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: 29.99% 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.; Your approval oddsClicking “See your approval odds” will authorize us to run a soft credit pull, which we’ll need to estimate your approval odds. Approval Odds serve as a guide to help you find the right credit card and will never affect your credit score.

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: 29.99% (Variable)
Intro Balance Transfers APR: N/A

Fortiva® Mastercard® Credit Card

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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

3%: Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
1%: Earn a 1% Cash Back Reward on all other eligible purchases‡

Intro offer: No current offer

Annual fee: As low as $85

Regular APR: 29.99% - 36.00% 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.

Highlights

Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
Earn a 1% Cash Back Reward on all other eligible purchases‡
Up to $1,000 credit limit subject to credit approval*
Pre-qualify without affecting your credit score
No security deposit
Good anywhere Mastercard® is accepted
Free access to your credit score †
$0 fraud liability**

Rates & Fees

Annual Fee: As low as $85
Intro Purchase APR: N/A
Regular APR: 29.99% or 36% (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.

Apply now

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: 29.99% 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
Enjoy up to 6 months of complimentary Uber One membership statement credits through 11/14/2024
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: 29.99% (Variable)
Intro Balance Transfers APR: N/A

Upgrade Cash Rewards Elite Visa®

Our rating:4.3

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Rewards rate

2.2%: Earn 2.2% unlimited cash back on card purchases every time you make a payment

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*
Earn 1.5% unlimited cash back on card purchases every time you make a payment
Combine the flexibility of a credit card with the predictability of a personal loan
No annual fee
No touch payments with contactless technology built in
See if you qualify in minutes without hurting your credit score
Great for large purchases with predictable payments you can budget for
Mobile app to access your account anytime, anywhere
Enjoy peace of mind with $0 Fraud liability
Earn a $200 bonus after you open & fund a Rewards Checking Plus account & make 3 debit card transactions within 60 days. If you previously opened a checking account through Upgrade or do not do so as part of this process, you are not eligible. Payout made within 60 days of meeting the conditions.

Rates & Fees

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

Aspire® Cashback Reward Card

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Rewards rate

3%: Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
1%: Earn a 1% Cash Back Reward on all other eligible purchases‡

Intro offer: No current offer

Annual fee: As low as $85

Regular APR: 29.99% - 36.00% 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.

Highlights

Earn a 3% Cash Back Reward on Gas, Groceries and Utilities‡
Earn a 1% Cash Back Reward on all other eligible purchases‡
Up to $1,000 credit limit subject to credit approval*
Pre-qualify without affecting your credit score
No security deposit
Good anywhere Mastercard® is accepted
Free access to your credit score †
$0 fraud liability**

Rates & Fees

Annual Fee: As low as $85
Intro Purchase APR: N/A
Regular APR: 29.99% or 36% Variable
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: 29.74% 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: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.
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Rates & Fees

Annual Fee: $39
Intro Purchase APR: N/A
Regular APR: 29.74% 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% 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:2.8

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
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% Variable
Intro Balance Transfers APR: N/A

Milestone Mastercard® - $700 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: See terms*

Regular APR: See terms*

Recommended credit: 300-670 (Bad to Fair) 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

Greater access to credit than before - $700 credit limit
No security deposit required, even with less than perfect credit
Account history is reported to the three major credit bureaus in the U.S
Get a Mastercard accepted online, in store and in app
24/7 access to your account information, even on mobile
Applying is quick and easy with our fast decision process

Rates & Fees

Annual Fee: See terms*
Intro Purchase APR: N/A
Regular APR: See terms*
Intro Balance Transfers APR: N/A

Destiny Mastercard® - $700 Credit Limit

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: See terms*

Regular APR: See terms*

Recommended credit: 300-670 (Bad to Fair) 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

Greater access to credit than before - $700 credit limit
Unsecured credit card, no security deposit required
Worry-free Fraud Protection* if your card is lost or stolen
Nationwide acceptance – use anywhere Mastercard is accepted in app, in store, and online
Quick and easy application process with a typical decision in 60 seconds or less
24/7 access to your account, even on mobile!
Reports to all three major credit bureaus

Rates & Fees

Annual Fee: See terms*
Intro Purchase APR: N/A
Regular APR: See terms*
Intro Balance Transfers APR: N/A

Rewards rate

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