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.

Surge Mastercard®
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 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
NetSpend® Visa® Prepaid Card
Click the Compare link to compare the checked cards side-by-side at the comparison table.
Card Type Guaranteed Approval Credit Check Instant Response
Prepaid Yes! No No
  • Get paychecks or government benefits checks up to 2 days faster* with Direct Deposit.
  • Sign up for NetSpend Payback Rewards and earn cash back.
  • No late fees or credit card debt because this is not a credit card.
  • Use the Mobile App to manage your account on the go and get real time text message alerts (Message & data rates may apply).
  • Funds availability not guaranteed. Card used is subject to activation and ID verification. Terms and Costs Apply.
  • *Card issued by MetaBank┬«, Member FDIC. "Apply Now" for full details.
Consumer Rating: 5 / 5
Milestone Gold MasterCard®
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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*
  • 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.
Consumer Rating: 4 / 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*.
  • No Over Limit Fee*.
  • Instant Response (Delays may occur depending on application data provided).
  • Apply for Fingerhut Credit today*. Fill out our easy online application.
  • Low Monthly Payments*.
  • Choose From Over 450,000 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.
Consumer Rating: 4 / 5
Payoff
Checking Account Required Employment Required Maximum Loan Amount Minimum Loan Amount
Yes No $35,000 $5,000
  • Consolidate over $5,000 in credit card debt.
  • Increase FICO┬« score and get score updates.
  • A personal touch to getting out of debt.
Consumer Rating: 5 / 5
Milestone® MasterCard® with Free Choice of Card Image
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 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
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!

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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.