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Fair / Average Credit

There are many average credit cards available out there for consumers who have less than perfect credit. If you have fair or average credit, you still have a relatively good chance of being approved for credit cards. The major differences between average and fair credit card specifics are the interest rate, approval limits and the income necessary to obtain approval.

Discover® More Card

0% intro APR on balance transfers for a full 15 months, then the Regular APR
0% intro APR on purchases for a full 6 months, then the Regular APR
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants, home improvement stores and more
Up to 1% unlimited Cashback Bonus on all other purchases
No Annual Fee

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0%*	6 Months*	11.99% - 20.99% (Variable)*	None	Yes	Excellent

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Gold Delta SkyMiles(R) Credit Card from American Express

Earn up to 25,000 bonus miles -- enough for a total of $250 off Delta flights
Use miles to pay for any Delta seat, anytime - - no black out dates and no seat restrictions
25,000 miles may also be redeemed for a domestic economy award ticket
Earn SkyMiles for every eligible dollar you spend
No annual fee for the first year, then $95.
Express Approval. Get a decision in less than 60 seconds.
Check your first bag for free on every Delta flight.

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
See Terms*	See Terms*	14.5% variable	See Terms*	Yes	Excellent

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Miles by Discover® Card

12,000 Bonus Miles – Earn 1,000 Miles each month you make a purchase for your 1st year
1 Mile per $1 on every purchase
Plus, 2 Miles on travel and restaurant purchases on your first $3,000 each year
No limit on the Miles you earn and Miles don’t expire*
Fly on any airline, book any hotel or car, with no blackout dates
Use Miles for travel, merchandise, gift cards or cash
0% intro APR on purchases and balance transfers for 6 months then the regular APR
No Annual Fee, No Overlimit Fee, No Redemption Fee

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0%*	6 Months*	10.99% - 16.99% (Variable)*	None	Yes	Good

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Discover® Open Road Card

2% Cashback Bonus automatically at any gas station and any restaurant
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
Up to 1% unlimited Cashback Bonus on all other purchases
0% intro APR on balance transfers for 12 full months, then the Regular APR
0% intro APR on purchases for 6 months, then the Regular APR

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0%*	6 Months*	11.99% - 20.99% (Variable)*	None	Yes	Good

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Blue Sky from American Express(R)

0% intro APR on purchases for 6 months and no annual fee
Flexibility to pay over time
Turn purchases into free travel: Enjoy travel rewards with no travel restrictions or blackout dates - get points for flights on any airline, stays at any hotel, and car rentals with any company

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
See Terms*	See Terms*	17.24%-21.24% Variable	No Annual Fee	No	Excellent

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Discover® MotivaCard

Cash rewards for your good credit management
Each time you make 6 on-time payments in a row, you'll get a Pay-On-Time Bonus equal to a full month's interest added to your Cashback Bonus account
5% to 20% Cashback Bonus at over 150 top retailers through our online shopping mall
Up to 1% unlimited Cashback Bonus on all other purchases
3.99% intro APR on balance transfers for a full 15 months, then the Regular APR
3.99% intro APR on purchases for a full 12 months, then the Regular APR

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
3.99%*	12 Months*	11.99% - 20.99% (Variable)*	None	Yes	Good

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IBERIABANK Visa ® Select Card

Introductory Rate of 0.00% or 7.50% based on creditworthiness for 12 months from date opened on Purchases. (If there is an interest charge, the charge will be no less then $1.00). This rate will not change during the introductory period.
Low Introductory APR on Balance Transfers of 1.99% for the first 12 billing cycles, this rate will not change during the introductory period. Applies to balance transfers processed within three months of your account open date. After that, your APR will be the same as your assigned purchase rate, based on your creditworthiness. This APR will vary with the market based on the Prime Rate.
Low Ongoing Variable Rate APR after introductory period of 7.50%, 9.50%, or 11.50% (Prime + 4.25%, Prime + 6.25%, and Prime + 8.25%) based on your creditworthiness. This APR will vary with the market based on the Prime Rate. (If there is an interest charge, the charge will be no less then $1.00).
Online access to credit card account information

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0% or 7.50%	12 Months	7.50%, 9.50% or 11.50%*	$35	Yes	Excellent

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Platinum Zero® Secured Visa® Credit Card from Applied Bank®

ZERO - 0% FIXED APR on Purchases - No Intro Rates!
ZERO - 0% Rate Won’t Change - Even If You’re Late!
ZERO Application Fees
ZERO Worries - FREE Personal ID Theft Protection
ZERO Delays - Timely CREDIT Bureau Reporting

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0%	N/A	0%	See Terms*	No	Poor

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American Express(R) Premier Rewards Gold Card

3-2-1 Points: Earn Membership Rewards(R) points up to three times as fast: You can earn 3X points on airfare, 2X points on gas and groceries, and 1X points on everything else
No annual fee for your first year, a savings of $175
Earn 15,000 Membership Rewards bonus points when you spend $1,000 in your first 3 months of Card membership
Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	N/A	See Terms*	No	Good

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Orchard Bank Classic MasterCards

An excellent credit card for rebuilding credit scores; 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 to remind you of your upcoming payment due date with online enrollment
On-call customer service representatives to assist you with questions or concerns

