The Best Credit Card for People With Fair/Average Credit

By Amy Lu. Last updated 4 January 2023. 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.

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)

Reflex® Platinum Mastercard®

The Reflex® Platinum Mastercard® allows you to pre-qualify for a Mastercard with a $300-$1,000 credit line without affecting your credit score. There is a $75 annual fee for the first year, then $99 thereafter. Since this is an unsecured credit card, you won't need to pay a security deposit to start building your credit score. 

Click here to learn more and apply for Reflex® Platinum Mastercard® today!

Upgrade Cash Rewards Visa®

The Upgrade Cash Rewards Visa® has no fees and offers credit lines from $500 to $25,000. This card also helps you save money by allowing you to set payoffs to bring your balance down faster. One of the benefits of this card is a much lower cost than traditional credit cards.

Click here to learn more and apply for the Upgrade Cash Rewards Visa® today!

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Guest's picture

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