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Getting a credit card is important these days because it lets you make life changing purchases like a home or vehicle. If you only have fair credit, it might seem difficult or even impossible to qualify for the right credit card. However, there are a few cards available that you can instantly approve for, including those that are appropriate for individuals with fair credit. Here are a few so that you can compare them to determine which is best for you.

Fingerhut Credit Advantage Account Credit Card

fingerhut-credit-advantage-account-credit-cardWith the Fingerhut Credit Advantage Account Credit Card, you have no annual fee and you qualify with either bad or fair credit. Make purchases on items by brands such as Dewalt, KitchenAid and Samsung and pay your bills off with low monthly payments. You can get $50 off your first purchase of at least $200 when using Fingerhut Credit Advantage with a special promo code, NC111. This is a great card for people who regularly shop with Fingerhut.

OpenSky Secured Visa Credit Card

opensky-secured-visa-credit-cardThere is no credit check required to qualify for the OpenSky Secured Visa Credit Card. You can expect an annual fee of $35 and an APR of 17.64 percent. Because this credit card is secured, you put down a security deposit of as low as $200 or as high as $3,000 and determine your own credit line. The security deposit is fully refundable. You can request extra credit whenever you need it and can up your credit line to a maximum of $5,000. Additionally, your usage is reported to all three major credit bureaus – Equifax, Experian and TransUnion, giving you ample opportunity to gradually improve your credit with responsible use of the card.

Capital One Platinum Credit Card

credit-one-platinum-visa-cash-back-rewards-credit-cardThe Capital One Platinum Credit Card is a MasterCard that carries no annual fee. It is available for people with fair credit and has a regular APR of 24.99 percent. After the first five months of opening your account, if you make your payments on time, you can increase your credit line. Pay off your bills at the bank, via check or right from your fingertips on your smartphone using the mobile app. Over time, with responsible use of this credit card, you can improve your credit. You even get fraud coverage in case your card is stolen or lost.

Primor Secured Visa Gold Card

primor-secured-visa-gold-credit-cardThe Primor Secured Visa Gold Card carries a regular APR of 9.99 percent and a $49 annual fee. You can have fair credit and instantly qualify for the card and keep your APR at 9.99 percent as long as your monthly income is greater than your monthly expenses by at least $100. Choose your own credit line from as little as $200 to as much as $5,000 with your secured deposit. With this credit card, you can easily increase your credit reputation and score when you use it responsibly. All of your usage is reported to the three major credit reporting bureaus, Experian, TransUnion and Equifax.

Credit One Platinum Visa Cash Back Rewards Credit Card

credit-one-bank-unsecured-visaYou can reap plenty of rewards with the Credit One Platinum Visa Cash Back Rewards Credit Card. Fair credit is required to qualify for it. The credit card has an annual fee of zero to $99 and is a fully unsecured card with no deposit requirements. The APR range is between 15.65 and 24.15 percent. Earn one percent cash back on groceries and gas purchases and pay off your bills with a flexible payment date to ensure that you always pay on time. You will also receive reviews for raising your credit line.