Credit Card Reviews: Best Credit Cards for Average Credit

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Credit cards can be a great way to manage your cash flow and earn rewards for everyday purchases you already make. However, it only takes a few late or missed payments to drop your score from the top tiers down to the “average” or “fair” categories of credit scores.

Card issuers recognize that not everyone has stellar credit. Below, you can find a list of cards designed just for people with average credit. With one of these in your wallet and the right habits, including paying your card off in full every month by the due date, you could find yourself with an improved credit score! If you can commit to managing your cards well, consider one of these top cards.

QuicksilverOne from Capital One

Arguably the best card for people with average credit is the QuicksilverOne card from Capital One. This card offers unlimited 1.5% cash back on every purchase with a modest $39 annual fee. It takes just $2,600 in annual purchases to break-even on that fee, or $216.67 per month.

In addition to cash back, the card has some valuable benefits for purchases and travel. Those include an extended warranty on all eligible purchases, rental car damage coverage, and travel accident insurance. It also charges no foreign transaction fees.

Between the cash back and the benefits, this card offers big benefits over buying with cash or a debit card. Rewards are redeemable for a statement credit, gift cards, or by check.

USAA Rate Advantage Visa Platinum

USAA is one of the best financial institutions for military and veteran households. The USAA Rate Advantage Visa Platinum card is great for its low fees. It has no annual fee, no foreign transaction fee, and comes with the lowest interest rate available from USAA.

Active military families have unique needs and some special financial protections by law. USAA is an expert at dealing with those needs. For example, active duty customers get a special 4% SCRA rate. You can also pick a design that shows off your branch of the armed forces.

The card also features valuable purchase and travel benefits sometimes reserved for more premium cards. Those include rental car insurance, price protection, extended warranty protection, satisfaction guarantee coverage, travel accident insurance, baggage delay insurance, and more.

Capital One Platinum

The Platinum credit card from Capital One is a no-annual-fee card that automatically increases your credit line after making the first five monthly payments on time. It doesn’t offer cash back or travel rewards, but it does make for a low-cost credit card option.

Benefits include rental car coverage, travel accident insurance, and an automatic extended manufacturer’s warranty. These benefits are pretty good for a card with no annual fee.

Even without rewards, most people are better off buying with a credit card if they can pay it off in full each month. Like most cards, this one has $0 liability for fraud and can help you manage your cash flow by letting you choose when you pay it off, as long as it is before that monthly due date of course.

Credit One Bank Platinum Visa

CreditOne Bank offers two different versions of its Platinum card. Depending on your credit, you may qualify for the Rebuild Credit version or the standard Cash Back Rewards version. In either case, you have an opportunity to earn at least some cash back among other benefits.

If your credit fares on the better side of the average category, you may be approved for the version that offers 1% cash back on all purchases. If your credit qualifies you for the rebuilding credit version, you’ll earn 1% back on eligible purchases in categories like dining (1.1% back for some reason), gas, groceries, mobile phone, internet, and cable/satellite TV service. You find out which rewards you get when approved.

The card’s benefits are mostly around tracking and improving your credit score. While it leaves purchase and travel protections to be desired, it may be a good choice for people looking to improve their credit while earning rewards on eligible purchases

Save more, spend smarter, and make your money go further

Eric Rosenberg

Eric Rosenberg is a finance, travel, and technology writer in Ventura, California. He is a former bank manager and corporate finance and accounting professional who left his day job in 2016 to take his online side hustle full-time. He has in-depth experience writing about banking, credit cards, investing, and other financial topics. You can connect with him at Personal Profitability or EricRosenberg.com. More from Eric Rosenberg

Source: mint.intuit.com

[Targeted] American Express Business Platinum 250,000 Point Offer

The Offer

No direct link to offer, sent out via snail mail

  • Get 250,000 points after $30,000 in spend within the first six months of card membership

Card Details

  • Annual fee of $695 is not waived the first year
  • Card earns at the following rates:
    • 5x points per $1 spent on purchases made with airlines or hotels booked directly from AmericanExpress Travel website
    • 1.5x points on qualifying purchases of $5,000 or more
    • 1x points on all other purchases
  • $200 airline incidental credit per calendar year
  • Lounge access:
    • Centurion lounge access
    • International American Express lounge access
    • Delta SkyClub lounge access
    • Priority pass select membership
    • Airspace lounge access
  • Marriott gold status
  • Hilton gold status
  • Fee Credit for Global Entry or TSA Pre✓
  • No foreign transaction fees
  • View these other hidden benefits
  • SoulCycle benefits

Our Verdict

We’ve seen a lot of big offers for the Business Platinum card lately and some offers without any lifetime language. Unfortunately this offer is only sent out via snail mail at the moment.

Hat tip to reader Zack R

Source: doctorofcredit.com

Citi / AAdvantage Platinum Select World Elite MasterCard – 40,000 Miles + $250 Statement Credit Offer

The Offer

Direct link to offer (if that doesn’t work, do a dummy booking and select any flight. You’ll see an option to upgrade to business and below that should be this offer). You can also trigger the same offer on the business card by clicking ‘are you a business owner’ in the top right corner

  • Earn 40,000 American Airline miles after $3,000 in spend within the first three months.
  • Earn up to $250 in statement credits on eligible American Airline purchases within the first 12 months

Card Details

Our Verdict

Standard bonus on this card is 60,000 miles. This is a better offer as long as you value miles less than 1.25¢ per mile. You used to be able to get this lower mileage bonus and then match to 60,000 miles and still get the $250 statement credit but that hasn’t worked for a long time unfortunately. As always, read these things you need to know about Citi credit cards before applying.

Hat tip to reader Ben

Source: doctorofcredit.com

[Targeted] Chase United: Free CLEAR Membership With $100+ In Spend

The Offer

Direct link to offer

  • Some Chase United cardholders are being offered a complimentary CLEAR Plus subscription when they make $100 in purchases between 4/15-4/30

The Fine Print

  • Must be redeemed by 6/30

Our Verdict

Not sure if you can redeem this and also get a $75 Uber voucher. A lot people already have CLEAR membership from holding the Platinum card.

Hat tip to Dans Deals

Source: doctorofcredit.com

CLEAR: Get $75 Uber Voucher On Signup (Free With Platinum Card)

The Offer

Direct Link to offer

  • CLEAR is offering a bonus $75 Uber voucher when you sign up.

Cost of CLEAR is $179.

Our Verdict

Remember that you can get the CLEAR fee reimbursed if you have an American Express Platinum or Business Platinum card, and this deal lets you net $75 in Uber credit along the way. It could even make sense to do the deal with no interest in the CLEAR membership at all for the Uber bonus.

The $100 United TravelBank offer from CLEAR is expired, and the 15,000 United bonus miles offer from CLEAR is only available to MileagePlus Premier member. For someone who isn’t a Premier member, this Uber voucher offer is the best available now.

Hat tip to jcarberry

Source: doctorofcredit.com