Ad Disclosure

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.

Average Credit Credit Card Reviews & Prices

Updated 05-22-2015

Name & CardPurchase APRFeaturesAnnual FeeCredit Needed Our Rating & Bottom Line
Barclaycard® Rewards Mastercard®
Barclaycard<sup>®</sup> Rewards Mastercard<sup>®</sup>24.99% Variable2 points per $1 on gas, grocery and utilities; 1 point per $1 on everything elseNoneFair
Our Rating:
Great choice for those with fair credit; strong rewards program
Capital One® QuicksilverOne® Cash Rewards Credit Card
Capital One<sup>®</sup> QuicksilverOne<sup>®</sup> Cash Rewards Credit Card0% until Feb 2016,
then 22.9% (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
Journey® Student Rewards from Capital One®
Journey<sup>®</sup> Student Rewards from Capital One<sup>®</sup>19.8% (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® Classic Platinum Credit Card
Capital One<sup>®</sup> Classic Platinum Credit Card20.9% (Variable)Get access to a higher credit line after making your first 5 monthly payments on time.$39Average/Fair/Limited
Our Rating:
No balance transfer fee, ability to personalize card with image
Name & Card Purchase APR Features Annual Fee Credit Needed Our Rating & Bottom Line
Capital One® Platinum Credit Card
Capital One<sup>®</sup> Platinum Credit Card24.9% (Variable)A good choice for those with average or limited credit$0 intro for first year; $19 after thatAverage/Fair/Limited
Our Rating:
Good for those with average credit who are looking to rebuild their credit history, ability to personalize card with image
Milestone Gold Mastercard®
Milestone Gold Mastercard<sup>®</sup>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 interested in rebuilding their credit history, comes with Mastercard benefits
Capital One® Spark® Classic for Business
Capital One<sup>®</sup> Spark<sup>®</sup> Classic for Business22.9% (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

Disclaimer: This content is not provided or commissioned by the credit card issuers. Opinions expressed here are author's alone, not those of the credit card issuers, and have not been reviewed, approved or otherwise endorsed by the credit card issuers. This site may be compensated through the affiliate program of the credit card issuers.

Select Next Advisor Blog Posts

Chase Slate Adds No Penalty APR Feature
Chase Slate, our No. 1 ranked Balance Transfer card, just added a great new feature. Now cardholders will no longer see their interest rate increase if they pay late for any reason. Many cards impose a penalty APR after just one late payment, but Chase Slate will never increase your APR for late payments. This [...]

2015 Travel Rewards Credit Card Analysis Results
Earning points and miles with a travel rewards credit card can be confusing. How can you know how much these rewards are actually worth? We've decided to take the guessing out of travel rewards by investigating the value of major travel rewards cards. Our 2015 Travel Rewards Credit Card Analysis compared the cost of travel [...]

Discover Freeze it Helps Keep Your Card Safe
If you've been watching TV in the last couple of weeks, you've probably seen a commercial for the cool new Discover Freeze it feature. It lets current Discover cardholders quickly and temporarily "freeze" their card account using their computer or smartphone app, thereby preventing new purchases, cash advances and balance transfers. Once the card has [...]

Prepaid and Secured Cards: What's the Difference?
If you have poor or limited credit, you might think it's impossible for you to get a credit card. Fortunately, that's not true. Prepaid cards and secured credit cards are two great options for people who might not qualify for a credit card. If you're trying to decide whether to get a prepaid card or [...]

Citi Simplicity: The Longest 0% APR in Town
Do you need to make a large purchase, but are worried about being able to pay it off in a timely manner? Or are you already paying interest on credit card balances that you can't pay off right away? Consider the Citi Simplicity card (a NextAdvisor advertiser). While there are many other cards with 0% [...]

Capital One and Uber Partner to Bring 20% Discount and Free Rides
Uber users who pay with a Capital One Quicksilver credit card are going to save some serious money through the end of April 2016. As a result of a recent partnership, Uber customers who pay with a Capital One Quicksilver or QuicksilverOne card between now and April 30, 2016 will receive a 20% discount credited [...]


Advertiser Disclosure: NextAdvisor.com is a consumer information site that offers free, independent reviews and ratings of online services. We receive advertising revenue from most but not all of the companies whose products and services we review. For credit cards, we review cards from all of the top 10 US issuers by purchase volume (according to Issue 1035 of The Nilson Report, Feb 2014) excluding issuers that require additional accounts to be a cardholder and private label issuers. We may also review cards from other issuers in select cases. We do not review all products in a given category. We are independently owned and operated and all opinions expressed on this site are our own.