We searched thoroughly, analyzed a few dozen different credit cards to compile this article. These, we think, are the best options for people with an average credit score. Folks in this group get to earn something back for every dollar they spend.
Cash vs. Points
The cash is king, but points can be worth just as much. As we will be presenting you with a few different options, you have to decide for yourself whether you want to “deal” with managing points or just want the good ol’ cash to your bank account (or in some other form). Bear in mind that this “points management” isn’t that complicated, quite the contrary. And can be even more rewarding that cash.
Wallet Weekly’s Way – Less is More
The Top 2 Credit Cards for People With Average Credit Are…
This card offers unlimited 1.5% cash back, making it an easy sell for folks with an average credit. It comes with 0% introductory APR on purchases and balance transfers for the first 9 months, after which the APR goes to 23.24%. Annual fee is $39, and there is no foreign transaction fee, making this card useful both in the U.S. and when travelling abroad. Adding to that are a number of travel (and shopping) perks that come included as part of the Platinum MasterCard package.
» Learn more and apply for the Capital One® QuicksilverOne® Cash Rewards Credit Card today!
This card offers double points on gas, groceries and utility payments; and a single point per dollar spent on all other purchases. Once earned, points can be redeemed to a U.S. checking or savings account, statement credits or gift cards, starting at 1,000 points for $10. The card has no annual fee, and offers a complementary access to the FICO credit score, which should help users improve their credit standing. APR is 25.24% variable, and there is a 3% foreign transaction fee.
» Learn more and apply for the Barclaycard Rewards MasterCard® today!
