Best Recommended Cards for Fair/Average Credit

Capital One Platinum Credit Card

Our rating:4.0

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Recommended credit

580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Intro offer: No current offer

Annual fee: $0

Regular APR: 29.74% variable

Recommended credit: 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.0

Rating methodology

Cost of Membership: 3.8
Ease of Building Credit: 4.0
APR: 1.0
Features: 2.5

Highlights

No annual or hidden fees. See if you're approved in seconds
Be automatically considered for a higher credit line in as little as 6 months
Help build your credit through responsible use of a card like this
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Get access to your account 24 hours a day, 7 days a week with online banking from your desktop or smartphone, with Capital One's mobile app
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set
Pay by check, online or at a local branch, all with no fee - and pick the monthly due date that works best for you

Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 29.74% (Variable)
Intro Balance Transfers APR: N/A

Capital One QuicksilverOne Cash Rewards Credit Card

Our rating:3.9

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Recommended credit

580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

5%: Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
1.5%: Earn unlimited 1.5% cash back on every purchase, every day

Intro offer: No current offer

Annual fee: $39

Regular APR: 29.74% variable

Recommended credit: 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:3.9

Rating methodology

Cost of Membership: 5.0
Ease of Building Credit: 3.0
APR: 2.0
Features: 5.0

Highlights

Earn unlimited 1.5% cash back on every purchase, every day
No rotating categories or limits to how much you can earn, and cash back doesn't expire for the life of the account. It's that simple
Be automatically considered for a higher credit line in as little as 6 months
Enjoy peace of mind with $0 Fraud Liability so that you won't be responsible for unauthorized charges
Help strengthen your credit for the future with responsible card use
Earn unlimited 5% cash back on hotels and rental cars booked through Capital One Travel, where you'll get Capital One's best prices on thousands of trip options. Terms apply
Monitor your credit score with CreditWise from Capital One. It's free for everyone
Check out quickly and securely with a contactless card, without touching a terminal or handing your card to a cashier. Just hover your card over a contactless reader, wait for the confirmation, and you're all set

Rates & Fees

Annual Fee: $39
Intro Purchase APR: N/A
Regular APR: 29.74% (Variable)
Intro Balance Transfers APR: N/A

Upgrade Elite Cash Rewards Visa®

Our rating:4.3

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Recommended credit

670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

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Rewards rate

2.2%: 2.2% unlimited cash back on every purchase

Intro offer: $200 $200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*

Annual fee: $0

Regular APR: 14.99% - 29.99%

Recommended credit: 670-850 (Good to Excellent) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:4.3

Rating methodology

Rewards value: 4.0
APR: 2.0
Rewards Flexibility: 2.7
Features: 2.0

Highlights

$200 bonus after opening a Rewards Checking Plus account and making 3 debit card transactions*
2.2% unlimited cash back on every purchase
Pay no interest when you pay your full balance early**
See if you qualify in seconds with no impact to your credit score
No annual fee
Combine the flexibility of a card with the predictability of a loan
Enjoy Visa Signature benefits, like Roadside Dispatch, Price Protection, Extended Warranty Protection and more
Up to 10% cash back from your favorite brands with Upgrade Shopping
Contactless payments with Apple Pay® and Google Wallet™
Mobile app to access your account anytime, anywhere
Use your card anywhere Visa is accepted
Relax knowing that you are protected in case of unauthorized transactions with Visa’s Zero Liability Policy
State Exclusions: DC, GA, IA, MA, WV, WI
Welcome Bonus: *To qualify for the welcome bonus, you must open and fund a new Rewards Checking Plus account through Upgrade and make 3 qualifying debit card transactions from your Rewards Checking Plus account within 60 days of the date the Rewards Checking Plus account is opened. If you have previously opened a checking account through Upgrade or do not open a Rewards Checking Plus account as part of this application process, you are not eligible for this welcome bonus offer. Your Upgrade Card and Rewards Checking Plus account must be open and in good standing to receive a bonus. To qualify, debit card transactions must have settled and exclude ATM transactions. Please refer to the applicable Upgrade Visa® Debit Card Agreement and Disclosures for more information.
Welcome Bonus (continued): Welcome bonus offers cannot be combined, substituted, or applied retroactively. The bonus will be applied to your Rewards Checking Plus account as a one-time payout credit within 60 days after meeting the conditions. This one-time bonus is available through this Upgrade Card offer and may not be available for other Upgrade Card offers.
**By paying oﬀ your statement balance in full by the EarlyPay payment date, which is two calendar days after your statement closing date, you will avoid daily interest on any new transactions until the following EarlyPay payment date. Refer to your Personal Credit Line Agreement for EarlyPay terms and information. If the balance is not paid in full by the EarlyPay payment date, daily interest will begin to accrue after the Early Pay payment date for past and new transactions. To maintain good standing on your account, you must make at least the required monthly payment by the monthly payment due date, which is 22 calendar days after the statement closing date. You may pay down your full balance at any time to stop further interest charges.
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Rates & Fees

Annual Fee: $0
Intro Purchase APR: N/A
Regular APR: 14.99% - 29.99%
Intro Balance Transfers APR: N/A

Credit One Bank® Platinum Visa®

Our rating:2.7

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Rewards rate

1%: Receive 1% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.

