Best credit cards for average, fair and limited creditAlthough there seem to be potentially limitless credit card options for those with good or excellent credit, you might find yourself wondering if there any options for someone with not-so-perfect credit? Yes, there are actually a number of credit cards for those with average, fair or limited credit. In fact, most of the cards available to those with not-so-spotless credit offer some of the great perks that cards for those with excellent credit offer, like cash back rewards and long 0% intro APR periods. To help you find the right card for your needs, we’re breaking down the best credit cards for average, fair and limited credit.

Best Credit Cards for Average, Fair and Limited Credit

Discover it – Cashback Match

best credit cards for average, fair and limited creditIf you’re looking for a card that’s available to those with average to excellent credit (usually considered a credit score of 670 or higher), it doesn’t get much better than the Discover it – Cashback Match. That’s because this credit card offers impressive cash back rewards with no annual fee, no foreign transaction fees and a long 0% intro APR. Cardholders will earn 5% cash back on purchases made in categories that rotate every quarter they activate (up to the quarterly maximum, currently $1,500, then it’s 1% back) and 1% cash back on all other purchases. The 5% categories vary quite a bit, which gives you the opportunity to earn cash back on a number of purchases. For example, from October through the end of 2017, you’ll earn 5% cash back at Amazon.com and Target, which is perfect for holiday purchases! Previous categories for 2017 include gas stations, ground transportation and wholesale clubs from January through March, then home improvement stores and wholesale clubs from April through June and restaurants from July through September. Next, Discover will match all of the cash back you’ve earned at the end of your first year as a cardholder — this means if you’ve earned $500, Discover will match that and give you a total of $1,000! On top of that, cardholders pay no annual fee and get a 14-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee). Discover also offers a handful of perks to its cardholders, including free identity theft alerts to customers who enroll, special deals and discounts through Discover Deals and access to Discover it Freeze, a feature that allows cardholders to quickly block or unblock their card if they ever lose or misplace it. If you’re a hockey fan, consider the NHL Discover it Card, which offers the same rewards and allows you to sport your favorite NHL team.

Prefer a card with no rotating categories? Discover it chrome is your best bet because it earns 2% cash back at restaurants and gas stations (up the the quarterly maximum, currently $1,000, in combined purchases, then it’s 1% back) and 1% on all other purchases. Similar to Discover it – Cashback Match, Discover will match all of the cash back you’ve earned at the end of your first year. Cardholders also get a 14-month 0% intro APR on purchases and balance transfers (with a 3% balance transfer fee) and pay no annual fee. They also receive the same cardholder perks, including identity theft protection alerts, Discover Freeze it and Discover Deals.

Discover it – 18 Month Balance Transfer Offer

best credit cards for average, fair and limited creditTired of paying high interest on your credit card balance? Discover it – 18 Month Balance Transfer Offer can help because it offers an 18-month 0% intro APR on balance transfers (with a 3% balance transfer fee) and is available to those with average to excellent credit. The rewards don’t stop there, as this card also offers a 6-month 0% intro APR on purchases, has no annual fee as well as no foreign transaction fees and earns some impressive cash back rewards. You’ll earn 5% cash back in categories that rotate quarterly — note that these categories are the same as its sister card, Discover it – Cashback Match, listed above — and 1% cash back on all other purchases. Cardholders are required to activate the 5% cash back every quarter, but Discover will remind you when it’s time. On top of that, Discover will match all of the cash back you’ve earned at the end of your first year as a cardholder, which means if you earn $400, Discover will match that and give you a total of $800 back. Rounding out the card are the same identity theft protection and Discover Freeze it features that its sister card offers.

Discover it Miles

best credit cards for average, fair and limited creditThose who prefer travel rewards will be pleased with Discover it Miles. That’s because this card earns an unlimited 1.5X miles back on any purchase and Discover will match your miles after your first year as a cardholder, meaning if you earn 10,000 miles in your first year, Discover will match that to give you a total of 20,000 miles back. Because you redeem your rewards for statement credit toward travel purchases, you’re able to book your travel however and whenever you want — you don’t need to worry about blackout dates! Cardholders will also receive a 14-month 0% intro APR on purchases, and similar to the cards noted above, Discover it Miles cardholders also receive identity theft alerts and the Freeze it feature. On top of paying no annual or foreign transaction fees, Discover it Miles offers flight accident insurance (up to $500,000) and auto rental insurance (up to $25,000), both of which are ideal perks for frequent travelers. This card is available to those with average to excellent credit.

Capital One QuicksilverOne Cash Rewards Credit Card

best credit cards for average, fair and limited creditThe Capital One QuicksilverOne Cash Rewards Credit Card is available to those with average, fair or limited credit. Earning rewards is easy with this card because cardholders earn an unlimited 1.5% cash back on all purchases. There are no rotating categories to worry about or signups needed to earn rewards — you will automatically earn 1.5% cash back on every purchase, every day. Cash back rewards can be redeemed for statement credit or gift cards, and you can even set your rewards to auto-redeem after you’ve earned a certain amount. Cardholders will have to pay a $39 annual fee and there’s no 0% intro APR on purchases or balance transfers, but since the card is available to those with not-so-great credit and offers cash back rewards, it’s still a good deal. Responsible use of the Capital One Quicksilver One Cash Rewards Credit Card can help you build credit, and after you make your first 5 monthly payments on time, you’ll get access to a higher credit line.

Capital One Platinum Credit Card

best credit cards for average, fair and limited creditRounding out our list is the Capital One Platinum Credit Card, which is available to those with average, fair or limited credit. This card makes things simple because it has no annual fee and does not earn any cash back or offer a 0% intro APR. In fact, its main purpose is to help you strengthen your credit for the future by using the card responsibly, which makes it a great option for those looking for a no-frills credit card.

Finding the right credit card for your needs and spending habits can be a challenge, especially if you have not-so-perfect credit. As you learned from this blog post, there are a number of solid credit cards for average, fair and limited credit. If you want to learn more about these cards or apply for one online, visit our reviews of the best credit cards for average credit.

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.