Credit Cards for Fair and Average Credit

Our Take: At present, this card appears to be one of the easier cards to get from applicants from our site. This would be one of the few cards to consider if you are looking for an unsecured credit card.

Requirements: This card is appropriate for those in the middle of their rebuilding process because Indigo would like to see at least 2 to 5 trade lines on your credit report which you have been current for 6 months. Having bankruptcy on your report will not stop you from getting approved and they also do not look at income.

Requirements: Your credit score should be at least 550 and above.

Milestone is a good card for those in the middle of their rebuilding because they would like to see at least 2 open trade/credit lines in your report. You should have no late payments for at least 6 months. Having a previous discharged bankruptcy is Ok and they do not check your income.

Credit One credit cards are suitable for those with fair credit scores around the 650 area. They are one of the few cards that offer 1% cash back on purchases.

Requirements: Applicants who have really bad credit with 400 to low 500 scores have been known to be approved.

Our Take: The FIngerhut Credit Account is one of the most under-rated ways to help rebuild your credit. It has no fees, a wide range of products and reports to all three credit bureaus. There have a track record of limit increases and give you a FREE FICO score. Because it is an unsecured credit card, there is no need for a security deposit.

You can pay your Fingerhut bills with either check or money order so if you do not have any bank account, you can still pay via money order.

This is a no-frills card with no annual fee that will be suitable for those who are just on the cusp of being a prime customer and looking to get rid of their high fee credit cards

This is a good card for those who have rebuilt their credit to an average score and are on the cusp of being eligible for a prime card.

This card will appeal to those of you with average credit and are on the cusp on being a prime candidate. It has a modest annual fee and comes with a nice reward program.

Chase Slate is a good card if you want to do a balance transfer from another higher rate card. Though it is issued by Chase, those with average credit have been known to be approved. Best to have no recent inquiries on your report before you apply.

This is one of the easier cards to get in the Amex family and is a great starter card for those looking for an Amex. It is also a good card for those who used to have the Platinum or Gold card but no longer travel and yet want to keep their Membership Rewards Points.

This is one of the easier credit cards from Amex to get and is a good way to get in door with Amex. Suitable for Delta flyers who do not intend or cannot get elite status.