10 Best Credit Cards for people with Average Credit in 2023
You don’t need to settle for a no-frills credit card with high fees if you have a fair or average credit rating. There are a variety of credit cards designed for those with fair or average credit, but no rewards programs, convenient perks, annual fees, or foreign transaction fees.
These cards are easy to qualify for but often have higher interest rates, which is fine if you pay your bills in full and on time. The goal is to improve your score through responsible financial behavior and raise your score to a good score.
Card issuers do not disclose their creditworthiness requirements, so the above ranges should only be used as a guide. If you need clarification on whether you qualify, you can check your odds by completing a pre-qualification form.
Credit cards for people with average credit
1. Petal 2 “Cashback, fee-free.”
The Visa credit card issued by WebBank is one of the few cards with no fees*. There are no annual fees, late fees, or foreign transaction fees.
The Petal 2 Visa credit card application process differs from most credit cards. Applicants may be asked to link a bank account, and WebBank will validate the data considering bill payments and receipts. This allows Petal to determine your eligibility as well as your credit history.
2. Mission Lane Cash Back Visa® Credit Card:
Great for building credits and earning bonuses. No deposit is required. It is also an instant authorization credit card. So you can quickly find out if you are eligible without affecting your creditworthiness. Get unlimited cashback rewards on every purchase. If you make your first six payments on time and in good standing, you’ll be eligible to receive a higher credit limit.
3. Capital One QuicksilverOne Cash Rewards credit card:
Earning unlimited cashback rewards while boosting your credit score makes this the best fair/average credit flat rate credit card choice.
All purchases consistently return 1.5 Shea without changing reward tiers or tracking expenses. Also, credit limit increases will be considered after the first six months of on-time payments if used responsibly.
4. Capital One Walmart Rewards® Mastercard®:
If you’re loyal to Walmart, this card will keep rewarding you with love. Earn % Plus, get $5.50 off your purchase at Walmart.com, including pickup and delivery.
In addition to the 2% at Walmart stores, you can use this rate on restaurants, travel purchases, Walmart, and Murphy USA gas stations.
5. Avant Credit Card
Preferably without foreign transaction fees, The Avant credit card has a limit of $300, and no deposit is required. The card allows future applicants to confirm that they have been pre-approved without impacting their balance. The application process is quick, with applicants typically receiving a decision in just 60 seconds.
This card may be suitable for lenders who want higher scores without paying cash for deposits. Travelers will love that there are no foreign transaction fees.
6. Upgrade Cash Rewards Visa®
Great for international editions As a Visa card, this product is ideal for international travel thanks to the wide acceptance of the Visa network. In addition, the card has the added feature of no foreign transaction fees, meaning you can make international purchases at no extra cost.
7. Indigo® Mastercard®
Ideal for reconstruction after bankruptcy: Calmness is very important in your finances. If you’re struggling to get a credit card after bankruptcy, Indigo Mastercard could be the solution. Not only can you welcome bankruptcies, but you can get prequalified to see your chances of getting approved without impacting your credit score.
The card also offers Mastercard benefits such as extended warranties and fraud protection. Also, since it is an unsecured card, there is no need to deposit money in advance.
8. The Capital One QuicksilverOne Cash Rewards Credit Card
Many of the best cashback cards require good or excellent credit, but some cards for people with fair/average credit also offer excellent cashback rates. For example, the Capital One QuicksilverOne Cash Rewards Credit Card offers consumers a competitive $1.55 back on all purchases with no limit on the amount of cashback a consumer can earn. Also, cashback can be redeemed for any amount except $25, which is a typical minimum amount set by some other cards.
9. Capital One Platinum Credit Card
If you often travel, choosing a card that provides travel benefits that can save you money and protect you against unexpected issues is a good idea. Different travel advantages are provided by the Capital One Platinum Credit Card, but the lack of international transaction fees stands out.
Additionally, this card provides complimentary 24-hour travel help, roadside assistance, collision damage waiver for rental cars, and travel accident insurance. However, third-party service fees apply for roadside assistance. These benefits are a great way to take the stress out of travel and cover issues.
This card does not offer a rewards program, so there is no opportunity to earn cash back, points, or miles for daily spending. However, with no annual fee, it could be a good starter card if you want to upgrade to another card in the Capital One family eventually.
10. Deserve® EDU Mastercard
For Students is one of the most recommended cards for college students looking to build credit, earn rewards and take advantage of money-saving perks. The card has no annual fee.
This card is also suitable for international students as it does not require a social security number. Also, no credit history is required. You must be 18 years of age or older, enrolled in college, and have a US bank account.
Deserve does not charge international allocation fees. This is useful if you study abroad or travel outside the United States during school holidays.
FAQ’s
Is it easy to get a card with fair credit?
Many of the best credit cards require good or excellent credit, but there are credit cards that are more likely to qualify someone with fair or average credit.
Types of cards you can get with fair credit?
Credit cards designed for users with a Fair or Average credit rating may have higher interest rates but can offer reward programs, convenient perks, annual fees, and foreign transaction fees.
What is the best credit card for instant approval and fair credit?
Most credit card issuers allow instant approval or rejection decisions. If you get approval later, you can call your bank to see if they have any missing information and give you a convincing explanation as to why you need approval.
