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 08-13-2018
Credit Cards for Average Credit Comparison Chart
| Name & Card | Purchase APR | Features | Annual Fee | Credit 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.
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|---|---|---|---|---|---|---|
| Discover it® Cash Back | ||||||
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0% for 14 months, then 13.74% - 24.74% Variable | Matches 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 | $0 | Excellent, Good, Average |
Our Rating:
14-month 0% intro APR on purchases & balance transfers; Matches your cash back at end of 1st year  | |
| NHL® Discover it® | ||||||
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0% for 14 months, then 13.74% - 24.74% Variable | 5% cash back on purchases within select categories up to the quarterly maximum (signup required); 1% on all other purchases | $0 | Excellent, Good, Average |
Our Rating:
Double your cash back at end of 1st year; 14-month 0% intro APR on purchases & balance transfers. | |
| Discover it® Balance Transfer | ||||||
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0% for first 6 months, then 13.74% - 24.74% Variable | 5% cash back on purchases within select categories up to the quarterly maximum (signup required); unlimited 1% on all other purchases | $0 | Excellent, 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 | ||||||
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0% for 14 months, then 13.74% - 24.74% Variable | 2% cash back on up to $1,000 quarterly in combined purchases at gas stations and restaurants; 1% on all other purchases | $0 | Excellent, 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 & Card | Purchase APR | Features | Annual Fee | Credit 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.
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| Capital One® QuicksilverOne® Cash Rewards Credit Card | ||||||
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24.99% (Variable) | Unlimited 1.5% cash back on all purchases | $39 | Average, Fair, Limited |
Our Rating:
Smart pick for those with average credit; 1.5% cash back on all purchases | |
| Discover it® Miles | ||||||
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0% for first 14 months, then 13.74% - 24.74% Variable | Your Miles are matched at end of first year, 1.5 Miles per $1 spent on all purchases | $0 | Excellent, Good, Average |
Our Rating:
Great overall travel rewards card; Your Miles are matched at end of first year | |
| Journey® Student Rewards from Capital One® | ||||||
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24.99% (Variable) | 1% cash back on all purchases | $0 | Average, 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 | ||||||
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24.99% (Variable) | A good choice for those with average or limited credit | $0 | Average, Fair, Limited |
Our Rating:
Good for those with average credit who are looking to rebuild their credit history  | |
| Name & Card | Purchase APR | Features | Annual Fee | Credit 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.
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| Milestone® Mastercard® with Free Choice of Card Image | ||||||
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23.9% | A good choice for those with average or limited credit | $35 - $99 annual fee | Fair / Good |
Our Rating:
Good for those with fair to average credit, comes with Mastercard benefits | |
| Capital One® Spark® Classic for Business | ||||||
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24.74% (Variable) | Earn 1% cash back on all purchases | $0 | Average, 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.
*See credit card application page for additional details.
