Every credit card company has its own definition of what is a “fair” or “average” credit score, so it is difficult to peg exactly what those terms mean. However, FICO reported that the average credit score as of April of 2017 was 700, so we will use that as a standard for this page.
The cards below should be willing to approve you with an average credit score. How do we know? We don’t for sure, but we look at the interest rate ranges on cards on the market today, and we use this loose formula: if a card has an interest rate range that starts above 15% and goes beyond 20%, then we have to assume fair credit customers are being approved, though on the higher interest end of the range.
Using that as our basis, below is a list of credit cards that we feel fair credit customers should qualify for. If you find we are wrong, please contact us:
- – Offers 1.5% cash back on all purchases, plus a little bonus when you actually redeem your rebate. Accepts cardholders at three different rates: 15.99%, 20.99%, or 25.99%. Your fair credit should at least qualify you for the highest of those rates.
- – Get 1.5% cash back on all your purchases with this credit card that should be accepting fair credit customers, judging by its interest rate range of anywhere from 15.99% all the way up to 24.74%.
- – Offers a 1.5% rebate on all purchases. You’ll either be accepted or rejected at a rate of 19.74%. That seems likely for average credit customers, but no guarantee.
- – This credit card’s not billed as being for fair credit, but it offers a 15.24% interest rate for even the best credit customers, and it approves cardholders at rates up to 23.24%, which should include many average credit score customers. Gives you Amazon reward points with each purchase.
- – Earn 1.5 points per dollar charged to this card, and use your points toward travel purchases with the card. (Points are worth a penny each in paying for travel purchases, e.g., 10,000 points equals $100 in travel rewards.) The interest rate may be as low as 15.99% but could be as high as 23.99%; fair credit customers will probably be approved at the higher end of that range.
- – Get 3% cash back at restaurants and gas stations, 1% rebate everywhere else. Interest rate range from 17.24% to 23.99% suggests may be OK for fair credit customers.
- – Earn 1 point per dollar charged to the card. Every 7500 points you collect gets you $100 in travel rewards when redeemed. Interest rate of 18.24% or 21.24% or 23.24% suggests that fair credit consumers are likely to be approved.
- – If you’re on the right side of “average,” you may qualify for the Walmart MasterCard, which gives you a 3% rebate on Walmart.com purchases, 2% on Murphy USA and Walmart gas, and 1% on everything else. If your credit is a bit lower, you might only qualify for the Walmart store card, with similar benefits but acceptance only at Walmart and Sam’s Club.
- – Capital One specifically says this card is for average credit customers, but their definition of “average” seems actually to be below average. If you don’t qualify for other cards here, this no-rewards card with a 24.99% interest rate may be your next option.
In addition, you might find it even easier to get a credit card tied to a specific retail store than to get an all-purpose credit card like those above. See our Store Credit Cards section for a list of credit cards that are probably easy for fair credit consumers to get.