2017 RANKING & REVIEWS
CREDIT CARDS FOR PEOPLE WITH AVERAGE CREDIT OR GOOD CREDIT
Finding the Best Credit Card Offers for Good Credit and Average Credit
Credit cards come in a variety of forms; however, those with less-than-perfect credit often think they will not qualify for a decent credit card. Realistically, there are several high limit credit cards for good credit, good credit cards for average credit, and even credit cards for bad credit.
No matter your credit score, you can usually still qualify for some type of credit card. However, if you have good or average credit, it is important to look for low interest credit cards for good credit and average credit, as well as other benefits, so you don’t get locked into cards that end up costing you more than their actual worth.
Award Emblem: Top 6 Best Credit Cards for Good & Average Credit
Credit cards for good credit scores typically require a 680 to 749 credit score. Top credit cards for good credit usually require a steady income and an established credit history in addition to the minimum credit score to qualify.
Credit cards for people with average credit usually require a credit score of 600 to 679 and can be difficult to get approved for without proper income and an established credit history.
However, we have put together a list of the 6 best credit cards for average credit and good credit to help you find the perfect credit card for you. These credit cards are specifically credit cards for good credit scores/average credit scores.
See Also: Top Best Prepaid Debit Cards | Ranking, Including Prepaid Debit Cards With No Fees
How Can You Get Good Credit Cards for Average Credit or Good Credit?
According to Money Under 30, it can actually hurt your chances of qualifying for good credit cards for average credit or good credit if you continuously apply for credit cards that are above your credit level.
To improve your chances of qualifying for the best credit cards for good credit/average credit, avoid applying to each offer that comes through the mail or your inbox. Instead, do your research to find out the minimum credit score needed before starting the application process.
The best credit cards for average credit and good credit usually require a steady income. When you do apply for low interest credit cards for good credit/average credit, you will want to ensure that you can prove the income amount you specify in your application.
It is also wise to stick to applying to just one card that fits your needs the best, like balance transfer cards for average credit, rather than several cards at once. Applying for several cards at a time can hurt your credit. Also, it is best to focus on using one card responsibly instead of running up several balances on credit cards for good credit or average credit.
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If possible, spend some time improving your credit score before applying for top credit cards for good credit/average credit. Continue to pay on your current obligations and ensure timely payments, and refrain from applying for anything that will ping your credit report.
If you want to consolidate current debt, consider researching balance transfer cards for average credit which can help improve your credit score over time by lowering the interest on the amounts you owe creditors.
AdvisoryHQ’s List of the Top 6 Best Credit Cards for Average Credit and Good Credit
List is sorted alphabetically (click any of the credit card names below to go directly to the detailed review section for that credit card):
- Amex EveryDay® Credit Card
- Chase Sapphire Preferred® Credit Card
- BankAmericard® Credit Card
- Citi Simplicity® Card
- Chase Slate® Credit Card
- PNC Points® Visa® Credit Card
Top 6 Best Credit Cards for Good Credit and Average Credit | Brief Comparison & Ranking
Credit Card Names | APR % (MIN) | APR % (MAX) | Annual Fee |
| Amex EveryDay® Credit Card | 13.24% | 23.24% | $0 |
| Chase Sapphire Preferred® Credit Card | 16.24% | 23.24% | $95 |
| BankAmericard® Credit Card | 11.25% | 21.24% | $0 |
| Citi Simplicity® Card | 13.24% | 23.24% | $0 |
| Chase Slate® Credit Card | 13.24% | 23.24% | $0 |
| PNC Points® Visa® Credit Card | 12.24% | 22.24% | $0 |
Table: Top 6 Best Credit Card Offers for Good Credit and Average Credit | Above list is sorted alphabetically
How Can I Use High Limit Credit Cards for Good Credit Responsibly?
Credit cards for good credit can sometimes give you high limits that are tempting to use. However, utilizing most – or all – of the credit limit on your high credit limit credit cards for good credit is bound to hurt your credit score, which also hurts your chances for being approved for the best credit cards for good credit later.
