiry into your credit history (that will not affect your credit) to create an offer. If you accept an offer a hard inquiry will be made. Final approval is not guaranteed if you do not meet all applicable criteria (including adequate proof of ability to repay). Income verification through access to your bank account information may be required.

† Your credit score will be available in your online account starting 60 days after your account is opened. (Registration required.) The free VantageScore 4.0 credit score provided by TransUnion® is for educational purposes only. This score may not be used by The Bank of Missouri (the issuer of this card) or other creditors to make credit decisions.

Card Details Page

LEARN MORE

Milestone® Mastercard® – 1.5% Cashback Rewards

Unlimited 1.5% Cashback Rewards earned on every purchase

Card Brand
MasterCard®
Credit Recommended
Fair
Annual Fee
$175 the first year; $49 thereafter
Monthly Fee
$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
Regular Purchase APR
See Terms
Rewards
Unlimited 1.5% Cashback Rewards earned on every purchase
Full Details
Card Page
Rates & Fees

Highlights

Turn everyday purchases into 1.5% Cashback Rewards!
A guaranteed $700 credit limit to help get your financial goals on track, if approved.
Apply with Confidence! No Impact to your credit score if you cannot be approved. See terms.
No upfront security deposit required so you can keep more money in your pocket.
Join over a million consumers who are working on building their access to credit.
Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
A rewards card for people with less than perfect credit!

Card Details Page

LEARN MORE

Destiny® Mastercard® with Instant Credit

A guaranteed $700 credit limit to help get your financial goals on track, if approved.

Card Brand
MasterCard®
Credit Recommended
Fair
Annual Fee
$175 the first year; $49 thereafter
Monthly Fee
$0 the first year (billed $0 each month); $150 annually thereafter (billed $12.50 each month)
Regular Purchase APR
35.90%
Rewards
n/a
Full Details
Card Page
Rates & Fees

Highlights

A guaranteed $700 credit limit to help get your financial goals on track, if approved.
Don’t wait for your card to come in the mail. If approved, add your card to your mobile wallet and shop today. See Terms.
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
No security deposit, just instant purchasing power. See Terms.
Zero Fraud Liability – Peace of mind that comes with having a Mastercard.
Get the credit you deserve, even with less-than-perfect history.

Card Details Page

LEARN MORE

Fortiva® Cash Back Rewards Mastercard

Up to $1,000 Credit Limit

Card Brand
MasterCard®
Credit Recommended
Fair
Annual Fee
$85-$175 first year, $229 thereafter
Monthly Fee
N/A
Regular Purchase APR
36% Fixed
Rewards
Up to 3% Cash Back Rewards; 3% Cash Back Rewards on Gas, Groceries and Utility Bill Payments. 1% Cash Back Rewards on all other eligible purchases.
Full Details
Card Page

Highlights

Earn Cash Back Rewards* – 3% on Eligible Gas, Groceries, and Utilities, and 1% on All Other Eligible Purchases
Use Anywhere Mastercard is Accepted
No Security Deposit
$0 fraud liability**
Free access to your Credit Score†

*See Program Terms for important information about the cash back rewards program.

**Fraud liability subject to Mastercard rules.

Card Details Page

LEARN MORE

Milestone® Mastercard®

Greater access to credit than before - $700 credit limit

Card Brand
MasterCard®
Credit Recommended
Fair/Good
Annual Fee
See Terms
Monthly Fee
See Terms
Regular Purchase APR
See Terms
Rewards
n/a
Full Details
Card Page
Rates & Fees

Highlights

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

Card Details Page