Top Credit Offers for Average Credit

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Whether you’ve improved your bad credit to average credit or have made some mistakes and your perfect credit lowered to average credit, you still can find credit cards with low interest rates, rewards, and low fees. Here is a list of the card offers from leading banks that specialize in issuing credit cards to customers with less than perfect credit history. Feel free to scroll down and find cards that meet your needs.

Credit One Bank® Unsecured Visa® - No Deposit Required
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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
WebBank/Fingerhut Credit Account
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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
Milestone® MasterCard® with Free Choice of Card Image
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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
Credit One Bank® Unsecured Visa® Credit Card
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
  • 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
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
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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.

Average Credit Card Offers

Average credit is what we sometimes call fair credit. People with average credit have more credit card opportunities but still may experience difficulties getting approved for new credit cards. As a person with average credit, you should not be subject to the same harsh terms and high fees as someone with bad credit. Below you can find tips that will help you to continue improving your credit rating and enjoy the convenience of plastics.

Build your credit responsibly. 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.

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. Average credit card interest rates are not the ones of the lowest but you can still find good offers.

Reap the benefits. Even when your credit is average, you can enjoy such benefits like cash back, 0% introductory APR, low or no annual fee, low balance transfer fee, and built-in features, like credit score trackers, that help card holders establish good credit.

Do not let your average credit history dissuade you from applying for a new credit card. Apply today to start rebuilding your score and enjoying rewards.
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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.