Credit Card Offers for Average Credit Scores

advertiser disclosure
BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.

Have you made mistakes in the past and damaged your credit somewhat, but still need the convenience of a credit card? Well, we've recently found some great credit card offers for people with a fair credit history. Whatever the purpose for the credit card you choose, keep in mind - you can get a facelift for your credit history by making timely bill payments and keeping account balances low relative to the credit limit with all creditors. Here, we've found below is the list of the card offers from leading banks that specialize in issuing credit cards to customers with less than perfect credit history. Scroll down to find the card that meets your needs.

Surge Mastercard®
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
N/A N/A See Terms* See Terms*
  • All credit types welcome to apply!
  • Monthly reporting to the three major credit bureaus.
  • Initial Credit Limit of $500.00!* (subject to available credit).
  • Fast and easy application process; results in seconds.
  • Use your card at locations everywhere that Mastercard® is accepted.
  • Free online account access 24/7.
  • Checking Account Required.
Consumer Rating: 4 / 5
Credit One Bank® Unsecured Visa® - No Deposit Required
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
N/A N/A 16.99% - 24.99% Variable $0 - $99
  • This unsecured card requires no deposit and can help build your credit
  • Receive opportunities for credit line increases, a fee may apply
  • See if you Pre-Qualify in less than 60 seconds
  • Receive 1% cash back on eligible purchases, terms apply
  • Choose your monthly payment due date for added convenience, terms apply
  • Monitor your credit with free online access to your credit score
Consumer Rating: 5 / 5
Credit One Bank® Platinum Credit Card with Rewards
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
N/A N/A 16.99% - 24.99% Variable $0 - $99
  • Find out if you Pre-Qualify without affecting your credit score
  • This unsecured card provides opportunities to raise your credit score
  • Receive opportunities for credit line increases, a fee may apply
  • Monitor your credit with free online access to your credit score
  • 1% cash back on eligible purchases, terms apply
  • Zero fraud liability protects you from unauthorized charges
  • Email or text alerts to remind you when your payment is due
Consumer Rating: 5 / 5
Milestone® MasterCard® with Free Choice of Card Image
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
N/A N/A 23.9% $35 - $99*
  • Applying is quick and easy with our fast decision process
  • Less than perfect credit is okay
  • 24/7 access to your account information, even on mobile
  • Card designs to fit your personality at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
  • *Dependent on credit worthiness
Consumer Rating: 4 / 5
WebBank/Fingerhut Credit Account
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
n/a n/a See Terms $0
  • No Annual Fee. See WebBank/Fingerhut Credit Account Terms.
  • No Over Limit Fee. See WebBank/Fingerhut Credit Account Terms.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for a WebBank/Fingerhut Credit Account today. Fill out our easy online application.
  • Low Monthly Payments if you apply and are accepted for a Fingerhut Credit Account issued by WebBank, who determines eligibility and qualifications for the terms of the credit.
  • Choose From Over 450,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Get the Credit You Deserve.
  • We just love saying "YES!"
Consumer Rating: 4 / 5
Credit One Bank® Unsecured Visa® Credit Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
N/A N/A 16.99% - 24.99% Variable $0 - $99
  • Interested in growing or rebuilding your credit? We report monthly payment activity to all three major credit bureaus to help keep your credit score up-to-date. You’ll also receive free online access to your credit score and credit report summary from Experian.
  • See if you're Pre-Qualified in less than 60 seconds.
  • This is a fully functional, unsecured credit card - not a debit, prepaid, or secured card. No need to load funds or tie up cash in deposits. There are no out-of-pocket costs to open your account.
  • Automatically get 1% cash back on eligible purchases, terms apply.
  • Choose your monthly payment due date for added convenience, terms apply.
Consumer Rating: 4 / 5
First Access Visa
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
N/A N/A See Terms* See Terms*
  • Get the security and convenience of a full-feature, unsecured VISA® Credit Card - accepted at millions of merchant and ATM locations nationwide and online
  • Reporting monthly to all three major credit reporting agencies
  • Perfect credit not required for approval; we may approve you when others won’t
  • You may be eligible for a Credit Line Increase after six months
  • Easy and secure online application
  • If approved, pay a Processing Fee and you can access the $300 credit limit (subject to available credit)
  • Receive your card more quickly with optional Expedited Processing (additional fee applies)
  • Get a result in as little as 60 seconds upon completion of the online application
  • Online Customer Center available 24 x 7
  • Issued by Mid America Bank & Trust Company, Member: FDIC
Consumer Rating: 4 / 5
Total Visa Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
N/A N/A See Terms* See Terms*
  • Checking Account Required
  • Fast and easy application process; response provided in seconds
  • A genuine VISA card accepted by merchants nationwide across the USA and online
  • Manageable monthly payments
  • If approved, simply pay a Processing Fee to open your account and access your available credit
  • Reports monthly to all three major credit bureaus
  • Select your favorite card design from our gallery, for free!
  • No-Fee credit line increase opportunities!
Consumer Rating: 4 / 5
Horizon Gold Credit Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
n/a n/a 0.00% See Terms
  • Must have Active Debit Card or Credit Card to qualify.
  • $500 Credit Limit.
  • No Credit Check.
  • No Employment Check.
  • Reports to a Major Credit Bureau.
  • Fast Online Application.
  • Bad Credit accepted.
Consumer Rating: 4 / 5
Credit One Bank® Platinum Visa® for Building Credit
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Bal. Transf. Intro APR on Purchases Regular APR Annual Fee
N/A N/A 16.99% - 24.99% Variable $0 - $99
  • 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.
Consumer Rating: 4 / 5
Get Your CARD MATCH
Check if you're pre-qualified for credit cards
  • It takes less than 1 minute
  • Will Not Affect Your Credit Score
Please, select your credit score
Please, select your bankruptcy status
Please, select your state
Select the state of your residence
Check off your current active bank accounts. Don't check anything if you haven't active accounts.
This service finds the credit cards which suit your situation best. However, only card issuers decide whether you'll be approved or not for a credit card.

