At a glance
Placeholder product for staging
- Annual fee
- USD 0
- Welcome bonus
- None
- Purchase APR
- 26.99% variable
- Foreign tx fee
- 3%
Affiliate outbound links activate after program approval. Do not treat placeholder terms as a live offer.
Fairway Builder Card
1.5% back while you build credit. Best for: People with fair scores who want to rebuild with on-time payments.
Pros
- Designed for fair credit
- Reports to all three bureaus
- No annual fee
Cons
- Higher APR
- Lower rewards than excellent-credit cards
- Credit limits may start small
Who it is for
People with fair scores who want to rebuild with on-time payments. Match the card to your actual credit tier: applying far above or below your range wastes hard inquiries and can hurt approval odds.
How we evaluate
We weigh effective rewards on realistic spend, annual fee drag, intro bonus value after spend requirements, and whether the CTA should be apply vs prequalify for the listed credit tiers (fair).
How we make money: we may earn a commission if you are approved through a partner link. That never changes the fee table or the pros and cons above.