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Home : Credit Cards for Fair or Above Average Credit

CREDIT CARDS FOR PEOPLE WITH
FAIR OR ABOVE AVERAGE CREDIT

Fair credit credit cards are credit cards meant for people with fair credit or above average credit. The credit card could be a secured credit card or unsecured credit card Visa or Mastercard that allows you in building or rebuilding your credit. Search among the different fair credit credit cards offers below, compare the benefits side by side and apply online.

Search through credit cards offers below for people with fair credit or above average credit.

Determine which card is best for you by comparing offers side by side.

Apply online by filling an application of the credit card of your choice.

UNSECURED CREDIT CARDS FOR CONSUMERS
Unsecured Credit Cards | Students Credit Cards | Business Credit Cards
Secured Credit Cards | Catalog Credit Cards | Prepaid Debit Cards

Capital One® Standard Platinum MasterCard®

0% on purchases until June 2008.
No annual fee
No transfer fees
$0 fraud liability for unauthorized use if your card is lost or stolen
Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One Savings Zone^SM on Yahoo! shopping

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on purchases*	until June 2008*	19.3%*	None*	Yes*	Limited Credit / Needs Improvement*

Capital One® Classic Platinum Visa® Card

0% intro APR on purchases until June 2008.
No balance transfer fees
Low annual fee of $19
$0 Fraud Liability for unauthorized use if your card is lost or stolen
Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Savings Zone^SM on Yahoo! shopping
Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on purchases*	until June 2008*	14.4%*	$19*	Yes*	Limited Credit / Needs Improvement*

Capital One® Classic Platinum MasterCard®

0% intro APR on purchases until June 2008.
No balance transfer fees
Low annual fee of $19
$0 Fraud Liability for unauthorized use if your card is lost or stolen
Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Savings Zone^SM on Yahoo! shopping
Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on purchases*	until June 2008*	14.4%*	$19*	Yes*	Limited Credit / Needs Improvement*

Capital One® Platinum Visa® Card

Pay down balances faster with a low APR
0% intro APR on purchases until June 2008.
No balance transfer fees
Annual fee of $39
$0 Fraud Liability for unauthorized use if your card is lost or stolen
Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Savings Zone^SM on Yahoo! shopping
Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on purchases*	until June 2008*	8.4%*	$39*	Yes*	Limited Credit / Needs Improvement*

Capital One® Platinum MasterCard®

Pay down balances faster with a low APR
0% intro APR on purchases until June 2008.
No balance transfer fees
Annual fee of $39
$0 Fraud Liability for unauthorized use if your card is lost or stolen
Exclusive savings: up to 40% off featured deals and 10% savings on everything else at Capital One® Savings Zone^SM on Yahoo! shopping
Platinum Benefits including extended warranties, travel accident insurance and 24 hour roadside assistance

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on purchases*	until June 2008*	8.4%*	$39*	Yes*	Limited Credit / Needs Improvement*

Capital One® Platinum Max^SM Mastercard®

Put away the worry of increasing interest rates
16.9% fixed on purchases for 3 years
Fixed rate won't increase for three years—no matter what
No cash advance fee
$19 annual fee
No balance transfer fees
$0 Fraud Liability for unauthorized use if your card is lost or stolen
Additional safety with your purchases, thanks to an extended warranty program

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on purchases*	until June 2008*	16.9%*	$29*	Yes*	Limited Credit / Needs Improvement*

Capital One® No Hassle Cash^SM Rewards Visa® Card for Limited Credit

Capital One No Hassle Cash<sup>SM</sup> Rewards Visa Card

0% APR on purchases until June 2008.
No balance transfer fees
Credit Limit up to $3,000
25% annual bonus on the cash rewards you've earned during the year
1% cash back on every purchase
No limit on cash rewards you can earn
No expiration on cash rewards for the life of your account
Redeem cash whenever you like and no minimum to redeem for cash
$29 annual fee

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on purchases*	until June 2008*	16.4%*	$29*	Yes*	Limited Credit / Needs Improvement*

Capital One® No Hassle Cash^SM Rewards Visa® Card for Fair / Above Average Credit

