Credit Card Offers for Average Credit Scores

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 staying within your credit limits. Here, we´ve found below is the list of the best 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

Best for Fair Credit
0% Intro APR on Purchases
Get 2% Cash Back
Intro APR on Bal. Transf. n/a
Intro APR on Purchases n/a
Regular APR 24.9% (V)
Annual Fee $0 intro for first year; $19 after that
No Annual Fee for the First Year
  • $0 intro annual fee for the first year; $19 after that.
  • Image Card - personalize your card with an image of your choice.
  • $0 Fraud Liability if your card is lost or stolen.
or (866) 554-0808
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
Setup Fee
Apply
n/a 24.9% (V) $0 See terms
or (866) 554-0808
Consumer Rating: 5 / 5
  • A card designed to help those new to the U.S. establish credit and earn cash back.
  • Build credit with automatic reporting to the three major credit bureaus.
  • Get 2% cash back on travel purchases.
0%
(Until
November
2012)
17.9% -
22.9% (V)
$39 See terms
or (866) 554-0808
Consumer Rating: 5 / 5
  • 0% intro APR on all purchases until November 2012.
  • $0 Fraud Liability if your card is lost or stolen.
  • Enjoy Platinum benefits, including 24-hour roadside assistance and extended warranty protection.
0%
(Until
November
2012)
17.9% -
22.9% (V)
$39 See terms
or (866) 554-0808
Consumer Rating: 5 / 5
  • 2% cash back on gas and groceries.
  • 1% cash back on all other purchases.
  • BONUS: Get up to 15% more cash back when you shop online at select merchants through Perk Central.
n/a 7.99% -
19.99%
$0 - $5938 $0 - $39
Consumer Rating: 5 / 5
  • An excellent credit card for help rebuilding credit reports to 3 major credit bureaus monthly!
  • Acceptance at millions of locations worldwide, including website purchases and reservations.
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way.
See terms 10.9% -
24.9% (V)
See terms See terms
Consumer Rating: 5 / 5
  • Get the credit you need with no processing fees or application fees.
  • $0 Fraud Liability if your card is lost or stolen.
  • Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own.
n/a 7.99% -
19.99%
$0 - $5938 $0 - $39
Consumer Rating: 4 / 5
  • Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit.
  • Acceptance at millions of locations worldwide, including website purchases and reservations.
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way.
N/A See website* See website* See website*
Consumer Rating: 5 / 5
  • Checking Account Required.
  • If approved, pay your Processing Fee to open your account and access your $300 credit limit.
  • Reports to the major Consumer Reporting Agencies.

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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 staying within your credit limits.
  • 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.
  • Apply for a prepaid card. The easiest way to build up credit and reap the benefits of a credit card is to apply for a prepaid card. These cards require no credit rating and can be used just like a regular credit card for online purchases and bill payments.

  • The best part is that you do not have to worry about late fees or exceeding your credit limit. But before you opt for a prepaid card be sure to confirm that your credit will in fact be reported using this card because some cards do not count toward building your credit.
  • 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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* See the online credit card application for details about terms and conditions. Reasonable efforts are made to maintain accurate information. However, all credit card information is presented without warranty. When you click on the "Apply" button, you can review the credit card terms & conditions on the credit card issuer´s website.
38 $0 - $59 for the first year; $35 - $59 per year thereafter, based on creditworthiness.

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