You can apply for credit card offers for good credit now, but make sure you use your low interest credit cards for good credit responsibly. Here are a few important things to remember:
- Use the card for small purchases. Just because you have one of the top credit cards for good credit does not mean you should use it all the time or for huge purchases. This can trap you in a debt spiral that is difficult to climb out of.
Instead, use your to make small purchases that you know you can pay off each month. This shows creditors you use your card only when you need it rather than for extravagant purchases you cannot afford.
- Pay off your balance monthly and on time. Your low interest credit cards for good credit will not do you much good if you consistently carry a balance. Interest adds up quickly. So, never spend more each month than you can afford to pay off at the end of the month. And, always pay on time to avoid extra late fees.
- Keep your balance less than 30% of your credit limit. Even though you qualify for high limit credit cards for good credit, it does not mean you should spend up to your limit. Having high limits on your credit cards for good credit is good because it gives you plenty of wiggle room for emergencies and leaves you more room to spend wisely.
You should aim for using no more than 30% of your credit limit at any given time. Credit card offers for good credit and other creditors will want to see a low debt-to-credit limit ratio before they consider lending to you.
- Consistently check your statements for possible fraud. Credit cards for good credit scores usually have excellent fraud protection programs. Still, it is your responsibility to check your statements frequently or at least once per month. Doing so will make you aware of any possible fraudulent activity on your account.
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What Kind of Terms Do Credit Cards for Average Credit Have?
If you have average credit in the 600 to 679 range, you may not qualify for the top credit card offers. However, there are cards specifically made for those with average credit that have good terms. You just need to take your time to find good credit cards for average credit.
Typically, the best credit cards for average credit have slightly higher interest rates than credit card offers for good credit. However, if you use your card responsibly for several months or years, your credit score will improve and may qualify you for better interest rates in the future.
Most credit cards for people with average credit start you off with a lower credit limit than credit cards for good credit scores. Therefore, it can be difficult to find balance transfer cards for average credit if you are looking to consolidate debt. However, some credit card companies will raise your credit limit after several consecutive months of wise spending and timely payments.
The best credit cards for average credit will not bombard you with extraneous fees that make it more difficult for you to pay off your balances. Some do have an annual fee, but look for unnecessary account maintenance fees or high cash advance and finance fees. Try to avoid these credit cards for people with average credit.
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AdvisoryHQ’s Selection Methodology
What methodology does AdvisoryHQ use in selecting and finalizing the credit cards, financial products, firms, services, and products that are ranked on its various top rated lists?
Please click here “AdvisoryHQ’s Ranking Methodologies” for a detailed review of AdvisoryHQ’s selection methodologies for ranking top rated credit cards, financial accounts, firms, products, and services.
Detailed Review – Top Ranking Best Credit Cards for Good Credit and Average Credit
Below, please find the detailed review of each credit card on our list of credit cards for good credit and average credit. We have highlighted some of the factors that allowed these credit cards for average credit/good credit to score so high in our selection ranking.
Related: Top Best Zero Interest Balance Transfer Credit Cards | Ranking | Interest Free Balance Transfer Cards
Amex EveryDay® Credit Card Review
Source: Amex EveryDay® Credit Card
If you are looking for the best credit cards for good credit, the Amex EveryDay® Credit Card is one of your best options. American Express credit card offers for good credit are often credit cards with competitive interest rates and rewards programs. The Amex EveryDay® Credit Card is one of the top credit cards for good credit in both of these areas.
As one of the best credit cards for good credit, the Amex EveryDay® Credit Card offers a 0% introductory APR for the first 12 months after approval. Afterwards, based on your credit history and score, your APR will be between 13.24% and 23.24%.
It is also one of the best credit card offers for good credit because of its low fees. There is no annual fee or maintenance fee, and balance transfer and cash advance fees can be as low as $5 per transaction.
