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Average Credit Credit Cards

Reviews and opinions of credit cards available to applicants with average to good credit histories.

Barclaycard® Rewards MasterCard® – Average Credit

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Editor’s Rating — Great For: Rewards for spending on gas and groceries

  • Earn 2,500 Bonus Points after your first purchase
  • 0% Introductory APR for 6 months on purchases and balance transfers
  • No annual fee
  • Earn 2 points per $1 on gas, grocery, and utility purchases
  • Earn 1 points per $1 everywhere else
  • Use the points you earn like cash to pay for almost any purchases you've made.
  • No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up.
  • Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score

Credit Needed: Fair

Average Approved Score: 665*

Lowest Approved Score: 614*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%6 Months 0%6 Months 24.99%* Variable $0

Capital One® Platinum Credit Card

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Editor’s Rating — Great For: Balance transfers and a low annual fee.

  • $0 intro annual fee for the first year; $19 after that
  • Image Card - personalize your card with an image of your choice
  • $0 Fraud Liability if your card is lost or stolen
  • Monitor your spending with text message alerts

Credit Needed: Fair

Average Approved Score: 603*

Lowest Approved Score: 551*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
N/AN/A N/AN/A 24.9%* Variable $0 intro for first year; $19 after that

Capital One® Classic Platinum Credit Card

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Editor’s Rating — Great For: Low introductory rates and customizable card design.

  • 0% intro APR on purchases until March 2014
  • $0 Fraud Liability if your card is lost or stolen
  • Enjoy MasterCard benefits, including 24-hour roadside assistance and extended warranty protection
  • Pick an image for your card - choose the one shown here, any of the hundreds in our collection, or add your own

Credit Needed: Fair

Average Approved Score: 613*

Lowest Approved Score: 554*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
0%until March 2014 N/AN/A 19.8%* Variable $39

Capital One® Cash Rewards for Newcomers

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Editor’s Rating — Great For: Establishing credit while earning cash back rewards.

  • A card designed to help those new to the U.S. establish credit and earn cash back
  • Build credit with responsible use--plus automatic reporting to the three major credit bureaus
  • Get 2% cash back on travel purchases
  • Earn 1% cash back on all other purchases
  • No foreign transaction fees
  • No annual fee

Credit Needed: Fair

Average Approved Score: 625*

Lowest Approved Score: 590*

Intro APR, Purchases Intro Term, Purchases Intro APR, Balance Transfers Intro Term, Balance Transfers Regular APR Annual Fee
N/AN/A N/AN/A 24.9%* Variable $0

VISA® Platinum from Credit One Bank®

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Editor’s Rating:

  • Get pre-qualified for a Visa Platinum card
  • Pick your payment due date to fit your schedule
  • Email or text alerts to remind you when your payment is due
  • Free online monthly credit score tracking included
  • Automatic reviews for credit line increase opportunities
  • Includes Travel Accident Insurance and Auto Collision Damage Waiver
  • Choose your card design from our premium gallery
Intro APR Intro Period Regular APR Annual Fee Credit Needed
N/A N/A 23.90% (V) $75* Fair

*See Card Terms & Conditions for Details. $75 annual fee the first year (Introductory period). $99 thereafter, billed monthly at $8.25.