Average/Fair Credit

Do you have average to fair credit, a limited credit history, or credit that may need some improvement? If your credit is somewhere in between bad credit and good credit, take a look at what we've got for you!

Individuals with fair credit often find it difficult to get approved for a good or excellent credit card, but at the same time there is no reason for them to pay the high fees associated with most "bad credit" credit cards. If you have a fair credit score, this section features the best cards in the marketplace that still offer low or no annual fees, low balance transfer fees, cash back, airline miles, and more.

Creditnet is a resource that will connect you with the best credit cards and credit services that can help restore, repair, improve, and maintain your credit. If you already have fair credit, then you're well on your way to a brighter financial future. So, browse through our Fair Credit credit cards today and continue your journey along the path to excellent credit. You will find that a great deal of the Fair Credit credit cards feature a 0% introductory APR or an instant approval decision, so please take a moment to read the details regarding special promotions, rewards programs, annual fees, and other pertinent information before applying.

Capital One® Classic Platinum Credit Card

capital one credit card for bad credit platinum
  • Apply online or by phone: 1-877-834-4205
  • 0% intro APR on all purchases until May 2011
  • Upload a favorite image to create your own card design
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
19.8% variable $0 $39.00 Yes Average Credit

Capital One® No Hassle CashSM Rewards Card
For Those with Average Credit

cash rewards credit card for bad credit capital one no hassle
  • Apply online or by phone: 1-877-834-4205
  • 2% cash back on gas and groceries ; 1% cash back on all other purchases
  • No limit on the cash you can earn and cash won't expire
  • More Info
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Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
19.8% variable $0 $39.00 Yes Average Credit

Orchard Bank® Visa® Cards
For Bad or Fair Credit to Help Rebuild Credit

orchard bank visa card for fair credit
  • Reports to 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score!
  • Acceptance at millions of locations including website purchases and reservations
  • Email and text messages to remind you of your upcoming payment due date with online enrollment
  • More Info
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Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
7.90%-28.90% $0-$39 $35-$79 Yes Bad or Fair Credit

Capital One® Standard Platinum Credit Card

credit cards for bad credit, capital one, no interest credit card
  • Apply online or by phone: 1-877-834-4205
  • Get the credit you need and the first year's annual fee is on us
  • Monitor your spending with free text message alerts
  • More Info
Apply Now
Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
24.9% variable $0 $19.00 Yes Limited to
Average Credit

True Earnings(R) Card from Costco and American Express

TrueEarnings® Card from Costco and American Express
  • $25 Statement Credit with First Purchase
  • Cashback on virtually all purchases: gas, travel, restaurants, and more
  • No annual fee with paid Costco membership
  • More Info
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Ongoing APR Setup Fee Annual Fee Credit Bureau Reporting Credit Required
15.24% variable $0 See Terms* Yes Average Credit

Citi® mtvU™ Platinum Select® Visa® Card for College Students

mtvu platinum student visa credit card
  • No cosigner required!
  • Earn bonus points for paying on time and maintaining a good GPA!
  • Earn up to 5 ThankYou® Points per dollar you spend
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 7 mo.* $0 Yes

Discover® Student Card - Monogram Collection

Discover student cash back monogram card
  • Unlimited cash rewards
  • Up to 20% Cashback Bonus® when you shop online*
  • Personalize your card with a monogram of your initials!
  • More Info
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Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 6 mo. $0 Yes

Discover® Open Road℠ Card for Students

Discover Open Road for Students gas rebate card
  • Up to 5% in cash back rebates
  • Earn up to a 20% Cashback Bonus® when you shop at Top Online Retailers*
  • Double your rewards when you redeem for gift cards from over 100 Cashback Bonus® partners
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 6 mo. $0 Yes

Citi Forward® Card for College Students

citi forward student credit card
  • Up to 5 points per $1
  • Earn up to 8,500 bonus points as a new cardholder
  • No cosigner required!
  • More Info
Apply Now
Intro APR Intro Applied To Intro Period Annual Fee Rewards
0% Purchases 7 mo. $0 Yes
Balance Transfers 12 mo.

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