Capital One No Hassle Cash Rewards Visa Card

For customers with above average credit

No annual fee
No balance transfer fees
1% cash back on all purchases
No limit on cash back and rewards won’t expire for the life of your account
16.9% APR on purchases and balance transfers
Request your cash back rewards whenever you want

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	16.9%*	None*	Yes*	Fair / Above Average Credit*

Capital One® No Hassle Miles^SM Rewards Visa Card for Above Average Credit

Capital One No Hassle Miles Rewards Visa Card

Earn miles 25% faster than with regular miles cards—for customers with above average credit

No annual fee
No balance transfer fees
Earn 1.25 miles for each dollar spent on purchases
No expiration date on miles and no limit on the miles you can earn
No blackout dates or seat restrictions
16.9% APR on purchases and balance transfers
5 different redemption options: Travel, Cash, Merchandise, Charitable Donations, or Gift Certificates
$0 fraud liability for any unauthorized use if your card is lost or stolen
24-hour Travel and Emergency Assistance
Additional protection on your purchases with an extended warranty program from Visa®

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
N/A*	N/A*	16.9%*	None*	Yes*	Fair / Above Average Credit*

Capital One® No Hassle Points^SM Rewards Visa® Card

0% APR on purchases until June 2008.
No balance transfer fees
Credit Limit up to $3,000
Earn 5 points per dollar spent at gas stations, major grocery and drug stores
1 point per every purchase
No limit on point rewards you can earn
No expiration on point rewards for the life of your account
$29 annual fee
Platinum Benefits including extended warranties, travel accident insurance, and 24-hour roadside assistance

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on purchases*	until June 2008*	16.4%*	$29*	Yes*	Limited Credit / Needs Improvement*

Orchard Bank Classic MasterCard®

Acceptance at millions of locations worldwide, including website purchases and reservations
Your account information is updated and at your fingertips 24/7 so you can manage it your way
Email and text messages to remind you of your upcoming payment due date with online enrollment

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0%*	6 months	as low as 14.90%*	0 to $79*	Yes*	Bad Credit OK*

Orchard Bank Low APR MasterCard®

Now with the Orchard Bank® MasterCard®, people with bad credit not only get one of the lowest APRs available, they also get:

8.9% variable purchase APR on all cards
Free standard Online Bill Pay, no matter how often you use it
Flexible payment options - your choice of payment due dates to make paying your bill on time easier with online enrollment
100% Fraud liability Protection for safe, secure purchases
The buying power and prestige of MasterCard, accepted at 20 million locations
Email or text message alerts to remind you of your available balance and upcoming payment due date with online enrollment

You’ll receive a credit card offer, regardless of your credit score.

Intro APR	Intro APR Period	Regular APR	Monthly Fee	Balance Transfers	Credit Needed
N/A*	N/A*	8.9%*	$5 - $8*	N/A*	Bad Credit OK*

Orchard Bank Premium Low Interest MasterCard®

8.9% variable purchase APR on all cards!
0% Introductory APR on card purchases and balance transfers for six months, for qualifying applicants.*
MasterCard's Platinum Benefits package to extend warranties on purchases you make with your card.
100% Fraud Liability Protection

Intro APR	Intro APR Period	Regular APR	Monthly Fee	Balance Transfers	Credit Needed
0% on purchases and balance transfer*	12 months*	8.9%*	$0 to $8*	Yes*	Bad Credit OK*

Orchard Bank Premium 2% Cash Back Visa® Card

Receive 2% cash back on new net retail purchases, and redeem in $25 increments
0% Introductory APR on card purchases and/or balance transfers for 6 or 12 months, to qualifying applicants.*
Receive additional discounts and protection on your credit card purchases

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on purchases and/or balance transfer*	6 or 12 months*	as low as 14.90%*	$0 to $35*	Yes*	Bad Credit OK*

Tribute Gold MasterCard Credit Card

Looking for an unsecured Gold MasterCard®? Then Tribute® Gold MasterCard® Credit Card is for you. Let the Tribute® Gold MasterCard® Credit Card give you the buying power you deserve with additional benefits such as travel accident insurance, extra warranty protection on purchases made with your Tribute® Gold MasterCard® Credit Card and auto rental insurance*.

