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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.

American DreamCard™ MasterCard®

Over $1.1 Million Awarded to Date!
Large monthly cash jackpots
Earn entries from everyday shopping
Get 1,000 entries just for applying!
A New Winner Every Month!
Refer your friends and automatically receive 50 entries for each referral and get a signing bonus of 1,000 entries for each referral who is approved for the American DreamCard™
See terms and conditions for important rate, fee, and other cost information, and limitations

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	14.99% or 21.99% Variable	$0- $59*	Yes	Average

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Discover® More® Card

0% APR on Balance Transfers for a FULL 12 months
0% APR on Purchases for a FULL 6 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0%*	6 Months*	as low as 11.99% Variable*	None	Yes	Excellent

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Discover® More® Card - American Flag

0% APR on Balance Transfers and Purchases for a full 6 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0%*	6 Months*	as low as 11.99% Variable*	None	Yes	Excellent

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Discover® More® Card - Wildlife Collection

0% APR on Balance Transfers and Purchases for a full 6 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0%*	6 Months*	as low as 11.99% Variable*	None	Yes	Excellent

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Miles by Discover® Card

12,000 Bonus Miles – 1,000 Miles each month you make a purchase for the first 12 months
Double Miles on up to $3,000 in travel and restaurant purchases each year
Book any travel, anytime with no blackout dates or restrictions
1 Mile for every $1 on all your other purchases
Unlimited Miles that never expire
No Annual Fee
Redeem for travel credits to your account, gift cards from any of our 90 brand-name Partners or cash starting at just 1,000 Miles

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0%*	6 Months*	as low as 11.99% Variable*	None	No	Good

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Discover® Open Road(SM) Card

Double Cashback Bonus automatically on your first $250 in purchases each month at any gas station and any restaurant.
5% to 20% Cashback Bonus at over 100 top retailers through our exclusive online shopping mall, ShopDiscover(SM)
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Flexible redemption options: choose from Partner gift cards, merchandise, Discover® gift cards, credit to your Discover card account or an electronic deposit to your bank account
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards or eCertificates from over 100 brand-name Partners such as Bed, Bath & Beyond®, Red Lobster® and Lands' End®.

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0%*	6 Months*	as low as 11.99% Variable*	None	Yes	Good

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Discover® More® Card - Sealife Collection

0% APR on Balance Transfers and Purchases for a full 6 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0%*	6 Months*	as low as 11.99% Variable*	None	Yes	Excellent

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Blue Sky from American Express(R)

0% Intro APR for 6 months on purchases
Earn 1 point for every dollar you spend
Points good on any airline, hotel, car rental and more.
No blackout dates or travel restrictions
Express Approval. Get a decision in less than 60 seconds.

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
See Terms*	See Terms*	As Low As 17.24%	No Annual Fee	No	Good

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Discover® Motiva(SM) Card

Cash Rewards for your good credit management!
Get a Pay-On-Time Bonus(SM) equal to a full month’s interest every time you make 6 on-time payments in a row?twice a year, every year
5% to 20% Cashback Bonus® at top retailers through our exclusive online shopping site
Up to 1% Cashback Bonus on all other purchases
Unlimited cash rewards
Increase, even double, your rewards when you redeem for gift cards from our 100 Cashback Bonus Partners
3.99% Intro APR for 6 months on Purchases, and 12 months on Balance Transfers*

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
3.99%*	6 Months*	as low as 11.99% Variable*	None	Yes	Good

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Biodegradable Discover® More® Card

Help protect the planet with the new biodegradable Discover Card
Card plastic breaks down 99% within five years in landfill conditions
0% APR on Balance Transfers and Purchases for a full 6 months
5% Cashback Bonus® in categories that change like travel, gas, groceries, restaurants and more
Up to 1% unlimited Cashback Bonus on all other purchases automatically
Turn your Cashback Bonus into bigger rewards by redeeming for gift cards from over 100 brand-name Partners
Instant Response within 60 seconds
No Annual Fee

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
0%*	6 months*	as low as 11.99% Variable*	None	Yes	Excellent

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IBERIABANK Visa ® Select Card

Introductory Rate of 7.50% for 12 months from date opened on Purchases
Introductory Rate of 7.50% for the first 12 billing cycles on Balance Transfers. Applies to balance transfers processed within three months of your account open date
Low Ongoing Variable Rate APR after introductory period Prime + 4.25%
Purchase and Cash Advance APR’s may vary with the market based on the Prime Rate.
No transaction fee for balance transfers
25 day grace period
Online access to credit card account information

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
7.50%	12 Months	7.50%	$45	Yes	Excellent

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Platinum Zero(TM) 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

Earn 15,000 Membership Rewards(R) bonus points when you spend $1,000 in your first 3 months of Card membership
Earn Membership Rewards 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
Earn 15,000 Membership Rewards bonus points when you spend $30,000 per calendar year.
No annual fee for your first year, a savings of $175

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

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% - 24.90%	See Terms*	Yes	Poor

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Orchard Bank Classic MasterCards

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% - 24.90%	See Terms*	Yes	Poor

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Orchard Bank Classic MasterCards

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% - 24.90%	See Terms*	Yes	Poor

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Orchard Bank Classic MasterCards

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% - 24.90%	See Terms*	Yes	Poor

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FREE SPIRIT(TM) Onyx World MasterCard®

Get 15,000 bonus miles after your first purchase - which is enough for 3 FREE roundtrip off-peak award tickets
Get up to 10,000 additional miles for balance transfers made in the first 60 days after account opening
Annual fee waived for the first year
Get complimentary $9 Fare Club membership (a $39.95 value!)
Priority boarding and domestic priority check-in
Earn 3 miles for every $1 spent on Spirit and 1 mile for every $1 spent anywhere else
Your miles never expire and more

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	14.24%-17.24%	See Terms*	Yes	Good

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Bryant State Bank MasterCard®

Low Interest Rate of 11.25%*
Introductory Balance Transfer Rate
No Balance Transfer Fee
$0 Fraud Liability
24/7 Online Account Access
Emergency Cash Advance & Card Replacement
Worldwide Acceptance
*See Card Terms and Conditions

Intro APR	Intro Period	Regular APR	Annual Fee	Balance Transfer	Credit Needed
N/A	N/A	11.25%	$20	Yes	Good

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Zync(SM) from American Express

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	Good

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Orchard Bank Visa Cards

Acceptance at millions of locations 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% - 24.90%	See Terms*	Yes	Poor

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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:	N/A	Balance Transfers:	N/A
Introductory Period	Purchases:	N/A	Balance Transfers:	N/A
Regular APRs	Purchases:	14.99% or 21.99% Variable	Balance Transfers:	*
Regular APRs	Cash Advance:	*	Penalty:	*
Fees	Annual:	$0- $59*	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:	as low as 11.99% Variable*	Balance Transfers:	as low as 11.99% 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:	6 Months*
Regular APRs	Purchases:	as low as 11.99% Variable*	Balance Transfers:	as low as 11.99% 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:	6 Months*
Regular APRs	Purchases:	as low as 11.99% Variable*	Balance Transfers:	as low as 11.99% 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:	6 Months*
Regular APRs	Purchases:	as low as 11.99% Variable*	Balance Transfers:	as low as 11.99% 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.