fair.
November 2026
Fair Card · first from Fair

Credit that plays fair.

2% back in gold, zero FX fees, and a limit that grows with you. A credit card with the full cost printed on the front of the box.

All products
2%
back on everything
₦0
FX markup abroad
₦0
annual fee, year one
fair.
5399 •••• •••• 1108
A. Adeyemi
fair.
5399 •••• •••• 2026
A. Adeyemi
Rewards

Back in gold, not in points.

Every purchase earns 2% back — paid in naira into your Fair savings, at the daily gold rate. No tiers, no rotating categories, no catalogue of toasters.

  • 2% on every purchase, online and in person
  • Lands daily — spend Monday, see it Tuesday
  • Withdraw it any time; it's money, not miles
App screenshot — rewards vault
Placeholder. Replace with a capture of the gold-back vault screen.
Abroad & online

The real rate, everywhere.

Pay in dollars, pounds, or euros at the mid-market rate with zero markup. The exchange rate you see in the receipt is the one on the news.

  • 0% FX markup — we pass the rate straight through
  • Works where Naija cards usually don't — subscriptions, app stores, hotels
  • Freeze it, cap it, or make it online-only in two taps
Paying effortlessly by card at a café abroad
The fair part

You'll always know the cost — in naira.

Before you carry a balance, Fair shows what it costs in actual money, not APR riddles. Your limit starts modest and grows as you repay — the same engine that's priced millions of FairMoney loans.

  • "Carrying ₦100,000 this month costs ₦3,300" — said up front
  • No late-fee traps: we nudge in plain language before the date, not after
  • Repay early, pay less. Always.
App screenshot — cost preview
Placeholder. Replace with the carry-cost sheet capture.
November 2026

Fair Card arrives November 1.

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Until doors open · November 1, 2026 · Lagos first, then everywhere