Best Credit Cards for Fair/Average Credit of May 2024
Check out our top credit cards picks of 2024 for consumers with average or fair credit. Compare offers and read analysis from Bankrate's credit card experts.
Credit card knowledge – how to avoid and manage debt, build credit, optimize rewards and bonuses – is an integral part of financial literacy today. While it can be a bit daunting, learning the ins and outs of credit cards is worth it to help create a solid budget and strong financial foundation.
— Reena Thomas, Ph.D.
Reena Thomas, Ph.D., is an editor/writer at Bankrate and CreditCards.com with a focus on credit card reward offers. She enjoys delving into the credit card landscape to help readers make valuable credit card decisions that are right for them.
Reena has over a decade of experience in education and publishing. Before joining Bankrate in 2023, she was a copy editor for NurseJournal, Trillium Publishing, Voyager Expanded Learning, and Rockefeller University Press. She also worked as a tenure-track college English instructor after receiving her doctorate and has published academic articles.
When she isn't writing and researching about credit cards, Reena can be found exploring her neighborhood for charming coffee shops, scenic trails, and friendly dog parks.
Credit card knowledge – how to avoid and manage debt, build credit, optimize rewards and bonuses – is an integral part of financial literacy today. While it can be a bit daunting, learning the ins and outs of credit cards is worth it to help create a solid budget and strong financial foundation.
— Reena Thomas, Ph.D.
Check out our top credit cards picks of 2024 for consumers with average or fair credit. Compare offers and read analysis from Bankrate's credit card experts.
The Petal 2 Visa Credit Card allows cardholders to build credit while earning cash back along the way.
The Credit One Bank® Platinum Visa® for Rebuilding Credit can help users build their credit score while earning a modest amount of cash back rewards.
If you can pay off your bill in full each week, the BILL Divvy Corporate Card could easily be one of the most rewarding business cards out there.
A great option for anyone who loves to travel and prefers to stay at Choice Hotels.
The Bank of America Platinum Plus Mastercard Business card has a low APR and no annual fee, making it a good card for business owners making large purchases.
Discover translates the rewards power of the Discover it® Cash Back card intro a top-tier student credit card.
If you don’t qualify for the Petal 2 card, this is a decent low-cost, unsecured alternative if you’re not a student.
Students on a budget will find some valuable perks in this no annual fee card.
The Bank of America Unlimited Cash card is par for the course but can be top-tier if you have enough money for elite Preferred Rewards status.
Discover’s sole travel card is a great starter value if you want versatile travel rewards, but many competitors may benefit you more with beefier travel perks.
The SavorOne Student launches as one of the best student cards for cash back, benefits and credit-building.
You’ll need a strong credit history for a high-limit credit card.
The right credit card can help you to save money on ridesharing.
Find out the best travel credit cards for airport lounge access.
Business credit cards with no personal credit check rely on your business credit instead.