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Average Credit Credit Cards

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

Citi Simplicity® Card

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Editor’s Pick: If You Carry a Balance — The Citi Simplicity® Card is an ideal choice for cardholders who carry a balance. There is an attractive 0% intro APR for 21 months and there are no late fees and no penalty rates.

  • 0% Intro APR on Balance Transfers and Purchases for 18 months. After that, the variable APR will be 12.99% – 21.99% based on your creditworthiness.
  • Peace of mind through direct access to a service representative, no late fees and no penalty rate
  • No annual fee*
FICO Req’d
Intro
Regular APR
Fee

Good
0%/18 Mos.
12.99% – 21.99% V
None

Read a full review of this card

Orchard Bank® Classic MasterCard®

Editor’s Pick: Fair Credit — The Orchard Bank® MasterCard® is an excellent credit card choice for people looking to build their credit, with reporting to the three major credit bureaus on a monthly basis. See the card you’re more likely to be approved for, risk and obligation free, and in just 30 seconds!

  • An excellent credit card for help rebuilding credit reports to 3 major credit bureaus monthly!
  • Acceptance at millions of locations worldwide, including website purchases and reservations
  • Your account information is updated and at your fingertips 24/7 so you can manage it your way
  • Email and text messages are available to remind you of your upcoming payment due date
  • Knowledgeable customer service representatives to assist you with questions or concerns
FICO Req’d
Intro
Standard APR
Annual Fee

Fair
None
14.99% or 19.99%, or 7.99% for secured cards
See Below

*Additional Rate and Fee Information:

  • Variable Purchase APR: 14.99% or 19.99%, or 7.99% for secured cards
  • Annual Fee: $0 – $59 the first year, $35 – $59 per year thereafter
  • Late Fee: Up to $35
  • Over the Credit Limit Fee: Up to $25
  • Variable Balance Transfer APR: 14.99% or 19.99%, or 7.99% for secured cards
  • Variable Penalty APR: 29.99%

*Orchard Bank’s goal is to provide you the credit card that best fits your credit profile, which may or may not be the card you originally inquired about. You may be offered a secured card or an unsecured card, and with different terms and conditions which will be disclosed before your application is processed. Please see the Orchard Bank Website for a complete list of terms.

Discover® Student Card

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— Great customer service, cash rewards, and 0% intro rate earn Discover® our pick for best student credit card.

  • 0% intro APR on purchases for 9 months, then the variable standard purchase APR of 13.99% – 20.99%*
  • 5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more. Limitations apply*
  • Up to 20% Cashback Bonus at popular retailers when you shop online through Discover.com
  • Up to 1% unlimited Cashback Bonus on everything else you buy
  • $0 Fraud Liability plus mobile and email fraud alert options
  • Great rewards with no annual fee, no rewards redemption fee, and no additional card fee
  • *Click apply to view rates, fees, rewards, limitations and other important information

*View Discover® Card Rates, Fees, Rewards, and Other Important Information

FICO Req’d
Intro
Regular APR
Fee

Good
0% for 9 Mos.*
13.99%- 20.99% V
None