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 credit cards for average credit below to find the right card for your needs.

Updated 02-15-2019

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.
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 our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews 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® Cash Back
0% for 14 months, then 14.24% - 25.24% 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 14-month 0% intro APR on purchases & balance transfers; Matches your cash back at end of 1st year
NHL® Discover it®
0% for 14 months, then 14.24% - 25.24% Variable5% cash back on purchases within select categories up to the quarterly maximum (signup required); 1% on all other purchases$0Excellent, Good, Average Double your cash back at end of 1st year; 14-month 0% intro APR on purchases & balance transfers.
Discover it® Balance Transfer
0% for first 6 months, then 14.24% - 25.24% Variable5% cash back on purchases within select categories up to the quarterly maximum (signup required); unlimited 1% on all other purchases$0Excellent, Good, Average 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 14.24% - 25.24% Variable2% cash back on up to $1,000 quarterly in combined purchases at gas stations and restaurants; 1% on all other purchases$0Excellent, Good, Average 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.
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 our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews 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
26.96% (Variable)Unlimited 1.5% cash back on all purchases$39Average, Fair, Limited Smart pick for those with average credit; 1.5% cash back on all purchases
Discover it® Miles
0% for first 14 months, then 14.24% - 25.24% VariableYour Miles are matched at end of first year, 1.5 Miles per $1 spent on all purchases$0Excellent, Good, Average Great overall travel rewards card; Your Miles are matched at end of first year
Journey® Student Rewards from Capital One®
26.96% (Variable)1% cash back on all purchases$0Average, Fair, Limited Great choice for students, designed to help build good credit, cash back bonus for paying bill on time
Capital One® Platinum Credit Card
26.96% (Variable)A good choice for those with average or limited credit$0Average, Fair, Limited 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.
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 our initial evaluation, we continue to monitor the credit cards and update our reviews as situations change. The reviews 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 Good for those with fair to average credit, comes with Mastercard benefits
Capital One® Spark® Classic for Business
25.24% (Variable)Earn 1% cash back on all purchases$0Average, Fair, Limited 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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