**Recommended credit
- Build credit faster, cheaper, and safer
- No credit checks and no credit history are required to open a credit card
- Accepts immigrants and internationals without an SSN - apply with a passport and visa.
- Monitor your credit score right in the app
- 0% APR. Don’t worry about overspending. What you deposit is what you can spend.
- Get up to 15% Merchant Cashback at 29,000+ partner merchants
- Get up to 10% Random Cashback on all qualifying transactions
- Earn an additional 1% Unlimited Cashback with Firstcard Premium on all qualifying transactions on top of the two cashback offerings (Merchant Cashback and Random Cashback)
- Earn 4.00% APY with Firstcard Premium, 2.00% APY with Firstcard+, or 0.75% APY with Firstcard Standard on the money in your Firstcard
- Your money is protected with Firstcard — automatically insured up to $250,000 by FDIC (backed by the U.S. government)
**Recommended credit:
Good-No Credit
Annual fee
$4.99 a month
Intro APR
N/A
Ongoing APR
N/A
Balance transfer
N/A
Arro
Arro Card
- 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.
**Recommended credit:
Good-Fair-Poor-No Credit
Annual fee
$60* (*discounted in Year 1 for starting credit lines under $300)
Intro APR
N/A
Ongoing APR
24.99% Fixed
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.