Credit Card Offers for Average Credit Scores

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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.

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.

Best Cards for Fair Credit

$0 Annual Fee
Instant Response
Earn 1% Cash Back
Capital One® Platinum Credit Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Intro APR on Bal. Transf. N/A
Intro APR on Purchases N/A
Regular APR 24.99% (Variable)
Annual Fee $0
Pay no annual fee
  • Pay no annual fee
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is lost or stolen
 
Consumer Rating: 5 / 5

Other Cards for Fair Credit

You can sort items by clicking on the table header

How to compare card offers 1. Check the most attractive cards in the tables below
2. Click the "Compare" link below any card
3. Compare checked cards, select the best one and apply online.
Card Name
Intro APR Purch.
(Intro Period)
APR %
Annual Fee
Balance Transfers Fee
Apply
Fingerhut Credit Account
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
n/a 25.15% $0 See Terms
Consumer Rating: 4 / 5
  • No Annual Fee*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • $25 Off $100 - Expires 5/2/2017. PROMO CODE: NC566
  • You could WIN $20,000 from Fingerhut.
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 500,000 items.
  • Shop Great Brands at Fingerhut.com.
  • Budget Friendly Payments* with Fingerhut Credit!
  • Get the Credit You Deserve*.
  • We just love saying "YES!"
  • *SEE Fingerhut.com Site for Terms & Conditions.
Credit One Bank® Unsecured Visa® Credit Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
N/A 15.90% - 24.40% Variable $0 - $99 N/A
Consumer Rating: 5 / 5
  • 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.
Milestone® MasterCard® with Free Choice of Card Image
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N/A 23.9% $35 - $99* N/A
Consumer Rating: 4 / 5
  • 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
Credit One Bank® Platinum Credit Card with Rewards
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
N/A 15.90% - 24.40% Variable $0 - $99 N/A
Consumer Rating: 5 / 5
  • 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
Sony® Card from Capital One®
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0% intro on purchases until October 2017 14.74% - 24.99% (Variable) $0 $0
Consumer Rating: 5 / 5
  • Earn 5,000 bonus points after your first purchase within 90 days of approval
  • 5 points per $1 spent on Sony® purchases at authorized retailers, with purchase confirmation
  • 3 points per $1 spent on movie theaters, movie rentals, music downloads and digital streaming and subscription services
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until October 2017, 14.74% - 24.99% variable APR after that
  • No annual fee
Credit One Bank® Platinum Visa® for Building Credit
Click the Compare link to compare the checked cards side-by-side at the comparison table.
N/A 15.90% - 24.40% Variable $0 - $99 N/A
Consumer Rating: 5 / 5
  • 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.
PlayStation® Card from Capital One®
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
0% intro on purchases until October 2017 14.74% - 24.99% (Variable) $0 $0
Consumer Rating: 5 / 5
  • Earn 5,000 bonus points after your first purchase within 90 days of approval
  • 10 points per $1 spent on all PlayStation® Store purchases
  • 3 points per $1 spent on PlayStation® and Sony® purchases at authorized retailers, with purchase confirmation
  • 3 points per $1 spent on fast food restaurants, movie theatres & your mobile phone bill
  • 1 point per $1 spent on all other purchases
  • Redeem for Sony products, movies, music & more
  • 0% intro APR on purchases until October 2017, 14.74% - 24.99% variable APR after that
  • No annual fee
Capital One® QuicksilverOne® Cash Rewards Credit Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
N/A 24.99% (Variable) $39 $0
Consumer Rating: 5 / 5
  • Earn unlimited 1.5% cash back on every purchase, every day
  • No rotating categories or sign ups needed to earn cash rewards; plus, cash back doesn’t expire and there’s no limit to how much you can earn
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Fraud coverage if your card is ever lost or stolen
  • Use online banking to access your account, even from your smartphone, with our mobile app
  • Help strengthen your credit for the future with responsible card use
Milestone Gold MasterCard®
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
N/A 23.9% $35 - $99* N/A
Consumer Rating: 4 / 5
  • Our application is quick and easy with instant pre-qualification available
  • All credit histories considered
  • Access your account online or from your mobile device 24/7
  • Choice of card image at no extra charge
  • Account history is reported to the three major credit bureaus in the U.S.
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.
N/A 15.90% - 24.40% Variable $0 - $99 N/A
Consumer Rating: 5 / 5
  • 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
Journey® Student Rewards from Capital One®
Check off the cards you want to compare. Then click the Compare link to go to the comparison table.
N/A 20.74% (Variable) $0 $0
Consumer Rating: 5 / 5
  • Earn 1% cash back on all your purchases. Pay on time to boost your cash back to a total of 1.25% for that month
  • There’s no limit to the amount of cash back you can earn, and rewards don't expire
  • Get access to a higher credit line after making your first 5 monthly payments on time
  • Pay no annual or foreign transaction fees
  • Fraud coverage if your card is lost or stolen
  • Pick the monthly due date that works best for you

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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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!

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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.