Top Credit Offers for Average Credit 2024

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.

BEST OFFER FOR AVERAGE CREDIT: March 2024

Surge® Platinum Mastercard® Application
Compare now (15) »
4
Card Overall Rating
Bad, Fair, Good, Excellent Credit
Intro APR on Purchases
See website for Details*
Intro APR on Balance Transfers
See website for Details*
Ongoing APR
29.99% (Variable)
Annual Fee
$75 - $125, after that $99 - $125 annually
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply!
  • Monthly Credit Score – Sign up for electronic statements, and get your Vantage 3.0 Score Credit Score From Experian

This offer is not available in Colorado, Massachusetts, West Virginia, Wisconsin.

Compare Offers for Average Credit Score

4
Card Overall Rating
Fair/Poor/Bad/Limited Credit
  • Up to $1,000 credit limit doubles up to $2,000! (Simply make your first 6 monthly minimum payments on time)
  • See if you’re Pre-Qualified with no impact to your credit score
  • All credit types welcome to apply
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Initial Credit Limit of $300 – $1,000 (subject to available credit)
  • Monthly reporting to the three major credit bureaus
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Checking Account Required
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
29.99% (Variable)
Annual Fee
See Terms*

This offer is not available in New York and Wisconsin.

4
Card Overall Rating
Fair/Poor/Bad Credit
  • $400 credit limit doubles to $800! (Simply make your first 6 monthly minimum payments on time)
  • All credit types welcome to apply
  • Monthly reporting to the three major credit bureaus
  • Initial Credit Limit of $400.00 (Subject to available credit)
  • Fast and easy application process; results in seconds
  • Use your card at locations everywhere Mastercard® is accepted
  • Access to your Vantage 3.0 score from Experian (When you sign up for e-statements)
  • Checking Account Required

This offer is not available in New York and Wisconsin.

Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
See Terms*
Annual Fee
See Terms*

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.

GET YOUR OFFER MATCH
Check if you're pre-qualified for a credit offer
It takes less than
1 minute
Will not affect your
credit score
Select your credit score:
Have your ever declared Bankruptcy?
Which active bank accounts Do you have?
Debit Card
Credit Card
This tool finds credit offers that suit your situation best. However, only lenders and issuers decide whether you'll be approved or not for an offer.

Not Sure Which Card to Choose?

Ask Our Experts or Read Credit Card FAQs
In order to qualify for a card you need to have good to excellent credit history, so with fair credit you have low chances of approval. However, this is not a reason to feel down. There are plenty of credit cards suitable for average credit, and...
There is no universal credit card offer that is definitely the best one for someone with fair credit. The thing is we all have different financial situations and credit histories even though they are all tagged as “fair credit”....
To get an unsecured card you should show sufficient income and have a stable job. The banks should see that you can manage credit cards: make on time payments and stay within limits. The length of your credit history is important as well: little...
Have a Question About Credit Cards?

User Comments about Credit Cards for Average Credit