Credit cards for people with average credit

Credit Cards For People With Average Credit

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Is There a Credit Card Company That is Best Rated for Borrowers with Only Average Credit Scores

It is not surprising that there are many credit card companies offering credit cards for people with average credit score range in between 650 – 699. The following are a few credit card companies that issue cards for people with average and fair credit score.

Barclay bank is one the financial institutions that issue credit cards for people with an average credit score level. The Barclaycard Arrival World MasterCard is a great travel rewards card for people with fair credit. It rewards the card holder with a 2.1% rewards rate for the travel and dining categories and 1.05% rewards rate for other categories. You get to earn a sign up bonus of 20,000 miles equivalent to $200 if you spend at least $1,000 within 90 days. Barclaycard Arrival World MasterCard does not charge any foreign transaction fee.

Another card issued by Barclay for fair credit is the Barclay Rewards Mastercard that allows you to earn 2x points on gas and grocery but the points won’t be counted if you shop at Target and Walmart. You also get to earn 1x points for other types of purchases. The points rewards program has no expiry date and you don’t have to pay annual fee on this card.

Capital One offers several credit cards for people with fair credit including Capital One Platinum and Capital One Quicksilver One card. Capital One Platinum card gives you the opportunity to access a higher credit line if you promptly make payment for the credit card bill on time. Capital One Quicksilver One Card offers 1.5% cash back on unlimited purchases without imposing any restriction on rotating categories. The card offers 0% APR introductory period that will last until February 2017.

Celtic Bank has issued the Indigo Platinum card with the cooperation of Genesis Bankcard Services. Indigo Platinum card accepts applicants with low credit score and those who have filed for bankruptcy before.

Credit One Bank offers two cards including Credit One Rewards credit card and Credit One Platinum Visa credit card for people with average credit score. The two credit cards are fully unsecured cards that can help you to build your credit score. It offers 1% cash back on the categories of gas and grocery. It monitor your repayment activity and automatically check to see if you qualify for higher credit line.

Discover Bank issues the Discover It for Students, which is a student credit card for students with a credit score range of bettween 600 – 700. The card offers 5% cash back for the first $1,5000 you spend. This card offers $20 cash back for students who achieve a GPA 3.0 level for the next 5 years. You earn double cash back by the end of the year.

Chase Freedom is for people with a credit score in the upper range of 600 – 700. It offers 5% cash back for a minimum purchases of $1,500 on rotating bonus categories that change every year. Chase Slate offers 0% introductory period for 15 billing cycles. Chase Slate does not charge you any balance transfer fee if you transfer your balance in 60 days.


Instant Approval Credit Cards For Average / Fair Credit

Below we offer a list of instant approval credit cards you should be able to qualify for with average credit / fair credit. Every card issuer has its own standard for what is considered an average or fair credit history, so we are making some assumptions based on what we know of the issuer as well as on our reading of the card’s terms & conditions, especially its interest rates.

  • Credit cards for people with average creditFingerhut – “Apply Today, Buy Today.” On the Fingerhut site you’ll see language that suggests wide acceptance, so average/fair credit customers should have no problems: “When you use your WebBank/Fingerhut Credit Account, and you make your payments on time, you build your credit with us, and we report your good payment history to the credit bureaus.”
  • Credit cards for people with average creditCapital One Platinum MasterCard – Capital One lists this card as being “for people with average credit,” and their definition of average credit is pretty lenient. No-frills card with an interest rate of 24.99% APR. Capital One says they “will attempt to provide a decision in 60 seconds or less. However, in some cases we need to collect additional information to make a decision.”

