Editor's ChoiceCategories Issuers Free Credit ScoreBlog

Credit Cards for Fair and Average Credit

Best Credit Cards For Fair Credit

The credit cards on this page are for folks who have credit scores between the range of 650 and 700. This range is considered the average score range that most people have. At this range, you should be aiming for a no annual fee card with perhaps some rewards. Not all cards in this range come with no annual fee and some have no rewards. You will also find some store and gas cards here because they do approved folks with credit in this range. Below are some highly rated credit cards for those with fair credit. Every card listed here is unsecured.

  1. Barclaycard Rewards MasterCard®
  2. NASCAR® Credit Card from Credit One Bank®
  3. Capital One QuickSilver One
  4. Capital One Platinum
  5. USAA Classic
  6. Indigo® Platinum MasterCard®
Card Annual Fee Rewards Type Comments

Ollo Platinum MasterCard®
Consumer Reviews
$0 N.A. MasterCard We like this card because:
  • No FX or late fees
  • Free FICO Score

Ollo Rewards MasterCard®
$39 2% cash back on gas stations, grocery stores and drugstores
1% on everything else
MasterCard We like this card because:
  • Cash Back program
  • No FX or late fees
  • Free FICO Score

Barclaycard Rewards MasterCard®
$0 2X gas, utilities and eligible grocery1X other purchases MasterCard We like this card because:
  • Reward Programs
  • Free FICO Score

NASCAR® Credit Card from Credit One Bank®
$0 to $99 2X at nascar.com MasterCard We like this card because:
  • Reward Programs

Capital One Quicksilverone
$39 1.5% cash back on all purchases MasterCard Nice cash back feature but comes with annual fee.

Capital One Platinum
$0 N.A. MasterCard No annual fee but no rewards.

USAA Classic
$35 N.A. Visa Has annual fee and no rewards.

Review
$0 to $99 1% Back on gasoline Visa Suitable for with bad to fair credit.

Indigo® Platinum MasterCard®
$0 to $99 N.A. MasterCard Different annual fees for different credit levels

Chase Slate
$0 N.A. Visa Best balance transfer deal around. 0% for 15 months with no balance transfer fee

American Express Green Card
$95 1X on all purchases Charge Card According to consumers, this is one of the easier Amex card to get

Walmart Credit Card
$0 3% at Walmart.com
2% on gas at Walmart or Murphys
1% for other non-Walmart purchases.
Store Card Suitable for those who shop at Walmart

Macy's Credit Card
$0 For Preferred Accounts: 3X Star Mailings
For Elite Accounts: 6X Star Mailings
Surprise savings at register
Special Offers
For Elite Accounts: Special Birthday offers
Store Card Suitable for those who shop at Macy's.

Shell Drive For Five
$0 5 cents savings per gallon at Shell Stations Store Card Suitable for those who fill up at Shell.
$0 3% Cash Back On Dining, Select Entertainment, Online at Marvel.com and Marvel’s Official Merchandise Booths
1% Back on gasoline
MasterCard Suitable for 650 score area.
$0 2X At Dillard's (in-store, online, catalog or phone)
At U.S. gas stations and U.S. grocery stores
1X everywhere else
American Express Suitable for 650 score area.
$0 3X At Gas Stations and Restaurants
2X at Paypal and Ebay
1X everywhere else
MasterCard Suitable for 650 score area.

 

How To Choose A Credit Card When Your Credit Is Average?

If you look at the cards on this page that have a record of approving folks with average or fair credit, you will find that they come in different shapes and sizes. For example, there are those with no annual fees and some with annual fee. Some have rewards while others do not. Some are simply store cards.

The type of card you should consider depends on how to you got to having average credit.

From No Credit To Average Credit - If you are new to credit, got a secured credit card and simply paid your bills on time (and preferably in full), you will find that your scores will quickly jump to the mid 600s within a few months. After having a credit history for 6 months to a year, you have a very good chance of getting a no annual fee card with rewards (like the Barclaycard Rewards MasterCard®).

From Bad Credit To Fair Credit - If you have had bad credit and have rebuilt it up to the mid 600s, the type of card that you will be approved of depends on whether you have any derogatory items on your credit report. If you still have collections that have not dropped off, you may not be immediately approved for a no annual fee card. You might even have to settle for a store card.

But if your credit report is clean, then you have a much better shot at no annual fee cards with rewards.
 

 


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