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Low Interest Credit Cards for Fair Credit
WalletHub makes it easy to find the best credit card for you.
A low interest credit card is one that has a regular APR below 13% and can therefore help you save on the purchases that you are unable to pay for in full before the end of your billing period. Unfortunately, secured cards are typically the only low interest credit cards for fair credit, and such a card wouldn’t help you much, given that you are required to place a security deposit equal to your credit limit prior to opening it. If your search for low interest credit cards for fair credit stems from a desire to save on a particular upcoming big-ticket purchase, 0% credit cards for fair credit represent a better means of saving on interest. As always, whether you remain interested in the low interest rate credit cards for fair credit listed below or decide that a different type of fair credit credit card will better meet your particular needs, remember to compare numerous offers before submitting an application online. Check out the credit offers below (some of which are issued by WalletHub partners) to find the card that best suits your needs.
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First Progress Platinum Prestige Mastercard® Secured Credit Card First Progress Platinum Prestige Mastercard® Secured Credit Card
- Low regular APR
- Qualify with limited or no credit history
- Membership fees
- No rewards
- No rewards bonus
- Foreign fee
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- See More Details & Reviews About TheFirst Progress Platinum Prestige Mastercard® Secured Credit Card
First Progress Platinum Select Mastercard® Secured Credit Card First Progress Platinum Select Mastercard® Secured Credit Card
- Qualify with limited or no credit history
- Membership fees
- No rewards
- No rewards bonus
- Foreign fee
- Receive Your Card More Quickly with New Expedited Processing Option
- No Credit History or Minimum Credit Score Required for Approval
- Quick and Complete Online Application; No credit inquiry required!
- Includes Free Real-Time Access to Your Credit Score and Ongoing Credit Monitoring powered by Experian
- Full-Feature Platinum Mastercard® Secured Credit Card; Try our new Mobile App for Android users!
- Good for Car Rental, Hotels; Anywhere Credit Cards Are Accepted!
- Monthly Reporting to all 3 Major Credit Bureaus to Establish Credit History
- Credit Line Secured by Your Fully-Refundable Deposit of $200 -- $2,000 Submitted with Application
- Just Pay Off Your Balance and Receive Your Deposit Back at Any Time
- 24/7 Online Access to Your Account
- Nationwide program; available in all 50 US states *See Card Terms.
- Get a fresh start! A discharged bankruptcy still in your credit bureau file will not cause you to be declined.
- See More Details & Reviews About TheFirst Progress Platinum Select Mastercard® Secured Credit Card
First Command Bank Classic Visa® Card First Command Bank Classic Visa® Card
- Earn 1.5 points for exchange and commissary purchases and 1 point for every dollar spent on all other purchases.
- Redeem rewards for travel, cash, merchandise or charity.
- No membership fees
- Low regular APR
- No foreign fee
- Qualify with limited or no credit history
- No rewards bonus
- No intro APR on purchases
- No balance transfers allowed
- Minimum credit limit of $500.
- 24/7 access to client services.
- Travel accident insurance.
- See More Details & Reviews About TheFirst Command Bank Classic Visa® Card
Altra Credit Union Non-rewards Credit Card Altra Credit Union Non-rewards Credit Card
- No membership fees
- Low regular APR
- Qualify with limited or no credit history
- Does not require security deposit
- No rewards
- No rewards bonus
- No intro APR on purchases
- No intro APR on balance transfers
- Travel Accident & Baggage Delay, Travel & Emergency Assistance Services; Visa® Discounts; emergency cash & card replacement
- Apple Pay, Google Pay & Samsung Pay
- Free Altra Secure ID protection and $0 Liability protection backed by Visa.
- See More Details & Reviews About TheAltra Credit Union Non-rewards Credit Card
Credit Union 1 Chrome Credit Card Credit Union 1 Chrome Credit Card
- No membership fees
- Qualify with limited or no credit history
- Does not require security deposit
- No rewards
- No rewards bonus
- No intro APR on purchases
- No intro APR on balance transfers
- An unsecured option to grow your credit.
- See More Details & Reviews About TheCredit Union 1 Chrome Credit Card
First Hawaiian Bank Heritage Credit Card First Hawaiian Bank Heritage Credit Card
- No membership fees
- 2.99% intro APR on purchases
- 2.99% intro APR on balance transfers
- Qualify with limited or no credit history
- No rewards
- No rewards bonus
- Balance transfer fee
- Foreign fee
- 2.99% Intro APR on balance transfers requested within 30 days of account opening.
- Zero liability protection & Mastercard ID Theft Protection.
- Extended Warranty.
- MasterRental Coverage & Mastercard® Global Service.
- See More Details & Reviews About TheFirst Hawaiian Bank Heritage Credit Card
MyUSA Credit Union Visa Classic MyUSA Credit Union Visa Classic
- Automatic enrollment in ScoreCard Rewards.
- Earn 1 point for every net $1 you spend.
- ScoreCard points expire after 36 months.
- No membership fees
- 1.99% intro APR on balance transfers
- No balance transfer fee
- Qualify with bad credit
- No rewards bonus
- No intro APR on purchases
- Foreign fee
- $250,000 travel accident insurance coverage when used to buy airline tickets
- Car rental liability insurance coverage when used to rent car
- See More Details & Reviews About TheMyUSA Credit Union Visa Classic
Questions & Answers
Comparing low interest credit cards for fair credit can be tough. But you’ve got the knowledgeable WalletHub community on your side. We encourage everyone to share their knowledge while respecting our content guidelines. Please keep in mind that editorial and user-generated content on this page is not reviewed or otherwise endorsed by any financial institution. In addition, it is not the financial institution’s responsibility to ensure all posts and questions are answered.show more
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Featured Credit Cards
We work hard to show you up-to-date product terms, however, this information does not originate from us and thus, we do not guarantee its accuracy. Actual terms may vary. Before submitting an application, always verify all terms and conditions with the offering institution. Please let us know if you notice any differences.
† Approval Odds are WalletHub estimates intended to gauge your likelihood of approval for a particular product. Approval Odds are based on WalletHub data and are not provided or endorsed by the lender. Approval Odds are not meant to imply or guarantee that you will be approved by the lender or that credit will be extended. WalletHub may share your information with third-parties in order to show personalized offers, as well as enable you to interact more easily with pre-fill forms or applications. You can opt-out of sharing your personal info here.
Ad Disclosure Certain offers that appear on this site originate from paying advertisers, and this will be noted on an offer’s details page using the designation "Sponsored", where applicable. Advertising may impact how and where products appear on this site (including, for example, the order in which they appear). At WalletHub we try to present a wide array of offers, but our offers do not represent all financial services companies or products.
Editorial and user-generated content on this page is not provided, commissioned, reviewed, approved or otherwise endorsed by any issuer.
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