Fair Credit Card Offers

People with fair credit may experience difficulty getting approved for credit cards with top of the line rates. On the other hand, a fair credit card holder should not be subject to the same harsh terms and high fees as someone with bad credit. Get out of the grey area and use these tips to reestablish your credit rating and enjoy the convenience of swiping plastic!
  • Rebuild your credit. There are in fact great credit card options for people with less than perfect credit history. These cards can help you rebuild your credit history by making timely bill payments and keeping account balances low relative to the credit limit.
  • Get a co-signer. A co-signer will increase your chances of approval because it gives you further financial backing. The point is to compensate for your deficient credit score, so find someone with a stable job and good credit history.
  • Be realistic about your expectations. It is possible that your application may be denied or that you will pay a higher interest rate than an applicant with a high credit score.
  • Reap the benefits. Even with fair credit, cardholders can enjoy incentives like cash back offers, 0% introductory APR, low or no annual fees, low balance transfer fees, and built-in features to help card holders establish good credit like cash back on purchases when monthly bills are paid on time.

So do not let your less than stellar credit history dissuade you from applying for a credit card. Apply today to start rebuilding your score and enjoying the rewards!

Other Card Guides More Guides »

March 24, 2017

When the weather starts to warm up and the snow starts to melt, most people are ready to throw open their windows and tackle the dust and grime that have built up over the winter months. Likewise, ...

February 27, 2016

Do you know the signs of a toxic relationship? You feel out of control, just not yourself anymore. The air is thick with jealousy and lies, criticism and contempt. You might feel fearful much of the ...

Have a question about cards?

Ask our credit card experts and you'll receive the answers by e-mail.

Copyright © 2001-2017 BestCreditOffers.com All Rights Reserved.

* The BestCreditOffers.com webpage is a free service and an information resource for credit cards and financial products and services available to eligible United States consumers. BestCreditOffers.com does not offer any warranties and is not a direct service. There are no guarantees for approval or offers when applying for a credit card. Please refer to the application if you would like more information on each credit card. When you click "Apply" for a particular credit card, please take the time to review the terms and conditions of the product/service at the issuer's website. All logos on the BestCreditOffers.com website are property of their respective owners.

Disclaimer: This editorial content is not provided or commissioned by the credit card issuer. Opinions expressed here are the author's alone, not those of the credit card issuer, and have not been reviewed, approved or otherwise endorsed by the credit card issuer. Reasonable efforts are made to present accurate info, however all info is presented without warranty. Consult a card's issuing bank for terms & conditions.

BestCreditOffers.com makes every effort to keep information up to date and accurate. However, the information regularly changes and is presented without warranty. Therefore, we strongly recommend all our readers to visit the credit card application page by clicking "Apply Online!" button to review the detailed credit card's terms and conditions. Note that BestCreditOffers.com may be compensated by the credit card issuers when the readers apply for a credit card through this site.

BestCreditOffers.com is an independent, advertising-supported website which receives compensation from the credit card issuers and companies whose offers appear on the site. Compensation may impact how and where products appear on our site, including, for example, the order in which they may appear on the site pages. BestCreditOffers.com does not review or list all available financial or credit offers.

Disclosure: Not an access card.