Credit Quality Average by Bankrate

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Find the best Credit Quality Average Credit Cards

Bankrate.com makes finding, comparing, and applying for a credit card an easy process!
Below you will find a listing of some of the most popular cards in this category.
Some cards may feature low introductory rates, low fixed/variable APRs, rewards and more.
For more detailed information or to apply online, simply click the "Apply Now" button.

Capital One® Cash Rewards
	Click "APPLY NOW" to apply online or call 866-781-9766 50% bonus on the cash back you earn every year 1% cash back on all purchases Earn unlimited cash back that doesn’t expire Redeem cash back anytime for any amount, even set automatic redemptions Personalize your card with an image of your choice 0% intro APR on purchases until February 2014

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%	until February 2014	N/A	N/A	19.8% (V)	$39	Average Credit

Capital One® Card Finder Tool
	Click "APPLY NOW" to find card offers See cards with features you want, like low intro rates, unlimited cash back or miles rewards, and more Find the right card without affecting your credit score Get your results in less than a minute 24/7 account access $0 Fraud Liability if your card is lost or stolen Personalize your card with an image of your choice

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
See Terms	See Terms	See Terms	See Terms	Various Rates	See Terms	N/A

Capital One® Classic Platinum Credit Card
	Click "APPLY NOW" to apply online or call 866-781-9766 0% intro APR on purchases until February 2014 $0 Fraud Liability if your card is lost or stolen Enjoy MasterCard benefits, including 24-hour roadside assistance and extended warranty protection Pick an image for your card—choose the one shown here, any of the hundreds in our collection, or add your own

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%	until February 2014	N/A	N/A	19.8% (V)	$39	Fair Credit

VISA® Platinum from Credit One Bank®
	Get pre-qualified for a Visa Platinum card Pick your payment due date to fit your schedule Email or text alerts to remind you when your payment is due Free online monthly credit score tracking included Automatic reviews for credit line increase opportunities Includes Travel Accident Insurance and Auto Collision Damage Waiver Choose your card design from our premium gallery

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
N/A	N/A	N/A	N/A	23.90% (Variable)	$75 1^st year, then $99	Fair Credit

VISA® Platinum from Credit One Bank®
	Get pre-qualified for a Visa Platinum card Pick your payment due date to fit your schedule Email or text alerts to remind you when your payment is due Free online monthly credit score tracking included Automatic reviews for credit line increase opportunities Includes Travel Accident Insurance and Auto Collision Damage Waiver Choose your card design from our premium gallery

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
N/A	N/A	N/A	N/A	23.90% (Variable)	$75 1^st year, then $99	Fair Credit

Capital One® Cash Rewards for Newcomers
	A card designed to help those new to the U.S. establish credit and earn cash back Build credit with responsible use -- plus automatic reporting to the three major credit bureaus Get 2% cash back on travel purchases Earn 1% cash back on all other purchases No foreign transaction fees No annual fee

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
N/A	N/A	N/A	N/A	24.9% (V)	$0	Fair Credit

Capital One® Platinum Credit Card
	Click "APPLY NOW" to apply online or call 866-781-9766 $0 intro annual fee for the first year; $19 after that Image Card - personalize your card with an image of your choice $0 Fraud Liability if your card is lost or stolen Monitor your spending with text message alerts

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
N/A	N/A	N/A	N/A	24.9% (V)	$0 intro for first year; $19 after that	Fair Credit

Barclaycard® Rewards MasterCard® - Good Credit
	Earn 2,500 bonus points after your first purchase, which is enough for a $25 statement credit. 0% Introductory APR for 6 months on purchases and balance transfers No annual fee Earn 2 points per $1 on gas, grocery, and utility purchases Earn 1 points per $1 everywhere else Use the points you earn like cash to pay for almost any purchases you've made. No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up. This offer is for customers with Good Credit

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
0%	6 billing cycles	0%	6 billing cycles	24.99% (Variable)	$0	Good Credit

VISA® Platinum from Credit One Bank®
	Get pre-qualified for a Visa Platinum card Pick your payment due date to fit your schedule Email or text alerts to remind you when your payment is due Free online monthly credit score tracking included Automatic reviews for credit line increase opportunities Includes Travel Accident Insurance and Auto Collision Damage Waiver Choose your card design from our premium gallery

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
N/A	N/A	N/A	N/A	23.90% (Variable)	$75 1^st year, then $99	Fair Credit

Barclaycard® Rewards MasterCard® - Average Credit
	Earn 2 points per $1 on gas, grocery, and utility purchases Earn 1 points per $1 everywhere else No balance transfer fee No annual fee Use the points you earn like cash to pay for almost any purchases you've made. No blackout date, no redemption fees, no limit on the points you can earn and no complicated set up. Reports to all 3 major credit bureaus monthly providing you the opportunity to rebuild your credit score

Purchases		Balance Transfer		Regular APR	Annual Fee	Credit Needed
Intro APR	Intro APR Period	Intro APR	Intro APR Period
N/A	N/A	N/A	N/A	24.99% (Variable)	$0	Average Credit

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Definitions

Credit cards: Enter up to 5 credit card accounts, one on each line.
Balance: Your current balance on your credit card.
Interest rate: The annual percentage rate you pay on this credit card. The rate you enter is used to calculate the interest on all future payments for the credit card. The length of time to payoff this credit card may be much greater than calculated if you enter a low promotional interest rate that is only fixed for short period of time.
Payment: This is your initial minimum monthly payment. Your minimum monthly payment is calculated as 2% of your current outstanding balance. While your actual minimum monthly payment may be slightly different, this is one of the most common methods used by credit card companies to calculate minimum payments.
Credit limit: This is the total amount of credit you have on this credit card. The optimizer will not allow you to have credit card balances that are over your credit limit.

