**Recommended credit
Mission Lane
- Apply with confidence! There's no impact to your credit score if you are declined.
- Enjoy Unlimited 1.5% Cash Back on all Purchases.*
- Be automatically considered for a higher credit line in as few as 7 months.
- Free, online credit score access for cardholders.
- No interest on Purchases when you pay in full and on time each month.
- No security deposit required – get started today!
- Enjoy coverage from Visa®.
- Access your account anytime, anywhere with our mobile app.
- *See Rewards Terms here
**Recommended credit:
Good-Fair
Annual fee
$0
Intro APR
N/A
Ongoing APR
26.99%-29.99% Variable APR
Balance transfer
N/A
Avant
Avant Credit Card
- 1% Unlimited Cash Back on Every Purchase, Everywhere MasterCard is accepted†
- No Limit On The Monthly Rewards You Can Earn†
- Cash back will be awarded as points redeemable for a statement credit†
- We May Periodically Review Your Account For Credit Line Increases
- Fast and Easy Application Process
- Conveniently Pay Your Card Through Our Online Portal, 24/7
- Minimum Finance Charge - If you are charged interest, the charge will be no less than $1.00
- Avant branded credit products are issued by WebBank.
- *Avant Card Terms and Conditions
- †Rewards Terms and Conditions
**Recommended credit:
Fair
Annual fee
$0*
Intro APR
N/A
Ongoing APR
35.99%* fixed APR
Balance transfer
N/A
**Recommended credit
Fair-Poor-Bad-No Credit
- Get more spending power with a refundable security deposit — start with as little as $300 and apply to increase your limit, up to $3,000
- No credit check required to apply — earn up to 10% cash back on purchases
- Boost your credit score fast—2 out of 3 opensky® cardholders see an average increase of 47 points after 6 months
- Track your progress with free access to your FICO® score in our mobile app
- Build your credit history with reporting to all three major credit bureaus: Experian, Equifax, and TransUnion
- Seamless payments—add your card to Apple Pay, Google Pay, and Samsung Pay
- Fast and easy application—apply in minutes with our mobile-first experience
- Join 1.6 million+ cardholders who have used opensky® to build better credit!
**Recommended credit:
Fair-Poor-Bad-No Credit
Annual fee
$0
Intro APR
N/A
Ongoing APR
28.24% (variable)
Balance transfer
N/A
First Latitude
First Latitude Assent Secured Mastercard®
- Is Inflation Impacting Your Credit? A Secured Card Can Help You Rebuild in 2026¹ — Now offering Up To 10% Cash Back at select merchants with First Latitude!^^
- Now offering cash back rewards on select purchases & payments!^^
- Secure your credit line with your refundable security deposit – choose from $200- $2,000. With the ability to increase up to $5,000 over time!
- Designed to push you forward on your credit building journey with $0 Annual Fee.¹
- Build your credit history across 3 major credit reporting agencies: Experian, Equifax, and TransUnion.¹
- All credit types welcome to apply!
- ¹Cardholders who keep their balance low and pay their credit card bill on time every month typically do see an increase in their credit score.
- *See Important Disclosures for complete offer details
- ^^The 10% cash back rate is available only at a limited number of participating merchants. Offer percentages vary by merchant and are subject to change. See First Latitude Rewards Program Terms & Conditions for details.
**Recommended credit:
Limited-Poor-No Credit
Annual fee
$0
Intro APR
N/A
Ongoing APR
27.49% (V)
Balance transfer
N/A
**Recommended credit
Good-Fair-Poor
Sezzle
Sezzle
- Sezzle enables you to obtain no-interest loans for purchases.
- No hard credit check.
- Simple, transparent 6-week payment plan.
- With the Sezzle subscription, Sezzle Anywhere, shoppers can shop at any retailer (in store and in person) and pay in 4 with Sezzle.
**Recommended credit:
Good-Fair-Poor
Annual fee
$0
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
Gemini
The Gemini Credit Card®
- Earn 4% crypto back per dollar spent on gas and EV charging purchases up to $200 in spend per month on the first year. 1% thereafter. Spend cycle refreshes on the 1st of the calendar month.
- Earn 3% on dining and 2% on groceries.
- All other purchases earn 1% crypto back per dollar spent.
- Rewards with the power to grow. Instant crypto rewards. Some exclusions apply to instant rewards in which rewards are deposited when the transaction posts. Subject to Rewards Program Terms.
- No annual fee and no foreign transaction fees. APR rates vary based on creditworthiness. See Rates & Fees for more details.
- You can earn bitcoin, ethereum, or 50+ other cryptos available on Gemini
- Easily change the crypto you want to earn back, as often as you want.
- Gemini operates a cryptocurrency exchange offering products that allow you to buy, sell, and store cryptocurrency and operates the Gemini Credit Card. The Gemini Credit Card is issued by WebBank. It runs on the Mastercard payment network and offers various benefits from Mastercard.
**Recommended credit:
Excellent-Good
Annual fee
$0
Intro APR
N/A
Ongoing APR
Purchase: 18.49% - 34.49% Variable Cash Adv: 30.24% Penalty: 34.24% Accurate as of January 29, 2025
Balance transfer
N/A
* For complete information, see the terms and conditions on the credit issuer or provider's website. Once you click "Apply Now", you will be directed to the issuer or provider's website where you may review the terms and conditions before applying. While Credit.com always strives to present the most accurate information, we show a summary to help you choose a product, not the full legal terms - and before applying you should understand the full terms of products as stated by the issuer or provider itself. The offers are provided by third-parties from whom Credit.com receives compensation. Credit.com will not call you about any credit application resulting from the above offers, and will not ask you over the phone, via email or otherwise for financial information or other sensitive personal data.
** FICO scores and credit scores are used to represent the creditworthiness of a person and may be one indicator to the credit type you are eligible for. However, credit score alone does not guarantee or imply approval for any credit offer.
†Advertiser Disclosure: Credit.com receives compensation for the products and services advertised on this site if our users apply for and sign up for any of them.
Below, we highlight factors you should consider when evaluating and applying for a credit card for fair credit.