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	7.90% - 28.90%	See Terms*	Yes	Bad

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Orchard Bank Classic MasterCards

An excellent credit card for rebuilding credit scores; 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 to remind you of your upcoming payment due date with online enrollment
On-call customer service representatives to assist you with questions or concerns

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	7.90% - 28.90%	See Terms*	Yes	Bad

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Orchard Bank Classic MasterCards

An excellent credit card for rebuilding credit scores; 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 to remind you of your upcoming payment due date with online enrollment
On-call customer service representatives to assist you with questions or concerns

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	7.90% - 28.90%	See Terms*	Yes	Bad

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Orchard Bank Classic MasterCards

An excellent credit card for rebuilding credit scores; 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 to remind you of your upcoming payment due date with online enrollment
On-call customer service representatives to assist you with questions or concerns

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	7.90% - 28.90%	See Terms*	Yes	Bad

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Zync from American Express(SM)

Earn 10,000 Membership Rewards(R) points after first purchase
Enjoy a low annual fee of just $25 for Basic Card
Pay no interest - that's because you pay in full each month
Choose the Lifestyle Packs you want to customize your Card with the benefits you use most
Protect eligible purchases with Purchase Protection and Extended Warranty
Earn Membership Rewards(R) points with every eligible purchase - redeem points for travel, shopping, and great entertainment rewards

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	N/A	$25 annual fee	No	Excellent

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Orchard Bank Visa Cards

Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!
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 to remind you of your upcoming payment due date with online enrollment
On-call customer service representatives to assist you with questions or concerns

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	7.90% - 28.90%	See Terms*	Yes	Bad

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Click here for Fair / Average Credit Student Credit Cards

Credit cards for people with average credit are often targeted at consumers who have made mistakes in the past, but wish to rebuild their credit ratings. These types of cards can help people with average credit turn improve their credit ratings if payments are made on time and balances are not exceeded. To find credit cards for fair credit, you can inquire at your bank or do some research online. As with all credit cards, credit cards for average credit can negatively affect your FICO (Fair Isaac Corporation) if your application is denied.

FICO scores range from 300 to 850. To qualify for fair credit cards, your score should be somewhere in the mid-600s. However, it is always best to ask the creditor before applying to be sure your creditworthiness is up to their standards. With average credit, you might also have better luck applying for credit at a credit union, especially if you are a member in good standing. Oftentimes credit unions are able to look at the bigger picture when it comes to your overall financial situation and ability to pay back debts.

Credit cards for people with fair credit often include low or 0% APR introductory offers. Be wary of these offers and read the fine print. If your credit is only average, that interest rate could jump significantly at the end of the introductory period. Credit cards for fair credit consumers offer many of the rewards that other credit cards do. You can receive cash back on purchases, points toward travel or shopping and the option to donate a percentage of your spending to charities of your choice. As with other credit cards, average credit card rewards differ based on the issuer and the type of card you choose.

Introductory Rate	Purchases:	0%*	Balance Transfers:	0%*
Introductory Period	Purchases:	6 Months*	Balance Transfers:	15 Months*
Regular APRs	Purchases:	11.99% - 20.99% (Variable)*	Balance Transfers:	11.99% - 20.99% (Variable)*
Regular APRs	Cash Advance:	*	Penalty:	*
Fees	Annual:	None	Balance Transfers:	See Terms*
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	See Terms*	Balance Transfers:	See Terms*
Introductory Period	Purchases:	See Terms*	Balance Transfers:	See Terms*
Regular APRs	Purchases:	14.5% variable	Balance Transfers:	See Terms*
Regular APRs	Cash Advance:	*	Penalty:	*
Fees	Annual:	See Terms*	Balance Transfers:	See Terms*
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	0%*	Balance Transfers:	0%*
Introductory Period	Purchases:	6 Months*	Balance Transfers:	6 Months*
Regular APRs	Purchases:	10.99% - 16.99% (Variable)*	Balance Transfers:	10.99% - 16.99% (Variable)*
Regular APRs	Cash Advance:	*	Penalty:	*
Fees	Annual:	None	Balance Transfers:	See Terms*
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	0%*	Balance Transfers:	0%*
Introductory Period	Purchases:	6 Months*	Balance Transfers:	12 Months*
Regular APRs	Purchases:	11.99% - 20.99% (Variable)*	Balance Transfers:	11.99% - 20.99% (Variable)*
Regular APRs	Cash Advance:	*	Penalty:	*
Fees	Annual:	None	Balance Transfers:	See Terms*
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.

Introductory Rate	Purchases:	See Terms*	Balance Transfers:	See Terms*
Introductory Period	Purchases:	See Terms*	Balance Transfers:	See Terms*
Regular APRs	Purchases:	17.24%-21.24% Variable	Balance Transfers:	See Terms*
Regular APRs	Cash Advance:	*	Penalty:	*
Fees	Annual:	No Annual Fee	Balance Transfers:	See Terms*
Fees	Late:	See Terms*	Cash Advance:	See Terms*
Important	See the online application for details about terms and conditions for these offers. Every reasonable effort has been made to maintain accurate information. However all credit card information is presented without warranty. After you click on the offer you desire you will be directed to the credit card issuer's web site where you can review the terms and conditions for your selected offer.