Updated January 24, 2018 – Every credit card company has its own definition of what is a “fair” or “average” credit score, so it is difficult to peg those terms’ exact meaning. However, FICO reported that the average credit score is 700 (as of April of 2017), so that is our standard for this page.
The cards below should approve you with an average credit score. There is no guarantee, but, based on our knowledge of the industry, we use this loose formula to make an educated guess: if a card has an interest rate range that starts above 15% and goes beyond 20%, then we assume fair credit customers are being approved, though on the higher interest end of the range.
Using that as our basis, below is a list of credit cards that we feel fair credit customers should qualify for. If you find we are wrong, please contact us: [email protected]
- Credit One Bank® Platinum Visa® for Rebuilding Credit – See if you Pre-Qualify without harming your credit score. Track your progress with free online access to your Experian credit score, terms apply. Looking to rebuild credit? We report to the major credit bureaus monthly. +++
- Capital One Platinum MasterCard – Capital One specifically says this card is for average credit customers, but their definition of “average” seems actually to be below average. If you don’t qualify for other cards here, this no-rewards card with a 24.99% interest rate may be your next option.
- Blue Sky from American Express – Earn 1 point per dollar charged to the card. Every 7500 points you collect gets you $100 in travel rewards when redeemed. Interest rate of 18.49% or 21.49% or 23.49% suggests that fair credit consumers are likely to be approved.
- Walmart MasterCard or Store Card – If you’re on the right side of “average,” you may qualify for the Walmart MasterCard, which gives you a 3% rebate on Walmart.com purchases, 2% on Murphy USA and Walmart gas, and 1% on everything else. If your credit is a bit lower, you might only qualify for the Walmart store card, with similar benefits but acceptance only at Walmart and Sam’s Club. Interest rate of 17.9% or 20.9% or 23.9%
- AARP Rewards Visa – Get 3% cash back at restaurants and gas stations, 1% rebate everywhere else. Interest rate range from 17.49% to 24.24% suggests may be OK for fair credit customers.
- Choice Privileges Visa – Rewards/loyalty card of the Choice Hotel chains (Comfort Inn, EconoLodge, more) is likely open to fair credit customers, given that it offers interest rates of either 16.49%, 21.24%, or 26.24%.
- Chase Freedom Unlimited – Get 1.5% cash back on all your purchases with this credit card that should be accepting fair credit customers, judging by its interest rate range of anywhere from 16.24% all the way up to 24.99%.
- BankAmericard Travel Rewards Visa – Earn 1.5 points per dollar charged to this card, and use your points toward travel purchases with the card. (Points are worth a penny each in paying for travel purchases, e.g., 10,000 points equals $100 in travel rewards.) The interest rate may be as low as 16.24% but could be as high as 24.24%; fair credit customers will probably be approved at the higher end of that range.
- Amazon.com Rewards Visa from Chase – This credit card’s not billed as being for fair credit, but it offers a 15.49% interest rate for even the best credit customers, and it approves cardholders at rates up to 23.49%, which should include many average credit score customers. Gives you Amazon reward points with each purchase.
In addition, you might find it even easier to get a credit card tied to a specific retail store than to get an all-purpose credit card like those above. See our Store Credit Cards section for a list of credit cards that are probably easy for fair credit consumers to get.
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