Fair Credit - Credit Cards

Today’s Featured Card

Experian CreditMatch™

Get Personalized Credit Card Offers Based on Your Credit Profile from Experian®. 100% Free!

Rating
Credit Recommended
Any Credit Welcome
Regular Purchase APR
See Terms
Annual Fee
See Terms
Updated For
Sun 03 Aug 2025
Full Details
Card Page

Arro Card

No hard inquiry to apply

Card Brand
MasterCard
Credit Recommended
All Credit Types Accepted
Annual Fee
$36* (*discounted in Year 1 for starting credit lines under $200)
Regular Purchase APR
16% Variable
Rewards
n/a
Full Details
Card Page

Highlights

No hard inquiry to apply.
Apply in 5 minutes or less.
Get up to $200 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.

Experian® Personal Loans Match

Let us match you to personalized loans offers

Card Brand
MasterCard
Credit Recommended
Fair/Poor
Annual Fee
See Terms
Regular Purchase APR
See Issuer Website
Rewards
See Issuer Website
Full Details
Card Page

Highlights

Let us match you to personalized loans offers.
Get started with your FICO® ScoreΘ for free. Learn about personal loans.

See your FICO® ScoreΘ for free
Get your FICO® Score and Experian Credit Report along with the positive and negative factors impacting your credit.

Offers matched to you
We’ll help analyze your individual credit situation and match you to the best offers specifically for you.

Gain a trusted financial partner
Experian’s vast data assets and smart analytics power are available to you so you can be better at credit.

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
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.

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
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.

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
See Terms
Regular Purchase APR
35.9%
Rewards
n/a
Full Details
Card Page

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.

Milestone® Mastercard® – 1.5% Cashback Rewards

Unlimited 1.5% Cashback Rewards earned on every purchase

Card Brand
MasterCard
Credit Recommended
Fair
Annual Fee
See Terms
Regular Purchase APR
See Terms
Rewards
Unlimited 1.5% Cashback Rewards earned on every purchase
Full Details
Card Page

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!

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
Regular Purchase APR
35.90%
Rewards
n/a
Full Details
Card Page

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.

Upgrade Select Visa®

See if you qualify in minutes without hurting your credit score

Card Brand
Visa
Credit Recommended
Fair
Annual Fee
$39.00
Regular Purchase APR
21.96% -29.99%
Rewards
Up to 10% cash back from your favorite brands with Upgrade Shopping
Full Details
Card Page

Highlights

$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
Combine the fl exibility of a card with the predictability of a personal loan
Up to 10% cash back from your favorite brands with Upgrade Shopping
See if you qualify in seconds with no impact to your credit score
No touch payments with contactless technology built in
Mobile app to access your account anytime, anywhere
Use your card anywhere Visa is accepted
Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy

Welcome Bonus Disclosure: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus off er. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information. Welcome bonus off ers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card off er and may not be available for other Upgrade Card offers.

State Exclusions: DC, IA, WV, WI, CT, GA, MA

Link to Rates and Terms: https://upgrade.zendesk.com/hc/en-us/articles/20415490542747-Upgrade-Select-Card-details

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
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.

Milestone® Mastercard®

Greater access to credit than before - $700 credit limit

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

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

PREMIER Bankcard® Gold Credit Card

Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority

Card Brand
MasterCard
Credit Recommended
Fair/Poor
Annual Fee
See Terms
Regular Purchase APR
See Terms
Rewards
n/a
Full Details
Card Page

Highlights

Don’t let a low credit score stop you from pre-qualifying — second chances are our first priority.
PREMIER Bankcard credit cards are made for people with less-than-perfect credit.
Credit limit increase eligible after 12 months of consistent responsible account management.
We’ll provide you a manageable credit limit and manageable payments meant to help you stick to your budget.
Award-winning, U.S.-based customer service