  • Credit cards for people with average creditAmazon.com Store Card – This is the Amazon credit card issued by Synchrony Bank and only accepted at Amazon.com. (It’s NOT the Amazon Visa issued by Chase). Offers special financing on large purchases but the everyday interest rate is a rather high 26.49%, so fair credit should be OK. From the application: “If you are approved, we will instantly add the card to your Amazon.com account.”
  • Credit cards for people with average creditBelk Credit Card – This department store credit card has a high 24.49% interest rate, which indicates it is open to average credit customers. And since it tells you that you’ll save 20% on your purchases when you open a card and make a purchase today, you know instant approval is a priority.
  • Credit cards for people with average creditBest Buy Credit Card – Electronics and appliance superstore offers a number of Visa and store-only cards you can get approved for instantly, at a 25.99% interest rate that suggests average/fair credit customers should get approved. Offers a rewards program and/or special financing on your purchases.
  • Credit cards for people with average creditGap Credit Cards – With its 25.49% interest rate and an “Apply Now and Save Today” message (you’ll get 15% off your first online order with the card), it’s fair to say that average credit should be good enough for approval. Accepted at the other Gap family stores, too — Old Navy, Banana Republic, and Athleta.
  • Credit cards for people with average creditJCPenney Credit Card – The 26.99% interest rate suggests that average / fair credit customers are often approved. Can be used immediately upon approval, with a 15% discount on the first day’s purchases.
  • Credit cards for people with average creditKohl’s Credit Card – This card’s 24.49% interest rate leads us to believe that customers with average credit / fair credit are likely to be approved.
  • Credit cards for people with average creditLowe’s Credit Card – The 26.99% interest rate on this card suggests it approves customers across the board, so your fair credit should be just fine. Offers 5% off of Lowe’s purchases. On large purchases over $299, you can choose 0% financing instead of the 5% discount.
  • Credit cards for people with average creditMacy’s Credit Card – An interest rate of 25.99% suggests that most are approved, including those with fair credit. Offers the possibility of instant credit approval and immediate use, with the chance to get 20% off card purchases today and tomorrow.
  • Credit cards for people with average creditSears Credit Card – This credit card’s 25.99% interest rate is an indication that it approves a variety of custiomers, including those with fair credit. And it offers instant approval — in fact, you’ll get $10 off your first card purchase when you’re approved and use the card today. Accepted at Sears and Kmart stores.
  • Credit cards for people with average creditShell Platinum MasterCard – Gas credit card should approve most fair credit customers, given its 24.74% interest rate. “Receive an immediate response” is the message you’ll notice on the card’s application page.
  • Credit cards for people with average creditTJX Rewards Credit Cards – “Open an account today” and you’ll earn rewards on TJ Maxx, Marshalls, HomeGoods, and Sierra Trading Post purchases. The 27.49% interest rate indicates that it approves most customers with fair credit. Note, however, that you could be approved for a TJX MasterCard (accepted anywhere MasterCard is accepted) or a TJX store card (accepted only at TJX stores).
  • Credit cards for people with average creditNewegg.com Credit Card – Online superstore offers 0% financing on larger purchases, but the everyday 29.99% interest rate suggests they’ll take on fair credit customers and probably bad credit customers as well. The application page tells you that you’ll “get a response in seconds”.
  • Credit cards for people with average creditTractor Supply Credit Card – “Apply today, buy today” is announced on this retailer’s credit card application. The card’s 26.49% interest rate is high enough that most fair credit customers can feel confident that they’ll be approved.
  • Credit cards for people with average creditZales Credit Card – “Own it today” That means you not only can expect instant approval but you can also expect to use your new credit right away. The card’s 29.49% interest rate tips you off to the fact that approval is likely with average / fair credit. Note that larger Zales purchases with the card may qualify you for a lower interest rate than the 29%+ mentioned here.

Fingerhut – “Apply Today, Buy Today” if you are instantly approved for the credit card from this famous catalog retailer. Fingerhut is “here to give you credit to help you buy what you need.”


Unsecured Credit Cards For Bad Credit or No Credit

Credit cards for people with average creditIf you have bad credit and want a credit card, it’s easy to get a secured credit card with an annual fee, but more difficult to be approved for an unsecured credit card with no fee. The list below features unsecured credit cards you might apply for even with bad credit. There is no guarantee of approval, but these are cards that either work with average to poor credit people, or have been rumored to give a second chance to those with bad credit.

  • Credit cards for people with average creditIndigo® MasterCard® for Less than Perfect Credit – Pre-qualify today without an impact on your credit score. Helping consumers with limited or damaged credit make a fresh start for over 12 years. Prior bankruptcy is OK. Account history is reported to the three major credit bureaus in the U.S. ++
  • Credit cards for people with average creditFingerhut Credit Card – Internet/catalog retailer with a long history of working with people who’ve had “credit challenges in the past.” Offers an unsecured credit card to let you finance items from its extensive catalog of clothing, electronics, home furnishings, more. ++

  • Credit cards for people with average creditCredit One Bank® Unsecured Visa® for Rebuilding Credit – See if you Pre-Qualify without harming your credit score. 1% cash back on eligible purchases, terms apply. No deposit requirements and opportunities to build your credit. ++
  • Capital One Platinum Credit Card – This card is marketed by Capital One for “average credit” customers, but Capital One uses criteria such as having defaulted on a loan in the last 5 years as still qualifying as average credit, which signals that they probably consider bad credit customers. It has no annual fee but a very big 24.99% interest rate.

Credit cards from retail stores are often easier to be approved for on an unsecured basis, but they also usually carry very high interest rates. For example:

  • Staples Credit Card – You can probably get approved for this card, which will let you stock up on office supplies at a sky-high 28.74% interest rate!
  • JCPenney Credit Card – May approve bad credit customers for an unsecured credit card, but the interest rate is an astounding 26.99%!
  • TJ Maxx Credit Card – Another unsecured credit card but with a 27.49% APR (annual percentage rate).
  • Macy’s Credit Card – May approve less-than-perfect credit customers, but notice the 25.99% interest rate.
  • American Eagle Credit Card – Unsecured store credit card has a 24.49% or 25.49% interest rate.
  • GAP Credit Card – Unsecured card that can also be used at Old Navy and Banana Republic and Athleta in addition to the GAP. Carries a 25.49% interest rate.
  • Chevron / Texaco Visa – Unsecured gas credit card has a 27.49% interest rate.

++ Indicates that this site receives compensation when you are approved for this card.

Credit One Bank® Platinum Visa® for Building Credit - See if you Pre-Qualify without harming your credit score. +This fully unsecured credit card with no deposit requirement can be helpful in growing or building credit. Your account activity will be reported monthly to all three major credit bureaus. +All the features you want in a credit card are included. Get 1% cash back on eligible purchases, take advantage of free online credit score tracking, and enjoy credit line increase opportunities. Terms apply.


high limit credit cards for average credit

Your average credit score should not prevent you from acquiring a high limit credit card. Many companies are willing to offer such cards for people with average scores.

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