Do you have less-than-perfect credit and want a credit card to start building your credit scores? No need to stress; we’ve broken down all the best credit cards for those with average credit. These credit cards are designed for those with average credit, which means your chances of getting approved are higher than with credit cards requiring excellent or good credit.
What is considered average credit?
In general, average credit scores can be as low as 650. The easiest way to know if you have average credit is to check your credit scores. Most credit report monitoring services provide you with all three of your credit scores upon signup, and a handful of these services also offer some sort of free trial, so you can test the service without making a financial commitment and essentially get your credit scores for free. Here’s a list of the top credit report monitoring services.
Best credit cards for average credit
So which credit cards are the best for people with average credit? We looked at the top credit cards for average credit and selected the ones that offer the best rewards and perks. Here are our favorites:
Best Overall: Barclaycard Rewards Mastercard
While most credit cards for average credit offer less-than-impressive rewards, the Barclaycard Rewards Mastercard provides you with 2x the points for every $1 you spend on gas, groceries and utilities, and 1x the points for every $1 spent on everything else. In addition to these generous rewards, Barclaycard Rewards Mastercard also has no annual fee, which is rare for cards aimed at those with average credit.
Best for Cash Back: Capital One QuicksilverOne Cash Rewards
Similar to the Barclaycard Rewards Mastercard, the Capital One QuicksilverOne Cash Rewards card does not disappoint when it comes to rewards. You can earn unlimited 1.5% cash back on all purchases. In addition to the generous cash back, Capital One QuicksilverOne Cash Rewards card also provides you with a lengthy 0% APR on all purchases and has no balance transfer fees. Although this card does have a $39 annual fee, it does offer unlimited cash back and even rewards you for making your first five months of payments on time by giving you access to a higher line.
Best for Students: Journey Student Rewards from Capital One
Designed with students in mind, the Journey Student Rewards from Capital One is available to those with limited and fair/average credit. In addition to offering a generous 1% cash back on all purchases, the card rewards you for paying on time. Each month you pay by the due date you’ll get a 25% bonus on the cash you earned that month for a total of 1.5% cash back! The card also has no annual fee and no balance transfer fee.
[Note: Even though the credit cards listed above are best for people with average credit, you are not guaranteed to get approved for any of these cards since your credit scores are not the only factor that a bank looks at when deciding if it should issue you a credit card.]
Disclaimer: This content is not provided or commissioned by the credit card issuer. Opinions expressed here are author’s alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. This content was accurate at the time of this post, but card terms and conditions may change at any time. This site may be compensated through the credit card issuer Affiliate Program.