Unsecured MasterCard
Problem getting a credit card due to past credit history? This could be the card for you!
Accepted at millions of locations worldwide

Intro APR	Intro APR Period	Regular APR	Monthly Fee	Balance Transfers	Credit Needed
N/A*	N/A*	as low as 14.99*	as low as $6*	Yes*	Bad Credit OK*

CAPITAL ONE STUDENTS CREDIT CARDS
Unsecured Credit Cards | Student Credit Cards | Business Credit Cards
Secured Credit Cards | Catalog Credit Cards | Prepaid Debit Cards

Capital One® Standard Platinum MasterCard® for Students

If you have a limited credit history and are starting to establish a credit foundation, this card can grow with you while providing great benefits

0% APR on purchases until June 2008.
No annual fee
No balance transfer fees
A manageable credit line to help control your finances
$0 fraud liability if your card gets lost or stolen
24-hour Roadside Assistance with lock-out service, towing, and flat repair
Collision, Damage, and Loss Insurance on rental cars

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on purchases*	until June 2008*	19.3%*	None*	Yes*	Limited Credit / Needs Improvement*

Capital One® No Hassle Cash^SM Rewards for Students

Capital One No Hassle Cash Rewards for Students

If you have a limited credit history or past credit problems, this cash rewards card is for you

25% annual bonus on the cash you earn during the year
1% cash back on purchases you make from day one
No limit on cash back rewards
Rewards won’t expire for the life of your account
0% APR on purchases until June 2008. After that, variable APR, currently 16.4%
No balance transfer fees
$29 annual fee
$0 Fraud Liability for unauthorized use if your card is lost or stolen

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on purchases*	until June 2008*	16.4%*	$29*	Yes*	Limited Credit / Needs Improvement*

CAPITAL ONE BUSINESS CREDIT CARDS
Unsecured Credit Cards | Student Credit Cards | Business Credit Cards
Secured Credit Cards | Catalog Credit Cards | Prepaid Debit Cards

Capital One® Visa® Business Platinum with Preferred No Hassle Miles^SM

0% APR on purchases until March 2009
No Annual Fee
Credit Line up to $20,000
Free employee cards with individual spending limits you set
Earn two miles for each dollar spent on travel and entertainment—plus one mile for every dollar spent on other purchases.
Earn double miles at hotels, restaurants and more. Great for business travelers.
Flexible redemption options: redeem miles for travel, cash back, merchandise, and more
No Hassle Miles Benefits:

No limit on the miles you can earn
No miles expiration—keep them for the life of your account
Fly any airline, with no blackout dates or seat restrictions

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on purchases*	untill March 2009*	as low as 9.99%*	None*	Yes*	Fair / Above Average Credit*

Capital One® Visa Business Platinum with No Hassle Miles^SM

0% APR on purchases until March 2009
No Annual Fee
Credit Line up to $20,000
Free employee cards with individual spending limits you set
Earn 1 mile per dollar spent on purchases
Flexible redemption options: redeem miles for travel, cash back, merchandise, and more
No Hassle Miles Benefits:

No limit on the miles you can earn
No miles expiration—keep them for the life of your account
Fly any airline, with no blackout dates or seat restrictions

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on purchases*	untill March 2009*	as low as 9.99%*	None*	Yes*	Fair / Above Average Credit*

Capital One® Visa® Business Platinum with No Hassle Cash^SM

0% APR on purchases until March 2009
No annual fee
credit limit up to $20,000
1% cash back on all purchases with no category limits and no restrictions
A 25% bonus each year on cash you earned the previous year
No Hassle Cash is easily and quickly redeemable online or by phone
No limit on the cash you can earn
Free employee cards with individual spending limits you set

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on purchases*	untill March 2009*	as low as 14.99%*	None*	Yes*	Fair / Above Average Credit*

Capital One® Visa® Business Platinum Card

This card is for new or established business owners who want to build their business credit history
0% APR on purchases until March 2009
No annual fee
Credit line up to $12,000
Free year-end summary
Free employee cards with individual spending limits you set

Intro APR	Intro APR Period	Regular APR	Annual Fee	Balance Transfers	Credit Needed
0% on purchases*	untill March 2009*	as low as 9.99%*	None*	Yes*	Fair / Above Average Credit*