NextAdvisor's

Best Credit Cards for Average Credit

Do your credit scores sit somewhere between good and bad? If so, you're in luck because we've reviewed a number of credit cards for average credit. Since these cards are developed for those with average credit or a limited credit history, you can rest easy knowing that they're great options for your credit rating. But just because they're for those with average credit, doesn't mean these cards offer less-than-impressive rewards. In fact, our reviewed credit cards offer most of the same perks you'd get with a card for those with excellent credit, including 0% intro APRs on purchases and balance transfers, cash back rewards and no annual fees. Use our list of the best credit cards for average credit that we've reviewed to find the right card for your needs.

Updated 10-19-2017

Credit Cards for Average Credit 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 14 months, then 11.99% - 23.99% VariableMatches your cash back at end of 1st year; 5% cash back on purchases within select categories up to the quarterly maximum (signup required); 1% on all other purchases$0Excellent, Good, Average
Our Rating:
Matches your cash back at end of 1st year; 14-month 0% intro APR on purchases & balance transfers.
NHL® Discover it® Card
0% for 14 months, then 11.99% - 23.99% Variable5% cash back on purchases within select categories up to the quarterly maximum (signup required); 1% on all other purchases$0Excellent, Good, Average
Our Rating:
Double your cash back at end of 1st year; 14-month 0% intro APR on purchases & balance transfers.
Discover it® - 18 Month Balance Transfer Offer
0% for first 6 months, then 11.99% - 23.99% Variable5% cash back on purchases within select categories up to the quarterly maximum (signup required); unlimited 1% on all other purchases$0Excellent, Good, Average
Our Rating:
Combines an 18-month 0% intro APR on balance transfers with cash back rewards; Double your cash back at end of 1st year
Discover it® chrome
0% for 14 months, then 11.99% - 23.99% Variable2% 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; 14-month 0% intro APR on purchases & 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.
Capital One® QuicksilverOne® Cash Rewards Credit Card
24.99% (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
Discover it® Miles
0% for first 14 months,
then 11.99% - 23.99% 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
Journey® Student Rewards from Capital One®
24.99% (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
23.99% (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.


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