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regard to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

Credit card definitions

Purchases Intro APR: The initial interest rate that is charged for a specified period of time.

Purchases Intro period: The period of time for which the introductory interest rate is in effect.

Regular APR: The interest rate charged after the introductory rate has expired.

Annual fee: The charge for use of a credit card levied each year, which typically ranges from $15 to $300 and is billed directly to the customer's monthly statement.

Balance transfer: Moving unpaid credit card debt from one issuer to another.

Credit needed: Terms for credit cards are granted to consumers based on their credit risk. Excellent credit consumers typically have lower interest rates compared with poor credit consumers. Credit card issuers assess risk based on the FICO score, the most commonly used credit score.

Credit card type: The category under which a card can be classified to help consumers identify relevant cards. For example, a consumer looking to transfer a balance from one card to another may want to look at cards in the Balance Transfer category.

Credit type: The category under which a card can be classified to help consumers identify relevant cards. For example, consumers with excellent credit may find the best card for their needs in the Excellent Credit category. Credit worthiness is determined by a consumer's FICO score, the most commonly used credit score.

Issuers: The financial institutions that issue credit cards and bills the customer for purchases made against the card account.

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Credit card tip

Never just pay the minimum. By paying the smallest amount of your bill instead of paying it off every month, you allow the card companies to make money off of you by charging interest. This also makes a charge more expensive.

Credit card tip

Pay your bill on time. If you don't pay your bill by the due date, you face late fees of up to $39, along with interest-rate hikes. Just being one day late on your payment could cause your 3 percent interest card to jump up to 22 percent or more in some cases.

Credit card tip

If you want a better rate, sometimes all you have to do is ask. If you are a good customer who pays on time and doesn't go over your credit limit, you card issuer wants to keep you as a client. Give them a call and see what they are willing to do for you.

Quality Assurance

Compare rates with confidence. Rates are accurate and available as of the date seen for Bankrate consumers. Identify yourself as a Bankrate consumer to get the Bankrate.com rate.

* 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.

Product	Rate
Balance Transfer Cards	15.92%
Cash Back Cards	16.34%
Low Interest Cards	11.01%
Rewards Cards	15.80%

Discover it® for Students with $20 Cashback Bonus
	The new Discover it card is out to change the way people think about credit cards. Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.* Generous…5% cash back in categories that change throughout the year on up to $1,500 in purchases with free and easy sign-up each time. And 1% cash back on all other purchases.* Plus a Cashback Concierge^SM who guides a free, personalized online tour to help you get the most out of your rewards for how you use your card. Flexible…Choose your own due date and pay up to midnight ET online or by phone. Human…talk to a real person any time with 100% U.S.-based service. Safe…Because you’ll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee. Experience our cash rewards with $20 Cashback Bonus® when you make your first purchase within 3 months of approval.* Standard variable purchase APR- 12.99% - 18.99%. Click apply for Terms & Conditions.

Discover it® for Students
	The new Discover it card is out to change the way people think about credit cards. Fair...No annual fee. No overlimit fee. No foreign transaction fee & no pay-by-phone fee. No late fee on your first late payment. And we won't increase your APR for paying late.* Generous...5% cash back in categories that change throughout the year up to $1,500 in purchases with free and easy sign-up. And 1% cash back on all other purchases.* Plus a Cashback Concierge^SM who guides a free, personalized online tour to help you get the most rewards for how you use your card. Flexible...Choose your own due date and pay up to midnight ET online or by phone. Human...talk to a real person any time with 100% U.S.-based service. Safe...Because you'll never pay for unauthorized purchases with our $0 Fraud Liability Guarantee. 0% Intro APR on purchases for 6 months. Then the variable purchase APR applies, currently 12.99% - 18.99%. *Click apply for Terms & Conditions.

Journey^SM Student Rewards from Capital One®
	Designed to help students build good credit with responsible use Access to your monthly credit score, plus an interactive tracking tool to help monitor your credit Customizable text and e-mail alerts to help keep you on track Get 1% cash back on all purchases, plus a 25% bonus each month you pay your bill on time No annual fee $0 Fraud Liability if your card is lost or stolen

Continental Finance Matrix Unsecured Credit Card
	The Continental Finance Matrix Credit Card accepts individuals of all credit types No application fees or processing fees Use your card at locations everywhere Discover^® is accepted Free online account access 24/7 Fast and easy application process; results provided in seconds Build positive credit by making monthly payments on time

Continental Finance Cerulean Unsecured Credit Card
	Use your Cerulean credit card at locations everywhere Discover® is accepted. Make Low Monthly Payments on all your card purchases! Poor Credit? No Credit? No Problem!