Intro offer: No current offer

Annual fee: $39

Regular APR: 29.49%* Variable

Recommended credit: 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:2.7

Rating methodology

Cost of Membership: 3.4
Ease of Building Credit: 3.2
APR: 1.2
Features: 0.0

Highlights

Receive 1% cash back rewards on eligible gas and grocery purchases as well as mobile phone, internet, cable and satellite TV services. Terms apply.
Enjoy peace of mind with $0 Fraud Liability.
Free Online Credit Score and Credit Report summary, terms apply
Make paying your bill easier with the ability to choose your payment due date, terms apply.
Access your account on-the-go with the Credit One Bank mobile app.
Never miss an account update with customizable text and email alerts.

Rates & Fees

Annual Fee: $39
Intro Purchase APR: N/A
Regular APR: 29.49%* Variable
Intro Balance Transfers APR: N/A

Avant Credit Card

Our rating:2.8

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Intro offer: No current offer

Annual fee: $59

Regular APR: 35.99%

Recommended credit: 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:2.8

Rating methodology

Cost of Membership: 3.0
Ease of Building Credit: 4.5
APR: 2.0
Features: 2.5

Highlights

No deposit required
Reports to all three major credit bureaus
No penalty APR
No hidden fees
Late Fee up to $39
Returned Payment Fee: Up to $25
We may periodically review your account for credit line increases
Fast and easy application process
Help strengthen your credit history with responsible use
Zero fraud liability for unauthorized charges
Conveniently pay your card through our online portal, 24/7
Get Mastercard® ID Theft Protection by Mastercard
Disclosure: If you are charged interest, the charge will be no less than $1.00. Cash Advance Fee 3%, Min: $10
Checking your eligibility does not affect your credit score
Avant branded credit products are issued by WebBank, member FDIC
See the Provider's terms for more information

Rates & Fees

Annual Fee: $59
Intro Purchase APR: N/A
Regular APR: 35.99%
Intro Balance Transfers APR: N/A

Milestone® Mastercard® - $1,000 Credit Limit

Our rating:1.7

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Intro offer: No current offer

Annual fee: $250 the first year; $99 thereafter

Regular APR: 35.90%

Recommended credit: 580-740 (Fair to Good) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:1.7

Rating methodology

Cost of Membership: 1.0
Ease of Building Credit: 2.9
APR: 2.4
Features: 1.0

Highlights

Guaranteed $1,000 credit limit if approved.
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Don't Have Perfect Credit? No Problem!
Join over a million consumers who are working on building their access to credit.
Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
Get the credit you deserve, even with less-than-perfect history.
No security deposit, and a path to better credit.

Rates & Fees

Annual Fee: $250 the first year; $99 thereafter
Intro Purchase APR: N/A
Regular APR: 35.90%
Intro Balance Transfers APR: See Terms

Destiny® Mastercard® with Instant Credit

Our rating:2.1

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Rewards rate

Card without rewards: This card doesn't offer cash back, miles, or points

Intro offer: No current offer

Annual fee: $175 the first year; $49 thereafter

Regular APR: 35.90%

Recommended credit: (See Terms) CreditCards.com credit ranges are a variation of FICO® Score 8, one of many types of credit scores lenders may use when considering your credit card application.

Overall rating

Our rating:2.1

Rating methodology

Cost of Membership:: 1.0
Ease of Building Credit:: 4.0
APR:: 1.0
Features:: 1.3

Highlights

A guaranteed $700 credit limit to help get your financial goals on track, if approved.
Apply Today, Buy Today! If approved, get your Card Number instantly so you can start shopping today! See Terms.
Apply with Confidence! There is no impact to your credit score if you’re not approved. See terms.
Trusted by more than a million customers with reporting to all three major credit bureaus, so you get credit for all of your hard work.
No security deposit, just instant purchasing power. See Terms.
Zero Fraud Liability - Peace of mind that comes with having a Mastercard.
Get the credit you deserve, even with less-than-perfect history.

Rates & Fees

Annual Fee: $175 the first year; $49 thereafter
Intro Purchase APR: See Terms
Regular APR: 35.90%
Intro Balance Transfers APR: See Terms

Capital One Platinum Credit Card

Rewards rate

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Capital One QuicksilverOne Cash Rewards Credit Card

Rewards rate

At A Glance

Upgrade Elite Cash Rewards Visa®

Rewards rate

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Credit One Bank® Platinum Visa®

Rewards rate

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Avant Credit Card

Rewards rate

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Milestone® Mastercard® - $1,000 Credit Limit

Rewards rate

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Destiny® Mastercard® with Instant Credit

Rewards rate

At A Glance