10 Best Credit Cards for people with Average Credit in 2023
You don’t need to settle for a no-frills credit card with high fees if you have a fair or average credit rating. There are a variety of credit cards designed for those with fair or average credit, but no rewards programs, convenient perks, annual fees, or foreign transaction fees.
These cards are easy to qualify for but often have higher interest rates, which is fine if you pay your bills in full and on time. The goal is to improve your score through responsible financial behavior and raise your score to a good score.
Card issuers do not disclose their creditworthiness requirements, so the above ranges should only be used as a guide. If you need clarification on whether you qualify, you can check your odds by completing a pre-qualification form.
Credit cards for people with average credit
1. Petal 2 “Cashback, fee-free.”
The Visa credit card issued by WebBank is one of the few cards with no fees*. There are no annual fees, late fees, or foreign transaction fees.
The Petal 2 Visa credit card application process differs from most credit cards. Applicants may be asked to link a bank account, and WebBank will validate the data considering bill payments and receipts. This allows Petal to determine your eligibility as well as your credit history.
2. Mission Lane Cash Back Visa® Credit Card:
Great for building credits and earning bonuses. No deposit is required. It is also an instant authorization credit card. So you can quickly find out if you are eligible without affecting your creditworthiness. Get unlimited cashback rewards on every purchase. If you make your first six payments on time and in good standing, you’ll be eligible to receive a higher credit limit.
3. Capital One QuicksilverOne Cash Rewards credit card:
Earning unlimited cashback rewards while boosting your credit score makes this the best fair/average credit flat rate credit card choice.
All purchases consistently return 1.5 Shea without changing reward tiers or tracking expenses. Also, credit limit increases will be considered after the first six months of on-time payments if used responsibly.
4. Capital One Walmart Rewards® Mastercard®:
If you’re loyal to Walmart, this card will keep rewarding you with love. Earn % Plus, get $5.50 off your purchase at Walmart.com, including pickup and delivery.
In addition to the 2% at Walmart stores, you can use this rate on restaurants, travel purchases, Walmart, and Murphy USA gas stations.
5. Avant Credit Card
Preferably without foreign transaction fees, The Avant credit card has a limit of $300, and no deposit is required. The card allows future applicants to confirm that they have been pre-approved without impacting their balance. The application process is quick, with applicants typically receiving a decision in just 60 seconds.
This card may be suitable for lenders who want higher scores without paying cash for deposits. Travelers will love that there are no foreign transaction fees.
6. Upgrade Cash Rewards Visa®
Great for international editions As a Visa card, this product is ideal for international travel thanks to the wide acceptance of the Visa network. In addition, the card has the added feature of no foreign transaction fees, meaning you can make international purchases at no extra cost.
7. Indigo® Mastercard®
Ideal for reconstruction after bankruptcy: Calmness is very important in your finances. If you’re struggling to get a credit card after bankruptcy, Indigo Mastercard could be the solution. Not only can you welcome bankruptcies, but you can get prequalified to see your chances of getting approved without impacting your credit score.
The card also offers Mastercard benefits such as extended warranties and fraud protection. Also, since it is an unsecured card, there is no need to deposit money in advance.
8. The Capital One QuicksilverOne Cash Rewards Credit Card
Many of the best cashback cards require good or excellent credit, but some cards for people with fair/average credit also offer excellent cashback rates. For example, the Capital One QuicksilverOne Cash Rewards Credit Card offers consumers a competitive $1.55 back on all purchases with no limit on the amount of cashback a consumer can earn. Also, cashback can be redeemed for any amount except $25, which is a typical minimum amount set by some other cards.
9. Capital One Platinum Credit Card
If you often travel, choosing a card that provides travel benefits that can save you money and protect you against unexpected issues is a good idea. Different travel advantages are provided by the Capital One Platinum Credit Card, but the lack of international transaction fees stands out.
Additionally, this card provides complimentary 24-hour travel help, roadside assistance, collision damage waiver for rental cars, and travel accident insurance. However, third-party service fees apply for roadside assistance. These benefits are a great way to take the stress out of travel and cover issues.
This card does not offer a rewards program, so there is no opportunity to earn cash back, points, or miles for daily spending. However, with no annual fee, it could be a good starter card if you want to upgrade to another card in the Capital One family eventually.
10. Deserve® EDU Mastercard
For Students is one of the most recommended cards for college students looking to build credit, earn rewards and take advantage of money-saving perks. The card has no annual fee.
This card is also suitable for international students as it does not require a social security number. Also, no credit history is required. You must be 18 years of age or older, enrolled in college, and have a US bank account.
Deserve does not charge international allocation fees. This is useful if you study abroad or travel outside the United States during school holidays.
FAQ’s
Is it easy to get a card with fair credit?
Many of the best credit cards require good or excellent credit, but there are credit cards that are more likely to qualify someone with fair or average credit.
Types of cards you can get with fair credit?
Credit cards designed for users with a Fair or Average credit rating may have higher interest rates but can offer reward programs, convenient perks, annual fees, and foreign transaction fees.
What is the best credit card for instant approval and fair credit?
Most credit card issuers allow instant approval or rejection decisions. If you get approval later, you can call your bank to see if they have any missing information and give you a convincing explanation as to why you need approval.
