The 5 Best Credit Cards for People With Fair/Average Credit

By Amy Lu. Last updated 5 December 2016. 1 comment

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It can be difficult to rebuild your credit after a financial setback — or just to develop a credit history from almost nothing. You can use a credit card to do it, but you may not qualify for one with great perks and terms if you don't have excellent credit. If you have a bad credit score, you might want to look into secured cards. However, if you have a fair/average score (around the 630-689 range) you can get a regular credit card — complete with cash back or rewards — that doesn't require such a high credit score to qualify.

Capital One® Platinum Credit Card

Like the Classic Platinum card mentioned above, Capital One® Platinum Credit Card allows you to manage your credit card the way you want to, with 24/7 account access by phone, mobile app, or online. You also get to choose the due date that works for you, in the method that you prefer: check, online, or in person at a local branch. Plus, you can get a higher credit line after you make your first 5 monthly payments on time. The variable APR is 24.99% and there is no annual fee.

Click here to learn more and apply for the Capital One® Platinum Credit Card today!

USAA Classic American Express®

Although there are no rewards, the USAA Classic American Express® card offers military benefits such as a 4% APR during deployment as well as a rebate for finance charges accrued during a qualified military campaign. Cardholders also receive American Express’ cardmember benefits like extended warranty. There is a $35 annual fee.

Click here to learn more and apply for USAA Classic American Express® Card today!

Even if you're in the fair/average range, you still have access to credit cards that offer decent cash back or rewards and reasonable terms. Just make sure to use them responsibly, and you'll be able to qualify for cards with even better terms and rewards in no time! (See also: How to Improve Your Credit Score)

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The American Express Everyday Cash card is also a great one (with no fee!).

Jay