Amex EveryDay® Credit Card Reward System Overview
Where this card really stands out as one of the best credit cards for good credit is with its reward system. The Amex EveryDay® Credit Card offers a comprehensive program to reward those with good credit who use its cards frequently and responsibly.
- 15,000 points if you spend $1,000 or more in the first 3 months
- Earn 2x points at US supermarkets
- Earn 1x points on all other purchases
- Use points for travel expenses
- Roadside assistance
- Car rental loss and damage insurance
- Entertainment discounts
- Extended warranties on purchases
- Return and purchase protection
If you want credit cards for people with average credit, you may be able to qualify for this card if you are on the higher end of the average credit score rating.
Chase Sapphire Preferred® Credit Card Review
Source: Chase Sapphire Preferred® Credit Card
The Chase Sapphire Preferred® Credit Card is one of the best credit cards for average credit if your score is close to the good range. It’s also one of the best credit card offers for good credit in terms of introductory rates and fees as well as its excellent rewards system.
The Chase Sapphire Preferred® Credit Card has no introductory APR, but your rate can be as low as 16.24% if your credit qualifies you. The interest rate on these credit cards for people with average credit may be closer to the maximum APR of 23.24%.
There is no annual fee on this card for the first 12 months. After that, you will be charged $95 per year, which may be worth it to you considering the rewards this card gives you.
Chase Sapphire Preferred® Credit Card Rewards
TheChase Sapphire Preferred® Credit Card offers the following rewards, making it one of the best credit cards for average credit and good credit members:
- 50,000 bonus points after spending at least $4,000 in the first 3 months
- 5,000 bonus points after adding an authorized user in the first 3 months
- 2x points on travel and dining
- 1x points on other purchases
- Travel and purchase coverages
- Each point = $1
Kiplinger’s Personal Finance named the Chase Sapphire Preferred® Credit Card the Best Credit Card for Flexible Travel Redemption.
BankAmericard® Credit Card Review
Source: BankAmericard® Credit Card
The BankAmericard® Credit Card qualifies as one of the best credit cards for average credit, offering one of the lowest interest rates on credit cards for people with average credit. The competitive interest rate ranges from 11.24% to 21.34%, and new customers qualify for 0% APR for 18 months after their account opening.
The BankAmericard® Credit Card can also be one of the best balance transfer cards for average credit with a balance transfer fee of only 3%, or $10 – whichever is greater. Additionally, it has no annual fee or maintenance fees, and its cash advance fee can be as low as 14.24%.
BankAmericard® Credit Card Security Benefits
The BankAmericard® Credit Card also has numerous security benefits that qualify it as one of the best credit cards for average credit.
- $0 liability guarantee for fraudulent transactions
- ShopSafe service generates a one-time credit card number for safe online transactions
- Chip technology for enhanced security
- Account alerts for fraudulent activity and other important account information
The BankAmericard® Credit Card is also one of the best credit card offers for good credit, as your higher credit score can qualify you for the lowest interest rate.
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Citi Simplicity® Card Review
Source: Citi Simplicity® Card
The Citi Simplicity® Card is one of the best credit cards for good credit, but be advised that you may need to be on the higher end of the good credit range to qualify for it.
Like most of the best credit cards for average credit and good credit, the Citi Simplicity® Card offers a competitive interest rate for those with higher credit scores, ranging from a minimum of 13.24% to a maximum of 23.24%.
It also has one of the best credit card offers for good credit, with a 0% introductory APR for 21 months, where other credit cards for good credit or average credit tend to offer an introductory period of 18 months or less.
