The Best Credit Cards for Those With Fair or Average Credit

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You don’t have to have a perfect credit score to get a credit card, there are certainly options for those with less than stellar scores, or scored in the “fair range.” Here are a few examples of credit cards that we have found that offer customers the option for credit while their scores are still in the “fair” range.

Barclaycard Rewards MasterCard

This card is targeted toward those with fair to average credit scores. With no annual fees and plenty of great perks—including cash back rewards—this card is certainly a front runner when it comes to a middle range credit card. You can earn one point per dollar spent, with two points earned for every dollar spent on gas, groceries and utilities. The points that you earn can be redeemed for flights, dining, hotels and more. Enjoy no cash back limits, and no blackout dates when you are ready to redeem your points.

Link to Apply : Barclaycard® Rewards MasterCard® – Average Credit

Capital One Quicksilver Cash Rewards Credit Card

This card offers a fantastic 1.5% cash back on all purchases, with no spending limit. When you figure in the fact that there is no annual fee, as well, this card can offer those with average credit a great deal. Accumulating a nice little cash back account is not going to be difficult at this rate! The Capital One Quicksilver Rewards Credit Card offers an introductory special of 0% APR on purchases and balance transfers until December 2014.

Discover It for Students

Students often need a special break when it comes to credit cards, and this is something Discover is recognizing. With the Discover It card, card holders pay no annual fee and can earn 1% cash back on every dollar spent, with bonus categories earning 5% per quarter on a rotating basis. There is no penalty for late payments, and you get your FICO score reported on every monthly statement. This is something that can be especially helpful to those trying to improve their credit scores.

Link to Apply: Discover it® for Students

Credit One Bank Credit Card 

Although this card has a somewhat higher annual fee that ranges from $35-99, it does offer some unique advantages that are not as commonly found on other credit card programs. You will earn 1% for every dollar spent on gas, which can certainly add up over the course of a few months, with gas prices so high! The APR for this card ranges from 17.9-23.9%, depending on your credit worthiness.

Which One is Best?

The Barclaycard Rewards MasterCard is clearly a front runner in this race, offering no annual fee and great rewards. When you factor in the savings of no fees and bonus rewards, the competition barely stands a chance. Each of the others listed certainly has advantages that should be considered, from higher cash back percentages to rotating bonus categories.

When it comes to choosing a credit card that is available to those with average or fair credit, the choices may be limited, but the benefits can still be extensive.

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