Video Review of the Chase Walt Disney Rewards Visa Credit Card

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
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®).

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.