Additional Benefits of the Citi Simplicity® Card
How does the Citi Simplicity® Card stand out against other best credit cards for good credit and average credit? Here are some of the perks you can look forward to as a card member:
- No annual fees or maintenance fees
- Citi Price Rewind comparison-shops for the best prices of products your purchase and refunds you the difference when it finds a better price
- Citi Identity Theft Solutions help you resolve issues with fraud and further protects your account
- $0 liability on unauthorized charges of your best credit cards for average credit and good credit
- Travel & Emergency Assistance programs
The Citi Simplicity® Card is an excellent choice as a credit card for people with average credit/good credit due to its flexibility, the ability to choose your own pay date, and its 24/7 customer service availability.
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Chase Slate® Credit Card Review
Source: Chase Slate® Credit Card
Chase Slate® Credit Card qualifies as a choice for good credit cards for average credit or good credit, although you may be approved easier with good credit. The Chase Slate® Credit Card offers a 0% introductory APR for 15 months and a variable APR of 13.24%–23.24% thereafter.
This is also one of the best balance transfer credit cards for average credit/good credit because it offers no balance transfer fee for the first 60 days of account opening. After that, your balance transfer fee will be 5% of the transferred amount, with a $5 minimum.
Additional Benefits of the Chase Slate® Credit Card
The Chase Slate® Credit Card offers additional benefits to cardholders that make it one of our picks for best credit cards for good credit and average credit.
- Get your monthly FICO score for free so you can stay on top of your credit usage
- No annual or maintenance fees
- Paying late will not give you a raised penalty APR
- Chip technology for better security
- Fraud protection and alerts
CardRatings named the Chase Slate® Credit Card as the best balance transfer card for four years, making it one of the best credit cards for average credit and good credit cardholders who want to consolidate debt.
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PNC Points® Visa® Credit Card Review
Source: PNC Points® Visa® Credit Card
The PNC Points® Visa® Credit Card is one of the best credit cards for people with average credit and good credit, not only because of its low fees and interest rate but also due to its incredible rewards system.
The PNC Points® Visa® Credit Card offers a 0% introductory APR for the first 12 billing cycles upon opening your account. After that, your variable APR will be between 12.24% and 22.24%, which is competitive among even the best credit cards for good credit and average credit.
Additionally, it is one of the best credit card offers for good credit and average credit, with electronic bill payment, low balance transfer fees, and no annual fees or maintenance fees.
PNC Points® Visa® Credit Card Reward System
Not all credit cards for people with average credit or good credit offer excellent rewards programs, but the PNC Points® Visa® Credit Card is one of the best credit card offers for good credit/average credit in terms of its rewards. Here are a few of its reward program features:
- Earn 4 points per $1 plus plenty of bonuses available
- A variety of rewards, from travel expenses to gift cards
- Bonus point redemption when you have other PNC products
- No limit to the number of points you can earn
The PNC Points® Visa® Credit Card is one of the best credit cards for average credit and good credit if you are searching for the best cashback offers and rewards for your purchases.
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Conclusion – Top 6 Credit Cards for People with Average Credit and Good Credit
If you have less-than-perfect credit, you are still able to qualify for some of the best credit cards for good credit as well as the best credit cards for average credit. If you use your credit card for people with average credit/good credit wisely, you will be able to raise your credit score and qualify for even better offers later.
The best credit cards for good credit and average credit are those with little to no fees, beneficial rewards programs, fraud protection, and low interest rates compared to others. Some high limit credit cards for good credit are also available, and these can help you improve your credit score if you use the card wisely.
Consider the AdvisoryHQ choices for low interest credit cards for good credit/average credit, as these have competitive rates for those with lower-than-excellent credit scores and can keep you paying less each month. The best credit cards for people with average credit and good credit will help you get on track with your finances and raise your score over time.
AdvisoryHQ (AHQ) Disclaimer: Reasonable efforts have been made by AdvisoryHQ to present accurate information, however all info is presented without warranty. Review AdvisoryHQ’s Terms for details. Also review each firm’s site for the most updated data, rates and info. Note: Firms and products, including the one(s) reviewed above, may be AdvisoryHQ's affiliates. Click to view AdvisoryHQ's advertiser disclosures.
