Compare Average Credit Credit Cards

If your credit rating lands somewhere between good and bad, look no further than these credit cards developed for those with average credit or a limited credit history. These cards from our partners even offer many of the same great features and benefits as cards for those with excellent credit ratings. Perks include 0% introductory APRs on purchases and balance transfers, cash back rewards and no annual fees. If you have questions about credit cards that aren't answered here, take at look at our Credit Card FAQs.

Updated 09-27-2016

Average Credit Credit Card Comparison Chart

Name & CardPurchase APRFeaturesAnnual FeeCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
Our Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Discover it® - Cashback Match™
0% for 12 months, then 11.24% – 23.24% VariableDouble your cash back at end of 1st year; 5% cash back on purchases within select categories up to the quarterly maximum; 1% on all other purchases$0Excellent, Good, Average
Our Rating:
Double your cash back at end of 1st year; 12-month 0% intro APR on purchases & balance transfers.
Discover it®- 18 Month Balance Transfer Offer
0% for first 6 months,
then 11.24% – 23.24% Variable
5% cash back on purchases within select categories up to the quarterly maximum; 1% on all other purchases$0Excellent, Good, Average
Our Rating:
18-month 0% intro APR on balance transfers; Double your cash back at end of 1st year
Discover it® chrome
0% for 12 months,
then 11.24% – 23.24% Variable
2% cash back on up to $1,000 quarterly in combined purchases on restaurants & gas; 1% on all other purchases$0Excellent, Good, Average
Our Rating:
Double your cash back at end of 1st year; Cash back rewards without registering quarterly; 12-month 0% intro APR on purchases & balance transfers
Capital One® QuicksilverOne® Cash Rewards Credit Card
0% intro on purchases for 9 months, then 23.24% (Variable)Unlimited 1.5% cash back on all purchases$39Average, Fair, Limited
Our Rating:
Smart pick for those with average credit; 1.5% cash back on all purchases; 0% intro APR on purchases and balance transfers
Name & CardPurchase APRFeaturesAnnual FeeCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
Our Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Discover it® Miles
0% for first 12 months,
then 11.24% – 23.24% Variable
Your miles are matched at end of first year, 1.5 miles per $1 spent on all purchases$0Excellent, Good, Average
Our Rating:
Great overall travel rewards card; Your miles are matched at end of first year
Barclaycard Rewards MasterCard®
25.24%* Variable2 points per $1 on gas, grocery and utilities; 1 point per $1 on everything else$0Fair
Our Rating:
Great choice for those with fair credit; strong rewards program
Journey® Student Rewards from Capital One®
20.24% (Variable)1% cash back on all purchases$0Average, Fair, Limited
Our Rating:
Great choice for students, designed to help build good credit, cash back bonus for paying bill on time
Capital One® Platinum Credit Card
24.99% (Variable)A good choice for those with average or limited credit$0Average, Fair, Limited
Our Rating:
Good for those with average credit who are looking to rebuild their credit history
Name & CardPurchase APRFeaturesAnnual FeeCredit Needed
Don't know your credit rating? Find out what your credit score means or get a free credit score and explanation with our top-reviewed credit monitoring services.
Our Rating & Bottom Line
Our editors thoroughly research all the credit card offers we review, comparing interest rates, features, rewards programs, annual fees, late fees and other features. After weighing the information the editors give an overall star rating for each card. After our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The ratings are the expert opinion of our editors, and not influenced by any remuneration this site may receive from card issuers. Not all products from all issuers have been evaluated.
Milestone® Mastercard® with Free Choice of Card Image
23.9%A good choice for those with average or limited credit$35 - $99 annual feeFair / Good
Our Rating:
Good for those with fair to average credit, comes with Mastercard benefits
Capital One® Spark® Classic for Business
23.24% (Variable)Earn 1% cash back on all purchases$0Average, Fair, Limited
Our Rating:
Good choice for those with average credit who want to earn 1% cash back on all purchases

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