Top Credit Offers for Average Credit 2018

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: April 2018

5
Card Overall Rating
Fair Credit
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.15% - 25.24% Variable
Annual Fee
$0 - $99
  • Find the card that’s right for you without affecting your credit score.
  • Show off your personality by selecting from a variety of card designs, a fee may apply.
  • Get 1% cash back rewards on eligible purchases including gas, groceries, and services such as mobile phone, internet, cable and satellite TV, terms apply.

Compare Offers for Average Credit Score

4
Card Overall Rating
Bad Credit
  • 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!"
Intro APR on Purchases
n/a
Intro APR on Balance Transfers
n/a
Ongoing APR
See Terms
Annual Fee
$0
4
Card Overall Rating
Fair / Good Credit
  • 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
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
23.9%
Annual Fee
$35 - $99*
4
Card Overall Rating
Fair Credit
  • See if you Pre-Qualify without harming your credit score
  • This unsecured card requires no deposit and can help build your credit
  • Track your progress with free online access to your Experian credit score, terms apply
  • Build your credit history—we report to the credit bureaus monthly
  • Looking for more credit? Get credit line increase opportunities, a fee may apply
  • Enjoy the flexibility to choose your payment due date, terms apply
  • Receive 1% cash back rewards on eligible purchases, terms apply
  • No need to fret—you’re covered by $0 Fraud Liability
Intro APR on Purchases
N/A
Intro APR on Balance Transfers
N/A
Ongoing APR
19.15% - 25.24% Variable
Annual Fee
$0 - $99

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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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.

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...
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