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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 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 FAQ.
Average Credit Credit Card Reviews & Prices
Updated 05-17-2012
| Name & Card | Purchase APR | Features | Annual Fee | Credit Needed
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Our Rating & Bottom Line | |
| Capital One® Cash Rewards - Average Credit |  | 0% until March 2013, then 17.9% - 22.9% (V) | 1% cash back on all purchases plus 50% annual cash back bonus (effectively 1.5% cash back on all purchases) | $39 | Average/ Limited | Our Rating: Smart pick for those with average credit; effective 1.5% cash back on all purchases; 0% intro APR on purchases |
| Capital One® Cash Rewards for Newcomers |  | 24.9% (V) | 2% cash back for travel purchases, 1% cash back for all other purchases; no balance transfer fee | None | Average/ Limited | Our Rating: Earn cash back rewards while helping to build your credit history with automatic 3-bureau reporting. |
| Capital One® Classic Platinum Credit Card |  | 0% until March 2013, then 17.9% - 22.9% (V) | Save money with a 0% intro APR on purchases and no balance transfer fee | $39 | Average / Limited | Our Rating: Lengthy 0% intro APR on purchases and no balance transfer fee, ability to personalize card with image |
| JourneySM Student Rewards from Capital One® |  | 19.8% variable APR | 1% cash back on all purchases | None | Average | Our Rating: Great choice for students, designed to help build good credit, cash back bonus for paying bill on time |
| Name & Card | Purchase APR | Features | Annual Fee | Credit Needed
Don't know your credit rating? Find out how to get your credit score for FREE with our top-reviewed credit monitoring services |
Our Rating & Bottom Line | |
| Capital One® Platinum Credit Card |  | 24.9% (V) | A good choice for those with average or limited credit | $0 first year; $19 thereafter | Average/ Limited | Our Rating: Good for those with average credit who are looking to rebuild their credit history, ability to personalize card with image |
| Capital One® SparkSM Classic for Business |  | 22.9% variable | Earn 1% cash back on all purchases | $39 | Average | Our Rating: Good choice for those with average credit who want to earn 1% cash back on all purchases |
Select Next Advisor Blog Posts
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What Is a Good Credit Card for a 21 Year Old Trying to Establish a Credit His...
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Will the Orchard Bank Credit Card Help Improve My Credit?
Q: Will the Orchard Bank credit card help improve my credit? A: Yes, the Orchard Bank credit card can help improve or rebuild your credit history but you'll have to do your part too. By reporting your credit card payment history to all 3 credit bureaus, Orchard Bank can help boost your credit. And it [...]
How Can Someone New to the U.S. Build Credit History?
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Do Capital One Venture card miles correlate to airline frequent flyer awards?
Q: If I use the Capital One Venture card, will my miles earned correlate to any airline frequent flyer rewards? As example, American Airlines charges 65,000 miles to fly to HKG. Would I be able to use 65,000 points from my Capital One card to achieve this exact same award? A: The concept is similar, but the [...]
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